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

XXXX XXXX still hasnt complied after more than 4 attempts with upper management to report correctly or reporting agency wont report correctly themselves. This is been reporting negative for almost over a year and no one will help to report correctly. I have despites numerous times and get excuse after excuse. My credit is being negatively affected and XXXX cant get increases of credit because of XXXX XXXX negligence. My next move is to sue XXXX XXXX in court. And I will win case.
Product: Mortgage

We took the forbearance plan with our mortgage company presumably under the CARES act. Now when I have ended the forbearance we have been hit with a lump sum payment amount of {$19000.00}. I was under the impression that with an FHA mortgage, we would be given the option of making a payment plan or having the amount added to our mortgage. I have emailed and called and left messages to United Wholesale Mortgage but have gotten no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX  ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/2018 ~XXXXXXXX ( est ) I received a call from National Enterprise Systems that informed me a student loan was in default. This was a surprise to me since I've tried to stay up on my student loan payments and have been with the other 2 companies I deal with ( XXXX and XXXX ). Since I'm going through a divorce, I knew this was probably just an oversight and something I could begin making payments on again to fix. I was told that wasn't the case. They explained that since my mother was a co-signer, she would now have to pay the debt since they " knew she could afford it ''. I explained that my mother is on XXXX and was just released from the hospital for major XXXX XXXX and definitely couldn't afford it and that I would begin making payments. The person I spoke with told me that I was lying and that my mother could afford it and that I'm not allowed to make payments any more because they wanted the whole sum at once. I was floored that I was being called a liar and that I was being told I couldn't pay my own debt. Then I was told to give them my mothers most current contact info so that they could call her " and have an unpleasant talk with her ''. This was the last straw. I saw this as an attempt to use my mothers XXXX XXXX as a threat on her life over my student loan debt. Totally unacceptable when I want to pay my debt, I just need to do it in payments that I can afford and certainly not an entire lump sum at once.
Product: Debt collection

I received a letter from North Idaho Credit dated XX/XX/2019, advising me that they were attempting to collect a debt. I sent them a certified letter that one XXXX XXXX signed for on XX/XX/2019, responding that I was disputing the debt, And that I was expecting no further action on their part including making any reports to the credit bureaus. I further explained in my letter that I considered the matter closed and that the were not to contact me unless they were terminating their collection efforts, or that they were taking very specific actions allowed under the FDCPA. I have heard nothing from this group since that time. Today I was doing a routine review of my credit report and I have found an entry from North Idaho Credit. The account in question has been paid in full to the original creditor. The resolution I seek is to have this negative mark removed immediately and an apology issued by North Idaho Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Product: Debt collection

I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.
Product: Credit reporting or other personal consumer reports

These are the accounts that are marked inaccurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I received the attached communication that my student loan account is past due. Upon logging in to the account, the account is TWO MONTHS past due with an upcoming payment due on XX/XX/XXXX. However, this is the FIRST notification since payments have resumed that there was even a payment due. 

I am disputing these amounts on a separate CFPB complaint but the point of this complaint is that payment due notifications have to be sent on a timely basis when payments are due, not when they are two months PAST DUE.

This is particularly disturbing because based on other communication I received from Ed Financial, my account balance was {$0.00}, so technically I had no reason to log into the account to know there was now a balance due. Other people in this situation will be taken completely by surprise to suddenly see their account is past due. Once credit reporting of late payments resumes, they would also face negative credit reporting.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/year>. I checked my credit report and saw fradulent accounts opened in my name, please remove these accounts. I never applied for these accounts nor I used these services from the companies listed below : XXXX XXXX XXXX XXXXXXXX XXXX {$21000.00} XXXX XXXX XXXXXXXX XXXX {$20000.00} XXXXXXXX XXXX - {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the tax liens that 's on my file on  3  different occasions as being incorrect asking for verification and validation. Equifax told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to Equifax and  XXXX  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file.  XXXX  have not responded ( even though its been over 30 days  )  and Equifax stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.
Product: Student loan

XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.govXXXX I also have received a notification from the law firm about class action that Equifax lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry that I did not request was placed on my credit report on XX/XX/XXXX from a merchant Navy Federal Credit Union. This merchant was placed in a Chapter XXXX I filed on XX/XX/XXXX. I believe merchant is continually looking into my credit file after the discharge on XX/XX/XXXX. I am requesting an investigation into this matter. 

Thank you.
Product: Debt collection

Someone got hold of my card information and was using it, I reached out to them and all they did was closed the account and left me with a negative review on my credit report
Product: Credit reporting or other personal consumer reports

[ XX/XX/scrub>XXXX  ] To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. 
Please provide me with proof of these items, specifically the contract bearing my signature. 
Following that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not RECEIVED a 1099C for this charged off debt. Can you please provide me with a 1099C to ACCURATELY reflect this as a charge off for tax purposes and please update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX / XXXX , I requested  XXXX , Transunion and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So fa r Trans Union,  on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that  may  be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Debt collection

Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I started a mobile check deposit from my external personal checking account to my Bank of America business checking account. Preliminary information indicated a 7 day hold on the mobile deposit, so I refused to complete the transaction. 
Instead, I traveled to a local BoA branch to make a counter deposit. I asked about the hold time, verified that in-person deposit holds were handled differently from mobile deposits, and informed the agent that I would not complete the in-person check deposit if there would be a 7 day hold. I explained that I had alternatives such as traveling to my external bank to withdraw cash or request a cashier 's check. After verifying, the BoA agent assured me that the check funds would be available same day. Based on that information, I agreed to deposit the check. 
1 hour later, I wrote a BoA check to fund my brokerage account and deposited the BoA check via mobile banking.

2 hours after making the in-person deposit, BoA informed me by email that my check funds were being held for 7 days. 
The BoA agent deliberately provided misleading information to ensure I completed the check deposit at BoA. BoA 's actions were deceptive and have caused financial harm, resulting in returned funds and overdraft fees.
Product: Prepaid card

Hi, I received an Amex gift card for {$100.00} from my workplace in XX/XX/2024. Since then, Ive registered and confirmed the available balance of {$100.00} and have tried to use the amex gift card at multiple places- including in person at XXXX XXXX online at XXXX and XXXX XXXX Declined every time. Called Amex but was told to try another store- I cant keep go from store to store hoping itll work. 
XXXX said billing address doesnt work because its a gift card. Are these Amex gift cards completely useless?
Product: Credit card

i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next day to confirm that payments were sent and returned and correct info sent to credit bureau 's. That never happened and they are still notifying credit bureau that i am late. I filed a complaint with the XXXX but as of yet nothing resolved. Thank you