23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX I requested a due date change from my loan servicer XXXX XXXX XXXX. In the course of processing the due date change they also recalculated my income driven repayment plan. Not only should they not have recalculated my income driven repayment plan, but they also recalculated it incorrectly, so my monthly payment nearly doubled and my wife 's payment nearly tripled. I have spoken two different XXXX XXXX supervisors who have admitted that this mistake was made by them, but nothing has been done to correct this mistake. My wife had to request a forbearance, because we could not afford our loan payment that was under {$500.00} a month combined, but jumped to over {$1200.00} combined after the XXXX XXXX mistake. Both my wife and I are public school educators and we are seeking public service loan forgiveness. But since we can not make payments because they XXXX XXXX error has made payments unaffordable, my wife has now missed out on 6 months of loan forgiveness and I have missed out on two months of loan forgiveness. I contacted XXXX XXXX in XXXX of XXXX and I was told to submit re-certification paperwork, and I did this only to find out that I needed a recalculation, not a re-certification. I spoke to a XXXX ( Id # XXXX ) on XX/XX/XXXX and she informed me that a recalculation would be complete by XX/XX/XXXX. On XX/XX/XXXX I spoke to XXXX ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ), and I was assured that my issue would be " expedited '' and everything would be corrected. This still has not been done as of today, XX/XX/XXXX. I am not being permitted to participate in the Income Driven Payment plan that I am eligible for because XXXX XXXX refuses to correct the mistake that they made in XXXX of XXXX. It has been six months and I can not get XXXX XXXX to do anything, and I need outside help with this.
Product: Checking or savings account

In response to a marketing offer from Citibank, I opened and funded online on XX/XX/2019 a DDA and a Savings account with an aggregate account balance of {$15000.00}. Following, I contact customer service via e-chat to validate that the primary DDA account was enrolled to the $ XXXX/XXXX  incentive offer. This premium includes a base {$400.00} award within 90 days of qualifying activities plus another {$100.00} for initiating at least 2 ACH transactions into the account. 

I attempted contacting the bank via email, and mail correspondence but to no avail. Even after taking into account the extraordinary circumstances facing everyone, an entity such as Citibank should have the bandwidth to address my concerns and to make me whole as originally represented they would.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : XXXX XXXX XXXX XXXX  Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX  Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section XXXX A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not XXXX percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section XXXX due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In coordinates with the fair credit report act XXXX  account name : Acima XXXX XXXX XXXX account number # XXXX has violated my rights 15 U.S.Cs 1681 section 602 A. States I have the right to privacy 15 U.S.Cs 1681 section 604 A. Section 2 states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in mail saying I filled out application for a discover account an I never did I wanted to know what was going on.
Product: Student loan

I was told this company represents my XXXX carrier yet no payments have been made towards my loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my XXXX credit report i noticed that XXXX XXXX is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Closed Account on My Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute an error on my credit report. I recently noticed that TransUnion removed a closed account with XXXX from my report, but there is still another closed account with XXXX that remains. Since XXXX  accounts are closed and should not be reported, I request that this remaining account be removed as well. 

Below are the details of the account in question : Creditor Name : XXXX Account Status : Closed Issue : Duplicate closed account still appearing on my credit report Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all reported information is accurate and up to date. Since this account is closed and appears to be a duplicate, I kindly request an investigation and its immediate removal from my credit file. 

Attached, I have included a copy of my identification and a recent copy of my credit report highlighting the incorrect account. Please review this matter promptly and provide me with an update on the status of my dispute. 

Thank you for your time and assistance. I look forward to your response within the XXXX timeframe as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKr, is the company that has been providin g OLD information about my driving record to the   XXXX   XXXX   that I currently   XXXX   for, or have applied to. They are reporting information that is over 10 years old!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to EQUIFAX requesting to correct my personal information. I sent them : my Current Driver 's License, 3 Utility Bills, and 3 paystubs and social security card to correct my information to fix/update my name CORRECTLY, my address and employment. I also requested that XXXX XXXX AND XXXX XXXX XXXX be verified. EQUIFAX NEVER RESPONDED AND NO UPDATES HAVE BEEN MADE TO MY CREDIT REPORTS SINCE XXXX. 

As I stated that : Credit account # 1 ( XXXX XXXX or as it may have re-appeared as XXXX XXXX 1 ) you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX - This account keeps being allowed to modify their name and re-appearing on reports. 
Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback to find inaccurate accounts on my credit report, and I have no idea why theyre showing up. I check my credit report often, and never expected to find these unexpected discrepancies. Thinking it was a glitch, I refreshed my browser, but the errors didnt disappear. Im requesting that the documents Ive sent are double-checked, so I never have to go through this nightmare again.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which restricts when and how companies can access my credit report. Below are the details of each unauthorized inquiry, including the company name, date of the inquiry, and actions taken so far. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Unauthorized Inquiry : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXX XXXX conducted a credit inquiry on my report without my authorization. Under FCRA, 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access my credit report. I did not apply for credit or give permission for this company to perform a credit check. This unauthorized inquiry has caused damage to my credit score and personal financial reputation. 

I have contacted DISCOVER FINANCIAL SER on XX/XX/XXXX to request the removal of the unauthorized inquiry, but as of today, I have not received any resolution. The company 's actions ( or inaction ) are negatively affecting my creditworthiness and are in direct violation of federal laws governing credit inquiries.
Product: Debt collection

A debt collector harassed me to the point I had to block his number. This is a debt that was paid in full. I called XXXX directly and we determined I do not owe them any more money. 

I am XXXX and in a XXXX XXXX. I live on XXXX XXXX. I pay my bills.
Product: Mortgage

I was affected by natural disaster of the campfire was receiving FEMA assistance and was unable to make my payments on time after XX/XX/2018 ... I made them when I could put the house on the market and sold it for less than what it was worth just so that I didnt default or lose it to foreclosure they agreed to report it satisfied and not report late payments after XX/XX/2018 however it still shows miss/ late payments.
Product: Credit reporting or other personal consumer reports

I paid XXXX dollars for XXXX months of service to provide credit history of a tradeline from this business. In XXXX I believe. By XXXX I had not received any tradeline history to my credit report on any bureau. This business advertises that they will report history of bills to your credit report and depending on the level you choose that affects the amount they are supposed to report to the bureaus. I paid for the highest tier for XXXX months a little over XXXX  days. With no reporting being made to my credit report. I asked the company to return my money because the service advertised was not rendered. I might have used the word " refund '' however they were aware of what I stated when I asked for that " refund ''. It's not a refund because I never received the service from this business, or being dissatisfied by that service because it was never received. This is a breach of the contract due to never receiving the service. It's injustice enrichment and I am asking for my funds to be returned for the never provided service. If the tradeline was reported to the bureaus there will be proof of such from the business. I would also like to state XXXX  days would have been the max to have a consumer report being reported from a company if anything was sent to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several letters asking for Proof of Debt, including request for signature or contract from said debt collector. They only responded with copies of old statements for original creditor, that debt was written off. There is no contract with current debt collector. Therefor no evidence of an agreement, contract or statements between myself and debt collector. I cite XXXX XXXX XXXX XXXX XXXX XXXX in this matter now and in a court of law. 
dates of letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4200.00} They have refused to remove from credit bureaus and have not verified debt.
Product: Debt collection

TRANSWORLD SYSTEMS INC. HAS  FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX is doing unfair debt collection practices by reporting a debt to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX XXXX has been violated. They have also violated NY XXXX XXXX ( XXXX ). XXXX XXXX XXXX is not licensed to collect debt in XXXX, I will bring this to the attention of the attorney general.
Product: Credit card or prepaid card

I purchased merchandise from a seller on XXXX XXXX. This was for a new, unopened XXXX  XXXX XXXX XXXX XXXX in the amount of {$500.00}. I was directed to the XXXX site to submit payment which I did using my PayPal Prepaid-Mastercard. As soon as the payment sent, the seller deleted all accounts from XXXX, XXXX, and I am unable to contact him in any way. I have open disputes with all companies but no-one is able to do anything and keep telling me to contact my local law enforcement. They also can not seem to tell me directly why my purchase is not falling under the purchase protection plan. I am needing to get my money back asap and they all are unable to do or provide anything. All three of these are departments of the same company, PayPal, but yet they can not communicate with each other and have failed to provide me with requested information, phone call recordings with representatives, escalation to the head of the company or even provide me with their contact information. I want to find this person and have fraudulent online scamming charges pressed against him. I will attach all current documentation I have regarding this issue and would appreciate a very prompt and timely resolution for this matter. I have spent precious hours dealing with this and do not have the time to spare to continue getting pushed around with no resolution as I am a XXXXXXXX XXXX  XXXX and mother with responsibilities that are needing to be handled at a higher priority than being on the phone arguing with a representative who does not even speak clear XXXX. Please contact me as soon as possible. Thank you.
Product: Debt collection

1. I requested information on debt validation, to which there was a written response that this debt belongs to me, without any confirmation, no copy of ID, no social security number, no copy of signature.

2. In response to the previous complaint, I received an answer that I must fill out a form stating that my identity was stolen, but I do not believe this, since the company can not provide any evidence that this debt belongs to me.

3. By law, the debt collector must prove to me that I owe them, but in fact, the debt collector asks me to confirm or refute this debt.

4. The address where I allegedly rented the apartment is in an office building.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Product: Debt collection

I am undergoing XXXX XXXX. I told the lady. She demands answers while I have a needle stuck in me. I have XXXX XXXX. I have called to mediate but now I need the harassment to stop now. My life doesnt need to take abuse