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

What I follow your line from suggesting that there is information that is incorrect in my credit reports to the fact that I find that it is not correct first the 3 office that gives fact information concerning the credit repair even when I keep them informed this one is not doing its job properly. He continues to put information that is fair in my credit report for which I am not guilty is that I see what any service at as if the right to put information that is unfair to the fact in my credit report and which means that my credit can not advance and that my score is really stupid or else a credible one who will not be able to allow me to take credit or want to work on my credit so that it can advance and that I was waiting for the level I am wishing for.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion credit report, I found multiple unauthorized hard inquiries and fraudulent accounts that I did not open. The following hard inquiries were made without my permission : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Additionally, fraudulent accounts were opened under my name without my knowledge. These include : XXXX XXXX XXXX Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXXXXXX Opened fraudulently in XX/XX/XXXX I did not authorize these accounts, and their presence on my credit report has negatively impacted my creditworthiness.
Product: Student loan

I had my student loans transferred from XXXX to Fed Loan Servicing in XX/XX/XXXX in order to qualify for the Public Service Loan Forgiveness Program. Despite being certified as working for a qualified employer, being in a qualifying payment plan, and despite making payments on time ( except XX/XX/XXXX and XX/XX/XXXX ) Fed Loan claimed that XXXX said that I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX, and thus FedLoan is not counting those payments to PSLF. On XX/XX/XXXX I spoke with XXXX ( XXXX ) from Fed Loan, who said she would " activate the bills '' for the months during that time period that I made payments, and she said that she would request for the forebearance to be removed. She also requested a manual recount of which loans should count. On XX/XX/XXXX, I called XXXX and they confirmed I was NOT on an internship forebearance XX/XX/XXXX - XX/XX/XXXX and they did not communicate to Fedloan that I was ( so this was Fedloan 's mistake ). On XX/XX/XXXX I called Fedloan ( spoke with XXXX, # XXXX ), who said the payments were still showing as in forbearance. XXXX put a note in the system that the Dept of Education fixed my datafile and that now it should show that I was in repayment XX/XX/XXXX - XX/XX/XXXX ( except XX/XX/XXXX ), and not in forebearance. XXXX said they have not started the manual recount yet. On XX/XX/XXXX, I received my updated qualifying payment count and they are still not counting the loans that I made on time payments for during the months mentioned above. It appeared as though they still thought I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX. I called Fedloan and they were closed due to COVID. On XX/XX/XXXX I called the Ombudsman number for Fedloan and spoke with XXXX ( XXXX ) who told me that it is STILL showing a forebearance for XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, and also XX/XX/XXXX, despite that I made on time correct payments during those months, I was in a qualifying payment plan, and my employer was certified as qualifying for the program. She submitted ANOTHER ( third ) request to have the forebearance removed for these months, and she submitted ANOTHER request for a payment period verification so that once the erroneous forebearance is lifted, those payments can count toward PSLF. I am now back in the same place where I started when I was told XX/XX/XXXX that Fedloan would request the forebearance to be removed and also that I would have a manual recount of my loans done. I found out today, XX/XX/XXXX that there is NO RECORD of anyone attempting to remove the forebearance, and my qualifying payment count is still off by 10 months or more, 2 years after my first attempt to correct the problem.
Product: Credit reporting or other personal consumer reports

As an additional consumer, Ive noticed significant and accuracy within a XXXX XXXX account report to my credit, bro. After reviewing my credit report, Ive observed discrepancies among the information provided by different rules regarding the same account. Concerned about the potential repercussions of these inaccuracies on my credit, worthlessness and financial opportunities, Ive reached out to the consumer financial protection bureau ( CFPB ) to inform them of the situation under the provisions of the law 15 US 1681 particularly section 1681 EB there is a clear mandated for accuracy and credit report. Is dilates that a consumer reporting agency must furnish the accuracy and complete information to ensure fair and equitable credit reporting. However, the discrepancies are identified fail on the part of the credit rules to comply with this legal requirement. 
Account number ( N/A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I checked my credit profiles and noticed a Ginny 's credit card on there that was supposedly opened in XXXX. Ive never had a Ginny 's credit card. I don't even know what Ginny 's is. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, as detailed below. I did not give permission to these companies to access my credit file, and these inquiries appear to have been made without my knowledge or consent, which is a violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

The disputed inquiries are as follows : XXXX. XXXX XXXX XXXX  XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. Experian XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries are only permissible when initiated with the consumers authorization or for a legally permissible purpose. Since I did not authorize these inquiries, I believe they were conducted fraudulently or in error. 

I kindly request that Experian : XXXX. Investigate the origin and legitimacy of these inquiries. 
XXXX. Provide any documentation or proof, such as signed authorizations or agreements, that led to your conclusion regarding these inquiries. 
XXXX. If no such evidence can be provided, immediately remove these unauthorized inquiries from my credit report. 

Additionally, I ask that Experian confirm in writing once the disputed inquiries have been resolved or removed. 

I look forward to your response within the timeframe required under the FCRA.
Product: Debt collection

I have been trying to resolve my Capital One Credit card debt for a few months now. i contacted them in XXXX and we agreed to a settlement amount for {$1200.00} to close the account. I asked them to email me a letter of the offer and I would pay that amount. Initiall they agreed to send the letter after a few days nothing showed up so I called back, and they apologized and agreed to send it in the mail and via email. 

Fast forward to today, I follow up on XX/XX/20 and they are now trying to upsell me to {$1800.00} instead of the original amount. I explained to them I would not agree to that amount and would like to pay the original amount but the rep I spoke with refused. When I asked why not, she told me she didnt have an answer she just couldn't. I also asked why I never received the letter they promised, and she admitted the made a mistake and never sent it, and that as supervisor didnt fill out the proper paper work. 

To sum it up, Capital one refused to provided clear terms of a finical agreement, and then is leveraging there position to charge me an extra {$500.00} during a pandemic.
Product: Credit reporting or other personal consumer reports

I HAVE NEVER BROUGHT A CAR FROM CHASE BANK NEVER ALLOWED ANYONE TO OPEN A LOAN IN MY NAME WITH THIS BANK. I HAVE BEEN CONTACTING CHASE FOR THE LAST 3 YEARS TRYING TO GET THIS INFOMATION CORRECTED WITH THEM AND THEY ALWAYS SAY THE DEBIT IS MINE I HAVE NEVER OPENED ANY LOAN WITH THEM
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 fraudulent 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 - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

Dear MACYS/CBNA ; I was shocked when I reviewed my credit report TODAY and found late payment as being was past due 30 days. I have never being late on this account since i opened it back in XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

PenFed has broken the law pursuant to the TRUTH-IN-LENDING ACT, EQUAL CREDIT OPPORTUNITY ACT, FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTIONS PRACTICES ACT. I have been denied credit which is against the law pursuant to the Equal Credit Opportunity Act. I have been denied my right to my open ended credit plan pursuant 15 U.S.C. 1602 ( ( j )
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a 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 purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I fell behind in my payments and received a consent judgment from Republic Finance. I meet with the manager and we worked out a payment of {$250.00} a month. This was in XXXX XXXX. At the meeting I made a {$500.00} payment cash/check. The payment was suppose to be taking from my checking account or that was what I thought was the agreement. On XX/XX/, I received a garnishment writ concerning I have not made payments. When I talked to the manager of Republic Finance and her comment was I am sorry for the miscommunication. I asked her why no one called and left a message to call, why no correspondence or late notice from the company during XXXX, XXXX, or XXXX. They told me a call was made in XXXX, however when I looked at my phone I received no call and if they did call there was no message to call their office. I have the companies name on my cell phone so if they called it would have pop the name up and if they called and left the message, I would have returned the call. I am fairly sure that I was at least entitled to a phone call, email or even a letter to contact them in XXXX if there was a problem with the payment plan. I would like the CFPB to help me obtain the correspondence that efforts were made on their part before the garnishment was executed. Which is proper collection procedures for any company, bank or credit union. I also want the garnishment withdrawn and a proper payment plan reinstated. Thank You XXXX XXXX
Product: Credit card or prepaid card

I had a transaction processed for a purchase in the amount of {$1000.00}, which what was agreed upon, after checking the credit card statement later that day I found out the merchant charged {$130.00} on top of the {$1000.00}, total charge was {$1100.00}! 

I called the credit card company " Capital One '' & I explained the entire incident with the merchant, the banker " Capital One employee '' he said will try to resolve this with the merchant, if he refused to reverse the charge then we can not do anything & I have to pay for the charge! 

Well the contract signed up with them when I accepted their card clearly says that the cardholder is protected for those types of fraud charges! Mind you I have been an account holder for this Credit Capital One card for almost 20 years.
Product: Credit reporting

My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I purchased XXXX BTC for {$700.00} plus {$28.00} in fees from Coinbase , Inc . The fees were due to the use of a credit card for the purchase. The purpose of using a credit card was the instant purchase - bank purchases take 5-7 business days. The purchase was confirmed, with reference XXXX. The BTC did not instantly arrive in my account. The day was a high volume trade day, and Coinbase , Inc. struggled to stay live, with periodic outages during the day. When the instant purchase still had not cleared on XXXX XXXX, I contacted Coinbase - the transaction showed as " Pending '' online. I requested that the credit card fees be waived, as the " instant '' purchase was no longer instant. I again contacted Coinbase on XXXX XXXX, as the transaction was still marked as " Pending. '' On XXXX XXXX I received an email from XXXX, replying from XXXXXXXXXXXX, informing me he referred the matter to a specialist who would " follow up with [ me ] as soon as [ they ] have an update. '' Two days later, on XXXX XXXX, I again wrote to follow up, having received no response. I again wrote to Coinbase on XXXX and XXXX XXXX, following up on this purchase, which still showed as " Pending. '' Today, on XXXX XXXX, I finally received a response from Coinbase , Inc . They cancelled my purchase, writing, " When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. '' This, it turns out, is patently false. I have contacted my bank and they have no record of any attempted transaction for the amount in question. They have the credit card transaction from earlier that day for the amount of {$1200.00}, and subsequent transactions from XXXX, XXXX, XXXX ( two ), and XXXX XXXX as well as XXXX XXXX. There is no issue with my bank or the card. Coinbase did not process the instant payment for a transaction they confirmed. 

Since the fault is not with my bank or method of payment, I expect Coinbase to honor the purchase of XXXX BTC for {$700.00}, and to waive the {$28.00} fee. As noted above, Coinbase experienced multiple service outages on XXXX XXXX, and I am in disbelief that they wish to blame an external party rather than accept responsibility for their insufficient transaction capacity. Many people attempted transactions that were not processed or confirmed - while that is disappointing, such instances differ from this one, in which I had a confirmed transaction at a time in which Coinbase 's system was functioning.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have tried time and time again to get these reporting agencies/ and the furnishers said inaccurate information to investigate and remove the these accounts being furnished in my credit report.
Product: Mortgage

Of America has not provided me with every evidence and the whole file they have on me that I asked will never call me back. They sold my debt to another company and they have lean on my house XXXX and remove the Lien and they didnt because I did not make the charges on this equity line. I have no idea how chargers got on my equity line I only ever spent XXXX and now the debt was interest is {$81000.00}.
Product: Credit reporting or other personal consumer reports

All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX Hard Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call XXXX and they put in a credit report for me. 

XXXX Hard Inquiries - They would not let me dispute anything until I filed this report. 
XXXX XXXX XXXX Sallie Mae Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have one in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a proper investigation on these hard inquiries that Authorize or sign off on a proper investigation showing my signature or something in writing. Accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIA Multiple hard inquiries on my credit that I did not give permissible purpose for not request any of these I would like them to be delete it off my credit report and properly investigated as well and show proof of the investigation
Product: Debt collection

This company keeps stating that I walked into this gym and signed documents agreeing to pay for this membership that I dont recall ever doing and Im asking proof of me walking into this gym and signing these documents! This is fraud!!
Product: Bank account or service

Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help.
Product: Student loan

I thought collectors were not allowed to contact me more then seven times over seven days and had to stop calling once i reached some kind of arrangement with them ... neither has worked and Navient is still calling me 3-4 times every day, meanwhile i am in the process of appealing with paperwork t have my loan forgiven/annulled as the college is/was closed as it was a " for profit '' school that fraudulently mis-represented their post graduation job placement, whether they were actually accredited, and the usefulness/ validity of a degree from their scam of an institution
Product: Debt collection

To whom it may concern, I am reaching out on behalf of myself as CMRE Financial Services had never reached out to me regarding a medical debt from XXXX of 2019 regarding XXXX and placed it on my credit report. I did not find out about this until applying for my XXXX XXXX XXXX I then called CMRE Financial Services to try to rectify the debt. The company also has my name completely incorrect. Once I had given them a call I was just now sent with a letter. Why was I not given a call or a letter prior to this ever being added to my credit report so it could have been rectified then, which now I know is against the law. I also asked them to send me an itemized bill, in which they sent me just the amount of the bill and how to pay. Another generic response from this company. 

Any help and assistance is appreciated. I look forward to speaking or emailing with someone from the CFPB soon. 

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

I submitted a dispute about my XXXX XXXX loan because they are closed and XXXXyrs have passed. When I recieved an update from Transunion I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.