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

There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from XX/XX/XXXX) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( Experian XXXX, XXXX, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
Product: Credit card or prepaid card

I went to XXXX on XXXX XXXX ( XX/XX/XXXX ) to make some purchases. Among the purchases was a pair of pants ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : XXXX XXXX, Cashier : XXXX ) that totaled {$45.00} after discounts ( XXXX XXXX XXXX XXXX XXXX ) that ended up being the incorrect size. 

I returned to XXXX on XX/XX/XXXX to return the pants, and the employee, XXXX, told me that they did not have the pants in stock in the correct size, but she could order them for me. I agreed to order the pants in the correct size, and they were for the same amount, {$45.00} ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : House, Cashier : XXXX ). 

The pants never came. At a later time in XXXX I think, I received a notice by mail indicating that the pants would not be coming. Since I was already charged for them on the XX/XX/XXXX receipt, I went to the store to get a refund. The employee stated that a refund for the pants would automatically be forthcoming because the way their system works is when there is an order that can not be fulfilled there is an automatic discount. Unfortunately, the employee kept the notice I received by mail so I no longer have a copy of it. 

I received a credit card bill that included the amount of the pants that I already knew I would not received because I had received the notice to that effect. I called the XXXX credit card helpline because I was unwilling to pay for pants that I would not receive and, which XXXX staff had already told me I would be receiving a refund for. The credit card department said that there was something strange with the transaction and that all they could do at that time to prevent me from having to pay for the pants at the time my periodic bill was due was to dispute the charge, which I did. 

I received a letter on XX/XX/XXXX informing me that the credit card issuing company, Comenity Bank was in receipt of my dispute, and that they would process it in accordance with their policies. On XX/XX/XXXX, I received a letter informing me that the result of the investigation was that I had never been charged for the pants, and, as a result, I was not due any credit for the charge. I have since been billed in the amount of {$45.00} for a pair of pants that I never received, and it is obvious just by looking at the receipt dated XX/XX/XXXX that I was charged, so the letter Comenity Bank sent me dated XX/XX/XXXX has clear factual misstatements therein.
Product: Credit reporting or other personal consumer reports

Identity theft was used to open an auto loan account to buy a car under my name, without my permission, while I was only XXXX  years of age, and Ive disputed this account several times with all 3 credit bureaus with no results other than the sentence information was verified as factual
Product: Debt collection

I tried switching over to XXXX and was waiting for my number to port over like the representative told me, but they did not complete it. I called XXXX numerous times trying to find a resolution or an explanation, but they kept giving me the runaround. My service with XXXX  was never fully active, and I was never able to make nor receive calls. What makes this matter even more complex, is the fact that I signed up with XXXX because they promised me better service and no hassles, but that was exactly what I received. 
As a cause to all of this, I ended up switching my service over to XXXX, and XXXX ended up charging me {$85.00} and even sent it to a collection agency. I received numerous calls from the collection agency, and I made an agreement with the collection agency ( the only reason I made a payment for services I never received was because they promised to remove everything from my record and write it off completely ). After numerous months, I have once again started receiving calls asking that I once again pay the {$85.00} that I already paid. I need help with this immediately and need this removed and resolved as soon as possible. 
The representatives from Frontline Asset Strategies confirmed that I made a payment already but did not have the part that stated that this matter was taken care and closed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. Theses failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I received a call from Bank of America ( my caller ID stated that it was the customer service line : XXXX ) and a woman told me my account had been compromised and that I had to send my money to a new account. They walked me through using the XXXX app and insisted that this was the way to help. They told me that {$3500.00} was being transferred without my approval. I told them I only had {$1800.00}. I sent the money to an email that they had created for me and promptly hung up the phone after I sent it. I called the number back to get the actual Bank of America customer service support to which I waited two hours on the phone to file a claim. They then told me that it could take up to 45 business days to review my claim. 

After reviewing my claim, they stated on XX/XX/XXXX that nothing seemed wrong on their end because they followed my directions, but as a courtesy, theyll reach out to the third party to try and return my money. Yesterday, XX/XX/XXXX, they stated that the third party did not send back the money and that I should reach out to the scammers myself to ask for it back. 

There is no way for me to prove that someone from Bank of America did not actually call me from their service line and convince me to send my money to them and are now refusing to send it back. 

My claim number for this with Bank of America was XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX CFPB Consumer Financial Protection Bureau XX/XX/XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATIONXXXX XXXX The items reported by this agency shall be removed to show my true credit history. This request is supported under XXXX XXXX XXXX - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency hasXX/XX/XXXX days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within XXXX ( XXXX ) days constitutes a reason to remove the information from my file completely. 

The initial request under XXXX XXXX XXXX - Notice for validation of debts was sent XX/XX/XXXX and received by XXXX on XX/XX/XXXX. The US DEPARTMENT OF EDUCATIONXXXX did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal XXXX period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under XXXX XXXX XXXX - Discharge for false certification of XX/XX/XXXXt eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATIONXXXX shall remove these entries from my credit profile. 


As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts. 


XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX XXXX {$28000.00} XXXX. XXXX XXXX XXXX XXXX {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to report fraudulent activity that has compromised my credit. Upon thorough research, I discovered that to remove the fraudulent items from my report, I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items identified in an identity theft report, referenced by numbers XXXX & XXXX. I have attached the necessary documents to aid in the removal of these items from my report. Listed below are the items opened without my permission : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. TRAN XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000. 

The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it. 
In the 6 years I have had the car I had to skip payments maybe 4- 6  months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX  who XXXX and XXXX XXXX   through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year. 
My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off. 

They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company. 

I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander. 
This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.
Product: Credit card or prepaid card

On XX/XX/20 promotional interest was applied to my account. 
My payment was due XX/XX/20. 
My statement cycle ended XX/XX/20. 
Is it possible to have this interest amount adjusted? My work has been affected by the Coronovirus/COVID-19 and that savings would help better provide for my family during the period of uncertainty. Thank you for the consideration.
Product: Debt collection

I am truly in need of your help. World Omni Financial is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and World Omni has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from a third-party credit monitoring service that Experian themselves not a bank or lender reporting to Experian had changed my mailing address on file ( without my knowledge or consent ), removing my apartment number. I want to correct this. 

I have tried for several weeks to login to Experian 's site to obtain a copy of my credit report, verify their address on file for me, and enable a credit freeze. 

After entering my personal information, I always get an error saying they've " encountered an internal system error, '' directing me to call a toll-free number to get support. 

They even send me emails, telling me to " simply tap below '' to finish setting up my account which, of course, inevitably leads to an error screen. 

When I call the toll-free number provided and enter my personal information, they provide absolutely no way to talk to a representative. Every single menu option eventually leads to a variation of a statement of basically " just login at our website, '' which I am obviously unable to do. I've even tried calling their corporate number, and their menu system there explicitly says that I can not talk to anyone. 

It seems as though Experian is intentionally preventing me from accessing my credit info and correcting incorrect information on my file.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Vehicle loan or lease

In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.
Product: Student loan

On XX/XX/2021 I received a letter in the mail with a final notice regarding my student loans stating that I needed to make a call to XXXX to be eligible for a payment and loan consolidation program. On XX/XX/2021, I called the number and spoke with a representative XXXX, who informed me that I was eligible for the public service loan forgiveness program in which I would pay {$39.00} for 120 months and after the XXXX months my loans would be forgiven. He said I would have to pay {$1600.00} in doc fees but I was eligible for deductions and it cut down that price to {$990.00}. He then gave me XXXX options pay XXXX payments of {$330.00} or XXXX payments of {$390.00} in which I chose the second option. I provided my bank account information. He also before starting changed my password for my FSA ID ( which I realized after ). He then sent me a link to my email in which I had to sign off on some documents, which I have attached. I asked XXXX what XXXX XXXX were and he stated that it was the agency they used to sign documents. I confirmed my social and signed the documents and submitted them. He then told me I would have to print and sign and submit some paperwork in order for the payment plan to start. After hanging up I researched XXXX XXXX and realized it was a scam. I called my loan agency ( mohela ) and contacted my bank and Im also monitoring my social through credit karma.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,
Product: Mortgage

Hi, I am on a COVID-19 pandemic forbearance, I was been told that my loan is not eligible for loan modification because as per XXXX XXXX guidelines since I had received 3 modifications in the past therefore at present ( COVID ) time it will not be modified. The current times are different, I sincerely request for help as I am unable to pay lump sum amount of about XXXX and also probably can not afford repayment unless it stretched out to very long time. 

I do not want to loose my home. Just like certain rules and policies have been changed due to the worst ever times humanity is facing in US, I sincerely request my loan can be modified to a lower interest rate ( XXXX at present ) with an affordable payment. 

No one contacted me in the last 30 days from the servicing company and when I last contacted I was been informed that I do not qualify for any options. Why does the servicing company even write on their website that No one will be required to immediately make up the paused payments, all at once or in a lump sum. 

My email address is XXXX. 

Thanks. 

Regards, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX