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

My federal student Loans were XXXX, based on a borrower defense application that was filed in XXXX. My Loans are suppose to be deleted from my credit file, permanently, within 90 days, which will be XX/XX/XXXX. I received an email from the Department of Education stating that my student loans were approved for discharge, then I received an official letter through the mail, stating that my loans were approved for discharge, and that They should be reporting a XXXX balance, or deleted all together, within the next 90 days, as of XX/XX/XXXX. 90 days will be XX/XX/XXXX. When I received the email, I printed it out, sent a letter to my Loan Servicer, and all 3 major credit reporting agencies. The only one that complied was XXXX. XXXX, and Equifax, still show balances, and The Loan Servicer, gave me some lame excuse, about not reporting a XXXX balance, as of yet, when I clearly sent them the proof, that my loans should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these credit bureaus have been using and taking advantage of my trust and liberty as and American.My whole entire life Ive had these companies lie to me repeatedlyIve wrote letters.Ive called these companies..They lie on banks and the banks blame them. : ( ( Ive been DENIED MY WHOLE LIFE while these companies leave soft and hard inquiry on my report WITHOUT CONSENT.Reporting XXXX : : ( ( Old addresses just complete untrustworthy companies.I am appalled that this is allowed as a beneficiary that these thieves think they can repeatedly deceive consumers like myselfI am the CREDITOR not DEBITOR.All these violations should be payed back in FULL .They also breached my DATA so alone on that is XXXX max out of pocket and I expect that back in full.My credit score should be over 800 and all bad inquiries off now.Im over the XXXX and Im putting you on NOTICE as of now to fix this or you will pay for deceiving me as a consumer and violating my trust
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I am in need of your immediate attention regarding the following items : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Debt collection

After reviewing my credit reports I noticed that it was an account from ENHANCED RECOVERY CO L reporting negative on my report. I reached out to Enhanced Recovery Company , LLC along with their CEO XXXX XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 
My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 
The location communications were sent is XXXX XXXX XXXX XXXX, FL XXXX. I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Product: Bank account or service

I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.
Product: Credit reporting or other personal consumer reports

Applied for personal loan with Discover. Denied because they could not verify my credit information/ application information. No clarity provided over the phone regarding what information was needed/ missing. Adverse notice provides close to zero explanation on rejection for loan. Discover did not request to verify all loan application information before processing hard inquiry. Discover representative assured me that I was preapproved and presented the hard inquiry as a mere formality. 

XXXX was not up to date and could not confirm whether it should be updated automatically by XXXX or not.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries that were conducted the SAME DAY appearing on my credit report. There are XXXX hard inquiries dated XX/XX/XXXX and XXXX hard inquiries dated XX/XX/XXXX. Various companies have wrongfully shotgunned my Experian credit report when I was recently seeking an auto loan. However, I only authorized XXXX INQUIRY. These multiple hard inquiries on the SAME DAY has resulted in XXXX hard inquiries being reported on my credit report. I submitted a dispute to Experian in XX/XX/XXXX regarding the multiple inquiries yet Experian ignored it and DID NOT REMOVE THE MULTIPLE HARD INQUIRIES. This is yet another prime example of the very reason for the CFPB 's XXXX lawsuit against Experian. It is additional PROOF that even in spite of being sued, Experian still does not take sufficient steps to intake, process and investigate disputes. Experian apparently has no regard for upholding the FCRA laws which is unacceptable. I am asking for the CFPB to enforce consumer protection laws and require Experian to remove all of these unauthorized multiple inquiries immediately.
Product: Debt collection

I received a response form this company and I am mortified at their attempts at calling my sincere concerns and confusion " allegations ''. I made payments to so many entities regarding this loan that it simply does not make sense to me. I was initially paying a XXXX XXXX XXXX XXXX and to them I called and requested an address change which was somehow ignored. Then the bank changed over to XXXX and their information was outdated and inaccurate. Portfolio took on a false amount, this amount was long gone and discharged and not even what I truly owed! The bank told me it was written off in taxes, so why then do they sell to a 3rd party and re-collect the sum all over. so they get money form me, write off the debt and then sell it back to someone else for them to double it with fees and interest that only they can add one? I figured something was off so I called XXXX XXXX after having been scared by Portfolio and they said to me that I was not responsible for it because it was past statue but that the party they sold it to would sue me if I did not pay them. I asked Portfolio is this was true and they SAID to me over telephone that I COULD INDEED have a judgment placed against me with " legal ''. Where are the calls? Are they all there? HOW can we confirm, because I am so hurt by your rude tone in your response Portfolio. All you have " proven '' here is SIMPLY old statements! This account was done with XXXX XXXX, I don't even know what XXXX did with it and now Portfolio is tripling my OLD debt! Anything past 7 years CAN NOT be placed on my reports. FIND ME XXXX XXXXXXXX STATEMENTS AND WE CAN DISCUSS TIMELINE! You have endlessly pushed me with letters, voicemail and calls and I had to surrender out of fear until I realized how MUCH this amount is wrong! It was illegal of XXXX to have sold this in the first place, it was already paid for in their taxes and int was in 2011! 

ALSO, why are you SENDING MY PERSONAL AND CONFIDENTIAL STATEMENTS OVER THE INTERNET!????? I am asked by the bureau not to send any account numbers and such, what gives you the right to send my old and personal information with all identifying facts on it to me???
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have dealt with many companies during this time of unemployment and the virus. This company only offered more dept no delay in payments. Were very rude. Will never deal with them again.
Product: Debt collection

I received a letter from American Collections Enterprise ( ACEI ) stating I owed a debt. I contacted them to find out why and alleged date of service. I found out they had a medical bill for a date of service I had insurance for, again. I explained to them I had contacted the original creditor and they were to bill my health insurance and that I never received written communication regarding the debt from the original creditors or that it was going into Collections. I spoke with a XXXX XXXX who transferred me to her " supervisor ''. I was requesting the debt to be sent back to the original creditor so they can bill my health insurance because this is the 3rd time I've had to do this because of this creditor, XXXX XXXX XXXX XXXX XXXX not doing the appropriate thing. He refused to provide me his name and hung up on me. I called back and requested his name from XXXX XXXX who attempted to transfer me back to the original " supervisor '' after requesting to speak to his higher up due to his rude and aggressive behavior towards me because I told him I was just going to file a complaint, he responded with, " So you'll write a complaint about our company but you won't dispute to us in writing? '' Before hanging up the phone on me. I attempted to contact the company back and my calls were screened and they would not answer. Low and behold I called from a different number and they picked up the phone. Extremely unprofessional and aggressive.
Product: Student loan

I am a student loan borrower who is currently enrolled in the XXXX plan and placed on forbearance. I am filing a complaint against Mohela for allowing my loans to accrue interest while interest should not be accruing due to having been enrolled in the XXXX plan before being placed into a court ordered forbearance period.
Product: Checking or savings account

Deposit date XX/XX/scrub>XXXX  Froze account XXXXXX/XX/year> amount {$12000.00} I tried to contact my company numerous times to get the check verified but every time I called, they said they tried to contact the issuing bank and said the issuer was not around or couldn't get in contact with them. The funds are there I just want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Chase Bank regarding their failure to properly address fraudulent activity on my account. Recently, I noticed unusual and unauthorized transactions on my Chase account, which I immediately reported. Despite taking all necessary stepsincluding filing a police report, freezing my credit, and providing all requested documentationChase has refused to take proper action to resolve this matter.

Their lack of assistance has resulted in financial hardship and potential damage to my credit, which could have been prevented had they acted responsibly. Given the severity of the situation and my compliance with all necessary fraud-reporting procedures, I find Chases handling of my case to be negligent and unacceptable.

I am requesting that the CFPB investigate this matter and ensure that Chase properly reviews my claim, removes any fraudulent charges, and prevents further harm to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the inquiries being on my credit report that needs to be removed. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.
Product: Credit reporting or other personal consumer reports

During the process of working on building my credit I have been checking my credit report for inaccurate reporting or information. While doing this I have been able to login to XXXX and XXXX but not Transunion. I have tried a number of times but can not log in. This is annoying to know that I must not be the only one with this problem because other on the internet have had the same problem.This problem must be resolved because it is apparent that they are not holding up there end of the bargain by updating information in the system and making sure there is transparency with the consumers by making sure that the system is attainable at any giving time. Right now Transunion is showing a difference of about XXXX points on my credit compared to the other two bureaus which makes me believe it has not been updated but I cant login to see the report. That is not good business.
Product: Debt collection

This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQ FROM MY CREDIT REPORT ITS NOT AUTHORISED I am taking this matter seriously and expect immediate and forthright action on your part.Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation should not be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

the accounts listed below are not mine and was established without my consent. the accounts listed are unauthorized ..... 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNTXX/XX/XXXX inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing ( SPS ) has suddenly increased my monthly payment by {$170.00}, despite receiving ( 2 ) letters dated XX/XX/XXXX and XX/XX/XXXX stating " your monthly payment amount is not scheduled to change at this time. '' They have suddenly notified me a Rate increase beginning on XX/XX/XXXX and XX/XX/XXXX respectively. It was explained to me by an Account Specialist that the monthly payment increase is due to the " expected increase in property taxes and insurance '' in the coming year. But the Property taxes have only increased {$83.00} for the entire year and there has been no increase on my insurance premium for XXXX. 

Numerous calls to customer account specialists who assured me that they will resolve the discrepancy in 3-5 business Days. But I just saw a letter posted to the online portal stating the review process will take 30 Days ; meanwhile the new higher payment is scheduled to take effect on XX/XX/XXXX. 

It seems to me that SPS is attempting to induce additional stress by increasing the monthly payment and back-to-back Rate increases, which will inevitably force this borrower into an untenable financial position ... to Refi or default. 

My account has always been in good standing.
Product: Credit card

I had opened a lowes charge XX/XX/year> and made a purchase of {$2100.00} with a promotional no interest rate. I made monthly payments of {$100.00} every month through my XXXX XXXX XXXX despite not receiving statements because I knew I had a balance on this card. Synchrony bank is unable to provide me with any documentation stating when or how I was switched over to paperless statements. As a result of my statements going paperless I did not receive notification that I was nearing the end of the promotional period and was going to be assessed close to {$700.00} in interest charges. I also was not made aware that synchrony bank changed their po box that my payments were supposed to be sent to because they said they notified by email. This resulted in 3 payments being sent to a wrong po box that I had been using since I got the card and I am being assessed fees due to late payments despite the fact that the payments were sent on time to an address that I had been using for over a year.