23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a American Express Serve Card from XXXX in XXXX, MI and loaded {$500.00} at XXXX. I was unable to register the card for 6 hours as I called the AE Serve customer service at XXXX I was able to activate the card and I found out that my {$500.00} was taken out of my card by someone with the name of XXXX XXXX XXXX XXXX XXXX account in New York at XXXX the same day XX/XX/2021. I have never used this card, I have spoke to six representatives to find out how I can get my money back. The fraud protection at AE Serve stated they can not reverse, stop payment or cancel the transaction, they have to let the transaction go through it will take 7-10 business days to investigate and there is a hold on a online purchase from this person in the amount of {$490.00} and {$0.00}. I have no idea how a non activated card that has not been registered was able to have {$500.00} removed from the card. I am furious and American Express customer service and fraud protection department will not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by TRANSUNION without my authorization of consent. These documents were sent certified mail. The tracking number confirms that XXXX received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and there are still a total of XXXX fraudulent inquiries, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Transunion is being noncompliant with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & certified mail tracking history from XXXX.
Product: Student loan

On XX/XX/XXXX I submitted an Employment Certification Form ( ECF ) to try and certify my employment and update my payment counts as I am pursuing Public Service Loan Forgiveness. My current payment count is at 115 out of the 120 required. However, I have 7 months that are still not certified because MOHELA is taking an extremely long time to process any forms. I should now be at 122 out of the 120 required payments and my loans should be eligible for forgiveness. I submitted another ECF on XX/XX/XXXX which would be the month of my 120th payment, which is still marked as " processing '' ( the same as my XXXX  submitted ECF. 

I am now afraid to submit another ECF because I have learned that MOHELA will marke these forms as " Duplicates '' and start your processing all over. 

I have spoken with Congressman XXXX XXXX 's office and they have reached out to the Dept of Ed and I was told that I still show only 115 payments through MOHELA. They reached out to MOHELA about a month ago and have gotten no reply. 

The point is, PSLF was signed into law in XXXX. I have completed my time in public service while making these payments every month. I am now eligible for forgiveness. The anxiety of this is so very stressful and I am just trying to get answers and a move on with my life. 

I feel that MOHELA 's delay in processing these forms has caused me so much stress that I found the CFPB to look into their operation. 

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

Transunion is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) XXXX, XXXX
Product: Debt collection

On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, I contacted XXXX to stop my account. I returned my equipment the end of XXXX. I received a notice via email that I needed to make a payment by XX/XX/XXXX and on Monday, XXXX XXXX XXXX  i received notification from the credit bureau that the account is in collections. I reached out to XXXX on XX/XX/2023 to discuss the account and was informed that they forwarded the account to a collection agency. So am confused. If the account has been forwarded to a collection agency and i never received a notification from them stating that this would happen. How can the bureau report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX and Equifax has my credit score dropping over 38 points for transunion and 48 points from Equifax There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the XXXX web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excellent EQUIFAX Updated XX/XX/2018 Calculated using XXXX XXXX
Product: Credit reporting or other personal consumer reports

Debt has not been validated with reporting company no purchase to rights agreement has been provided. Information also reporting inaccurate
Product: Credit reporting or other personal consumer reports

there are two cars on my credit that I never applied for. This is fraud and I want this to be remove from my credit report this is wrong and I never authorize this, and they have repossession on my credit which is not mine. The address on my credit is wrong and my name is wrong as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial keeps reporting my payments as 30 days late, and this makes my credit score decline. I have tried calling and talking with them, but all they say is that they have reported it as current. I ask to speak with a manager and they never let me talk with one, all they keep saying is that it has been marked current and I'm still flagged as 30 days late. My payment is due on the XXXX of every month and I have never been late.
Product: Student loan

I ca n't negotiate a payment that I can afford Navient keeps pushing me to use the forbearance option as I do not qualify for deferments or other payment options. Last week they told me to consider consolidation and it would give me more forbearance options. I also blame the college because instead of offering me enough money to pay for tuition and associated costs they always said you can take up to such and such an amount. I always accepted the higher amounts because I was broke and saw this money as a way to breath easier. However now I realize it was irresponsible of them for tempting me and also on my part for falling for it.
Product: Credit card or prepaid card

I have done business with this credit issuer for nearly 7 years. I have always had 100 % on time payments and have paid the balances off, utilized the card multiple times, and paid the balances off again. Synchrony closed one of my accounts last year ( after I had paid it off, used it, and paid it off again and had a XXXX XXXX ), saying  they had checked my credit report recently and considered me to be high-risk. I admittedly had kept high balances, however, again, I pay my cards on time, pay balances off and then utilize my cards to try to build my credit up. I have been paying my cards down and lowering the overall balances on the cards. Today I received notification that Synchrony closed another one of the accounts they service. I have had the card since 2013. Ive used it multiple times and paid it off multiple times, most recently back in XXXX of this year. From reading reviews of Synchrony by other customers, this is a common practice Synchrony engages in - closing accounts of customers that are in good standing and that have been utilized for years due to a perception of the customer being high-risk. I understand financial institutions are afraid customers wont pay their bills, however, I have ALWAYS paid my bills on time and for Synchrony to do this to me not only reflects badly on my credit, but it makes me lose my faith in dealing with financial corporations. I work hard to build my credit and for this company to deal with me in this way is just very disappointing.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate personal information that has been reported by XXXX, Equifax, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future.

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that XXXX, Equifax, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.
Product: Consumer Loan

I paid my loan in full on XXXX XXXX, 2015 and never received a lien release letter nor did the State of New York Motor Vehicle Departmen receive this informationt. I have requested a lien release letter and my title from Chase Bank numerous times both which the representatives and senior representatives have not been able to provide. I have been told that they have mailed a letter and yet to date I have no such letter. I contacted NY DMV and they informed me that they do not have my title and that the bank has this information and should have provided it to me when the vehicle was first bought. I will have to pay again for a duplicate title once the a lien release letter can be provided by Chase Bank. I have a copy of my cancelled check and loan statement identifying that the loan has been satisfied.
Product: Mortgage

I have tried on several occasions to get my mortgage company to report my payment to credit bureaus they have not reported payments since XX/XX/2020. They are not reporting on purpose because I am trying to refinance
Product: Checking or savings account

On XX/XX/XXXX I received a text message stating CITI BANK : Did you attempt XXXX ( Declined ) at XXXX XXXX XXXX XXXX.Reply YES/NO STOP. HELP. I replied no and then someone called me from XXXX ( XXXX XXXX XXXX. It was a meal and they stated that theyre are calling from Citibank two confirmed a authorized transaction attempt. He then went on and said that someone attempted to use your card in California in the amount of $ XXXX.The meal stated that The transaction did not go through. Then he said he will close out the card and send me a new card in the mail. Then on Sunday XX/XX/XXXX I checked my account I seen {$5.00} remaining in my account. The person mad 3 different wire transfer on XX/XX/XXXX of {$990.00}, {$990.00} and $ XXXX.I called Citibank customer service immediately. They then Freeze the account and now it under investigation. On the XX/XX/XXXX I Spoke to a supervisor he stated to me that they will investigate and it will take up to 90 days. Also I had to file a complaint with internet crime complaint center. I then call back the next week to get some updates on my case. I was on hold for over a hour. The Supervisor looked into my case and told me on the XXXX they Made their determination that I will not be credit back my funds that was wired out of my account because they tried to request the funds back from the person account. The Funds was unavailable for them to retrieve back. I did not Received a call or letter in the mail stating their Determination on the account. I have been banking with them for a very long time never had an issue with my bank account ever until now .how theyre handling it its very disappointing and overwhelming. The supervisor did not help me at all. they know that I am a victim of fraud but still refuse to credit me back the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX added to collections by XXXX XXXX  XXXX and Capio  Partners LLC XXXX 
XXXX XXXX ( {$1100.00} ) opened in XX/XX/year>, Capio Partners ( {$520.00} ) opened on XX/XX/XXXX. Wasn't even aware of these bills. 
Original creditor for XXXX was XXXX XXXX XXXX, and Capio was XXXX XXXX  XXXX  XXXX. Credit Score decreased by XXXX points which is absolutely insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, Wells Fargo responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of Wells Fargo to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Product: Credit card or prepaid card

The 2009 Credit Card Accountability Responsibility and Disclosure Act dictates that if the annual percentage rate on my card was increased to more than what was agreed upon in my Card Agreement, then the bank ( credit card provider ) must review my account every six months to assess whether the factors that prompted the increase have changed. Upon this re-evaluation, if factors are met, the APR is to be reduced to the agreed upon rate. 

Upon review of my account and payment history, I have determined that Symphony Bank / Lowes did not conduct such re-evaluations of my accounts, or used unethical or illogical tactics in its methodology to re-evaluate rates that decreased the likelihood that I would qualify for a rate reduction. 

Due to this miscalculation of interest rate charges, Symphony Bank / Lowes violated the Truth in Lending Act and Regulation Z by  overcharging me for my credit card balance during the years of XXXX Current Day.
Product: Credit reporting

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed MULTIPLE credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 & XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) Please remove these inquiries from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$1800.00} USD to a recipient in XXXX using WorldRemit. I immediately received a message that the funds had been paid. After about a week the recipient said they still had not received the money. On XX/XX/XXXX I provided WorldRemit with a bank statement showing that the money had not been received. I have contacted them every day or 2 since then asking for it to be resolved. They keep stating that they are waiting for a reply from the local agent and have marked it as urgent. It has now been 6 weeks and the money has not be delivered and WorldRemit has not replied to my queries or following through on their actions for 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX, XXXX and Equifax on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX Exquifax - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX, I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) Equifax : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XXXX of each month ( Ref. C ) XXXX - Debited my account on XXXX, XXXX - I was not 30 days late ( Ref. G ) XXXX - Debited my account on XXXX XXXX, XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XXXX XXXX, XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XXXX - Debited my account on XXXX. XXXX, XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX XXXX XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX XXXX XXXX {$12000.00} Equifax XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : XXXX- XX/XX/XXXX XXXX XX/XX/XXXX EQ- XX/XX/XXXX The inability for XXXX XXXXXXXX XXXX to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Product: Debt collection

Southwest Credit Systems has an erroneous account on my credit report. I have reached out to this company to remove this account from all three credit bureaus without success. When speaking with an agent of Southwest Credit Systems on the phone, I was asked to borrow money to pay this debt and told I was a loser for not paying my bills. I am not aware of this account and have never heard of XXXX. Would you kindly reach out to Southwest Credit Systems on my behalf to rectify this situation? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose. 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Checking or savings account

On XXXX/XXXX/XXXX I attempted to link my XXXX account to my checking, and Capital One refused to allow me to do so.