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

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. Experian is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2014 I received written notice that my dispute request was open and being processed. I requested that they provide me with their method of verification including but not limited to a detailed explanation of the verification process conducted, a copy of any written agreement or contract that obligates me to pay the alleged debt. I asked that if they were unable to provide me with the requested information to remove the information from my report immediately. The company has made the results of this investigation available without providing me with anything that I requested, thus resulting in inaccurate information being reported on my report.
Product: Credit card

I opened a Chase account on the basis of using the account for the United Airlines mileage points. After opening the account, the bank blocked my access to online bank. When I tried to call them to restart the process, then a rep claimed that they could not verify me even though I provided the telephone number on file. They claimed that they could not text the number. Meanwhile, when I went into the online portal to change my address, then I got block from the online portal access. I later discovered that Chase experienced " technical difficulties '' with its website. However, when I called about the matter, I got informed that someone would call me back. To date, the matter remains unresolved. That is, Chase fails to honor its agreement regarding my mileage points while also denying me access to the card. When I asked about closing the account, I got informed that I needed to use the online portal or visit a bank directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit multiple time the same day by mistake. 
XXXX XXXX the creditor Credit pulled on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It should be only XXXX pull not all XXXX I only got XXXX credit card on the XXXX XXXX XXXX The rest of the inquiry are not authorized
Product: Credit reporting or other personal consumer reports

Equifax ( myEquifax ) web site ( https : //my.equifax.com/membercenter/ # /login ) for adding and extending an ( Initial ) Fraud Alert does not work anymore. They do not provide the " Initial Alert '' option on their web site anymore and I can not extend my Fraud Alert using their service on the web. 

See the attached screenshot of their non-functional web page.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2023, I fell victim to multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm
Product: Credit card or prepaid card

I made XXXX payments of {$5000.00} to my XXXX XXXX XXXX  in XXXX of XXXX, however XXXX payment was never credited to my account. The {$5000.00} payment from XXXX XXXX  was made on XXXX and never appeared on my XXXX XXXX. I have been trying to rectify this ever since. I submitted a letter dated XXXX, XXXX, from XXXX XXXX  detailing the transaction, though this seems to have been ignored by Commenity Bank. Therefor I am also including the bank transactions for the month that shows the missing payment. 
XXXX XXXX offered to make a XXXX way conference call, but was told by Commenity Bank that " 3rd parties could not be involved. '' never mind that the " 3rd party '' is a Bank, the one that made the payment. I have numerous emails between myself and XXXX XXXX  on the subject. 
I was informed over the phone, at the onset of this problem that the disputed {$5000.00} and any fees or interest would not appear on my statement until after resolution of the matter, and yet said amounts have shown on my statement all along. This has caused real damage to my credit rating and to my good name. 
Be it known that I have XXXX financial debt of any kind, whether it be this Commenity Account or any other. All vehicles and properties are owned, free and clear of any loans.
Product: Credit reporting or other personal consumer reports

Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX truck driving an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several XXXXimes.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that you stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is 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 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering Remove these accounts Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXXccount # XXXX Account Name XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Furthermore, I requested you provide the following with my first dispute : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) You did not provide these four things please delete these accounts from my credit report. Thank you.
Product: Credit card or prepaid card

Comenity Bank from XXXX keeps sending me emails to make a payment on a closed account
Product: Student loan

I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to XXXX XXXX -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and XXXX XXXX would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

XXXX XXXX told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to Fed Loan Servicing -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with XXXX XXXX they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with XXXX XXXX I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure XXXX XXXX is not the only company that does not offer income based repayments Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the USA since XX/XX/XXXX as an XXXX. I applied for my 3 free credit reports on XX/XX/XXXX and received from XXXX  and XXXX with no issues. I received none from Equifax and was asked to submit a written request with proof of address and ID, which I did on XX/XX/XXXX using my SSN and driver 's license in colored copies. I have now received a letter, which I'll attach, saying I should submit the same documents because I was not found in their database. 
I have applied for refinancing and was denied, I will apply for a loan for school shortly and I'm worried about the interest rate or being denied if they use Equifax as their credit reporting agency. If my information is available and accurate for the other 2 agencies, and one said they've been monitoring me since the day I arrived, why can't Equifax find it?
Product: Mortgage

My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.
Product: Debt collection

On XX/XX/XXXX all my personal information was stolen during a car break in. XXXX credit cards and XXXX forms of identification were stolen. I have attached the police report that includes the details and each card stolen. The following accounts listed are not mine nor the charges accumulated after my cards were stolen and were not authorized by me and I would like them removed from my credit profile from all bureaus. 
XXXX XXXXXXXX XXXX {$6500.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2200.00} And the following inquiries XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : XXXX
Product: Prepaid card

I have been trying to activate my direct express card and have not been able to get this done. I have called direct express _ social security _ Comerica bank_ the dept of Treasury , ,__ fiscal__ I have been told the same thing by every one of these that they have no way to contact direct express other than the number on the back of the card and I have been disconnected or kept on hold for days which has caused me a great deal of late fees on my monthly bills. I will probably have to move from where I live due to not being able to pay my rent..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act the accounts below have violated my rights # XXXX and # XXXX 15 U.S.C 1681 section 602. States that i have the right to privacy.

15 U.S.C section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

XX/XX/XXXX24 I completed a change in payment plan that made me eligible for loan forgiveness via XXXX. 

XX/XX/XXXX2024 I was placed on a temporary forbearance while the new payment plan was applied- I was also moved to XXXX that month. Payment that shows in XXXX system incorrect. 

XXXX 2024- Forbearance while XXXX sets up my account? XX/XX/XXXX and XX/XX/XXXX - submitted paperwork to XXXX of current payment plan. 

XXXX 2024- incorrect payment plans XXXX applied despite submitting official paperwork with documentation of current plan. 

XXXX 2024- wrong amount persists, company refuses to apply correct payment plan. Submitted correct payment information XXXX more times.
Product: Student loan

I am reaching out today about my student loan servicer ( Edfinancial Services ) and student loans in general. I have been in the IBR-plan for XXXX loans ( XXXX XXXX ) since XXXX ( but paying since XXXX ), but my balance keeps rising exponentially because of the high interest rate ( 6.5 % ). My loans have been in covid forbearance for the last three years ( 0 % interest ) and I have managed to save up some money during this time to apply to my balance, which will make a small dent on {$260000.00} ( reducing my loan by 25 % ) but will drain all the savings my family will have for emergency or necessary spending. If loans stayed at zero to low interest I could have hope to pay it off. However, I found out today that student loans will be re-entering repayment WITH NO REFORM on the high interest rates for XXXX loans. I already have {$50000.00} in interest ( because of the poorly structured IBR-plan ) and I am internally panicking as I will be re-entering a life of indentured servitude. These loan companies need to be held accountable for this. I have reached a breaking point and have found the courage to complain to say " enough is enough ''. I am not asking for forgiveness on an education that I use every day, but asking for a fair chance. I had hope that within the last two years that something would change, but it is becoming apparent that I need to voice my opinion because it looks like there will be no reform. Thank you for listening.
Product: Credit reporting or other personal consumer reports

On October 03, 2020 sent a request to Experian for method that was used to verify bankruptcy case # XXXX on my report. XX/XX/XXXX they responded with inadequate information, didn't remove the information but indicated XXXX was able to verify it. XX/XX/XXXX sent letter to XXXX requesting their method of verification. In their letter they suggest that I should contact Experian. My letter XX/XX/XXXX I explain that I had contacted Experian. XXXX letter dated XX/XX/XXXX and XX/XX/XXXX the disputed information was removed because it could not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

TO WHOMSEVER IT MAY CONCERN : Dear Sir/ Madam, As we were in the process of buying house, there were five individuals that were involved in the process as shown below : ( 1 ) Attorney : XXXX XXXX , Email : XXXX, Phone : XXXX. 
( 2 ) Realtor Name : XXXX XXXX, Email :  XXXX Phone : XXXX. 
( 3 ) Title company e : XXXX XXXX XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX NJ XXXX. 
Phone : XXXX, email : XXXX. 
( 4 ) Mortgage company : XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX NJ XXXX, phone : XXXX Email : XXXX ( 5 ) Buyer : XXXX XXXX XXXX, Phone : XXXX. Email : XXXX ( old ), XXXX  ( New ). 

About one week before the closing I got an email from our attorney which included the wire Transfer instructions as an attachment. During my email conversation, I mentioned that I would prefer to come with certified check instead of wire transfer, but I was instructed to do a wire transfer in order to facilitate a smooth closing. Then I accepted to do the wire transfer on Friday XX/XX/XXXX, but due to my busy schedule at work that Friday, I was unable to do the wire transfer on that Friday. Later, I replied I will do wire transfer on XX/XX/XXXX, Saturday. 
During these conversations, I had found another email sent from XXXX XXXX, XXXX ( the title company ) which was sent to XXXX. That says We would advise to use the attached Chase Trust Account, since our XXXX XXXX XXXX will be going through Bank Audit this weekend to avoid any delay. According to the instructions provided in the attachment from XXXX XXXX email, I did a transfer of {$83000.00} to the chase account provided in the attachment of the original e-mail sent by XXXX XXXX email ID, ( XXXX  ), which was later discovered to be a fraud bank account. 

In Summary, I am a victim of FRAUD WIRE TRANSFER SCAM, in which I have lost {$83000.00} of hard earned money which we had collected in last several years. I would appreciate for you to help me regarding this matter. 

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

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX