23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Several Erroneous issues and information on my credit report regarding several accounts, one is an account with XXXX XXXX XXXX XXXX XXXX Covered by COVID-19 protections. This detrimental and erroneous information has caused me to be under qualified for any type of XXXX XXXX I have contacted them about several things on my credit reports and XXXX and TRANSUNION has not resolved these issues and I have reached out to them for information and received no resolution. I can list errors from several companies and have tried to resolve it with TransUnion XXXX XXXX XXXX to no avail.
Product: Vehicle loan or lease

I purchased my vehicle on XXXX XXXX which was financed through SunTrust bank. I had requested to have a pushback on payment twice which added an additional four months on my 72 months to 76 months. I did not know that they sold SunTrust to Truist at anytime during the XXXX or XXXX until I started calling regarding my account. If my account began with the first payment on XXXX why would they say that it matured on XXXX and the four additional months bought it to XX/XX/XXXX? If my loan matured in XX/XX/XXXX my additional four payments would have bought me in to XXXX. They would say that my loan had matured that there were no more monthly payments even though I was still making my {$420.00} online payment to them. I called over twelve times and every time I got a run around with no answers as to why I had a balance of XXXX. I knew that I had that balance for I received an email on from Suntrust stating that amount. Emails were sent to them, phone calls and no one ever answered to as to why this amount. I feel that in the transfer of sales from SunTrust to Truist they never did the right thing in posting payments and that there was an error somewhere in my account on their behalf. I have paid off my account and never ever received an answer to all the extra money which I believe that I should be refunded for my payments were made online every month and in adding the dollar amount it does not come up to the payoff even if I add extra for late payment which is no where near the amount. I would receive phone calls about my balance owing but no phone call as to an explanation. No one has no clue as to why.
Product: Debt collection

Was a XXXX  customer and switched to XXXX prior to the XXXX companies merging. XXXX XXXX  were returned to XXXX via prepaid packaging company sent. Apparently they did not update the account and it went to Jefferson Capital for {$7500.00} which I have attempted to dispute with multiple times. I have contacted XXXX  and received a letter from them that they no longer have a way to change the amount. Jefferson Capital now also has another company attempting to collect and they say Jefferson is the only one that can remove but cant get in contact with anyone or a response back from them. We are trying to purchase a home and with this in dispute we can finalize our funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXXXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XX/XX/2023 I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX and financial stress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently filed an identity theft report on MOHELA for stealing my SS # and other information to create an account. I requested multiple times in writing and by phone to STOP calling me. I consider their phone calls harassment. They call every Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern.. 
I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for. 
Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate. 
I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay
Product: Credit card

I DID NOT CHARGED THE CREDIT CARD CAPITOL ONE ACCOUNT OPENED FRAUDULENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last month, XX/XX/XXXX, I have been attempting to have an erroneous collections account created by XXXX removed from each of the three credit reporting agencies. This account was created on XX/XX/XXXX in the amount of {$130.00}, and is currently noted as charged off with Equifax. 

However, after many phone calls with XXXX in XX/XX/XXXX, during the creation of a new mobile phone account with them in my name, it was discovered, and stated by their representatives, to have been created by XXXX in error, and further advised that it would be deleted from my report. However, after several months waiting, XXXX has not followed through with that statement and the erroneous account remained on my credit report. I subsequently filed disputes with each agency, XXXX, XXXX and Equifax to have this removed, as XXXX had not taken appropriate action. 

As noted in the enclosed investigation findings from XXXX and XXXX, the account was clearly found to have been invalid and was deleted from my report without further question, however XXXX  has stated on multiple occasions that their own investigations have deemed this account valid and that it would remain on my account. It is unclear how two of the three credit agencies could come to one result, while the third agency remains staunchly convinced of their own completely inverse investigation results. 

These investigation results from XXXX  and XXXX  were even faxed to Equifax as proof on XX/XX/XXXX at XXXX, as shown in the attached cover letter and fax transmission confirmation. Despite this, they have thus far only updated comments on the account and subsequently reduced my credit score by 14 points, in what appears to be a suspiciously retaliatory act. 

In multiple phone conversations with Equifax ( phone numbers XXXX and XXXX on XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ), I was advised that " Equifax has their own investigation process '', and that I would need to obtain a deletion letter from XXXX. 

In a subsequent call to XXXX ( XXXX on XX/XX/XXXX ; XXXX ), I was advised that due to the FCRA they do not send deletion or " pay to delete '' letters, and would be unable to assist further, despite my stating several times that I was previously advised the account was created in error. 

I would like the CFPB to investigate and remove this account from my Equifax report as soon as possible. This account was stated to have been created in error by XXXX representatives, and confirmed to be an error by XXXX and XXXX 's independent investigations. I have received no assistance of any kind from either Equifax or XXXX, despite these errors being of their own creation, errors which have had a significantly detrimental impact to myself and my credit report.
Product: Credit reporting or other personal consumer reports

Ive been in contact with Experian, Equifax & Transunion trying to correct misinformation on my report such as inaccurate addresses & inaccurate names not associated with me that are reporting on my file & they have yet to update the information, which is very mentally frustrating, exhausting & illegal!
Product: Debt collection

I currently carry a student loan, which was originated through XXXX ( educator ) student loan services. In approximately XX/XX/XXXX of this year the loan was sold by educap to American education services ( AES ). I was informed via email of these changes and was informed that all auto enrolled payments would be transferred over to AES 's payment system. Several months passed with my automatic payment being deducted as usual on the XX/XX/XXXX of each month. Approximately XXXX months following the transition I started receiving a tirade of XXXX phone calls and emails relating that my account was delinquent and that payment was needed in order to avoid a derogatory credit report. I reviewed my bank statement and verified that the payments were indeed being processed. I was greeted only moments later by AES at which time I spoke to a representative. I informed the representative of my situation and he related that XXXX was still receiving my payments and that until the payment transferred to them ( AES ) the collection phone calls and emails would continue. I expressed my strong disapproval with this practice, concidering I had done nothing but make my payments on time. In the end there was no resolve to my problem and to this day I receive approximately XXXX phone calls a day from AES. My bank statements prove that the payments have been made on time every month and further more the last XXXX payments have been processed by AES. It is unfair and unethical for me to haggle with creditors everyday for a problem that clearly lyes on the shoulders of AES. I feel harassed, abused, and have spent countless hours of my time and effort in this matter and am seeking resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that there have been several inquires that have been added by someone that have stolen information. THIS IS FRAUD.
Product: Credit card or prepaid card

XXXX XXXX charged me for 2 accidental death insurance plans long after I canceled both plans in writing. I asked them to credit my account when I realized they were still charging me. They did not. The account was submitted to a collection agency and sold. I have not received a demand letter, nor have I been given the opportunity to dispute the disputed portion of the debt XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX placed the account with FederatedLaw who in turn filed suit against me. 
I called and verbally disputed the debt and requested that they document my dispute. 
I asked for a payment plan for two months or until the balance dispute is resolved. I offered the same two - month payment plan until XXXX 2018 at which time I can settle the portion of the debt I owe after filing my taxes. I admit I owe something but not the entire amount this group is unwilling to work with me to resolve this debt. I even asked for a consent order with payments until I file my taxes and can settle they are unwilling to work with me, I do n't want to file a Chapter XXXX I want to pay what I owe I need someone to correct the balance and give me a plan for 2 months until I can raise the money.
Product: Student loan

Navient failed to inform me when the pandemic payment pause was ending and subsequently started charging me late fees totaling over {$1500.00} before I became aware of it. 

I called and complained about it and they reduced the amount owed but it was only about {$400.00}. It doesnt make any sense that they would only eliminate only a portion of the late fees. It was their fault for not communicating when the pause was ending. 

I never chose to have navient be my loan servicer. My XXXX  loans were passed off to them without my consent. Ive been making loan payments for almost 2 years as required by navient. Somehow, these federal loans were not eligible for the loan pause that is ending this month for others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a previous complaint via this site that Equifax was reporting inaccurate and information was not updated as current. I just received an update from my credit bureau alerts that my credit rating has dropped XXXX points due to the changes that were updated. I am very confused on how my credit rating would decrease when my outstanding debt has decreased by {$12000.00}. In XX/XX/2020, I paid off all my credit cards. 
Is this retaliation from Equifax since I complained through the CFPB.
Product: Money transfer, virtual currency, or money service

I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to Coinbase via wire and there it was exchanged for crypto currency and from there it was transferred to a Coinbase Wallet where an exchange named XXXX was accessed through a " Wallet Login ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in 48hrs to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to provide an update on an ongoing issue I have with Citibank. 

To provide a brief overview, I had initially submitted a complaint ( Case # XXXX ) regarding the difficulty in closing my Citibank accounts . Subsequently, I received a communication from Citibank 's Executive Response Team dated XX/XX/XXXX through the CFPB, confirming that all my accounts were closed. This was a satisfactory outcome. This bank account closed confirmation attachment is provided. 

However, on XX/XX/XXXX, I received an email from Citibank prompting me to update my contact preferences for an account that I understood to be closed, causing concern and confusion. Their email clearly shows the " Account ending in : XXXX '' bank number on their communication. I reached out to the Citibank Executive Response Team via email on XX/XX/XXXX, requesting clarification on the status of my accounts, removal of my personal data, and unsubscribing from future promotional and account-related emails ( copy of this communication is attached ). 

Despite waiting for a response for more than 8 days now, Citibank has failed to acknowledge or address my concerns. Given the lack of response, I am understandably worried about the handling of my personal information and the true status of my supposedly closed accounts. 

I am seeking your assistance once again in this matter to ensure my accounts are indeed closed, my personal data is protected and handled according to the proper privacy laws and regulations, and to cease receiving promotional or account-related communications from Citibank. 

I appreciate your continued assistance and look forward to a resolution in this matter. Please do not hesitate to contact me should you require any further information. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the items and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Experian is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An unknown fraud hard inquiry on my XXXX and XXXX account from XXXX XXXX and us bank showed up on my credit account I did not authorized or filled out it was fraud someone stole my identity