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

I recently checked my credit report and discovered two charges from a company that I didn't recognize XXXX XXXX XXXX XXXX. these charges are literally two months apart, XXXX and XXXX. I feel so violated in knowing that someone can use your information against you like this. {$2200.00} of debt that I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Experian and XXXX Please delete the following accounts.XXXX. portfolio recovery {$10000.00}. XXXX XXXX XXXXXXXX {$660.00}. XXXX XXXX XXXXXXXX {$660.00} XXXX. XXXX {$2000.00}. XXXX. XXXX BANK XXXX {$4600.00} XXXX. XXXX XXXX {$66000.00} XXXX. XXXX XXXX {$66000.00}. XXXX. XXXX XXXX  {$5700.00} XXXX. XXXX {$10000.00}. XXXX. XXXX XXXX {$31000.00}. XXXX XXXX {$2200.00}. XXXX. XXXX {$560.00}. XXXX. XXXX XXXX {$3400.00}. XXXX. XXXX XXXX XXXX {$7000.00}. XXXX. XXXX {$500.00}. XXXX. XXXX {$720.00}. XXXX. XXXX {$1600.00}. XXXX. XXXX {$3700.00}. XXXX. XXXX {$690.00}. PLEASE REMOVE ALL THESE ACCOUNTS FROM MY REPORT PLEASE.
Product: Credit card or prepaid card

I was making a purchase at the American Eagle store # XXXX on Monday, XX/XX/XXXX at XXXX XXXX & was asked if I had a Rewards Card. I thought I did, he looked it up but could n't find one so asked if I wanted to start a new rewards card. I said, not a credit card but rewards card, correct? He said yes. We started going through the process & I was prompted to provide my SSN, I again asked if this would be a credit card. He said no, & that he was prompted to provide this same information when he signed up for his rewards card. So I finished the transaction of {$79.00}, paid with my own credit card & left. Three days later ( XX/XX/XXXX ) I received an alert on my credit bureau that I opened an American Eagle credit card & my credit score dropped 21 points! I went & found the information he gave me on the Rewards card & it shows a credit card number & credit limit. I immediately called the credit card company, explained the situation & was told that the store reps are told to market their credit card as a Rewards card because you get more rewards if you have a credit card. I think this is very deceptive. I told them to close the account as I never intended to open it & asked them to update my credit bureau as such. He said he would close the account but did n't know if my credit bureau would be updated. I think they need to take responsibility & update my credit bureau to indicate that the store opened this account in error. I should n't take the 21 point hit on this. I asked for a number to call to file a complaint & I called that number on XX/XX/XXXX. The complaint I was able to file was only about how the store rep marketed the product to me & he said they would get the information to a district manager. But I want something done about the credit bureau reporting. This seems unfair, deceptive & I have to wonder if it is incentive driven.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the COVID-19 pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Transunion, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Transunion for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Product: Credit reporting or other personal consumer reports

I would like for the collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDepartment of Education DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and * ( Rent Recovery Solutions Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to be take off my account with my credit bureaus according to law FCRA section 605 B its illegal to report information on my credit without my permission. Also Law 15 USC 1692C ( c ) clearly states if a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication. So I am asking if theses collectors can please be removed on my credit reports
Product: Student loan

Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.
Product: Credit card

I accidentally made an electronic payment from my XXXX checking account of {$750.00} to defunct payee credit card ( Amex XXXX Products on XX/XX/XXXX ). The money was transferred out of my account on XX/XX/XXXX, clearly accepted by some company instead of having the payment rejected due to the inactive account status. I called XXXX to have them dispute the charge, but their representative said as I authorized the electronic payment and it was already made she could not cancel or dispute the charge. I have been trying to get this resolved with AMEX and XXXX XXXX XXXX XX/XX/XXXX. After months of AMEX insisting it was a XXXX XXXX credit card account, XXXX XXXX opened a new case for me ( case # XXXX ) and said they would call or email me within 4 days to help me resolve this. They then promptly sent me a letter saying the claim was invalid because it is not a XXXX XXXX account. Around XXXX XXXX I finally got a second ( higher ) level Jet Blue representative XXXX the phone who got permission to call and get a second level AMEX representative XXXX the call, during which it was agreed that this was an AMEX, not Jet Blue, credit card account and the AMEX representative XXXX to open an investigation and get back to me in a few days. After a few days I called AMEX again and the ( new ) representative explained it XXXX take XXXX weeks. I called after XXXX weeks after which an AMEX representative said this might take months because it is no longer an active account ( or type of credit card ) and they were not sure what company manages those defunct accounts anymore. Ive tried periodically ( mostly monthly ) to call AMEX to see what the resolution is, and a few months ago ( Sept/Oct XXXX ) I got a representative called XXXX who XXXX did call me weekly for a few weeks to say there was still no resolution but that he would follow up. After a few weeks, I no longer received any calls from AMEX. I even finally emailed XXXX XXXX. I called AMEX again Wednesday, XX/XX/XXXX and got a representative who basically refused to connect me to a higher level representative and who said she is sorry but there is nothing they can do about the case. That is when I realized this is fraudulent retention of funds paid to AMEX and XXXX of reporting the situation to the FBI in the hopes of getting my money back. I have a stamped proof of payment from XXXX identifying the date, payee, account number, transfer number, amount, etc. I also have my Chase account information that I can print to pdf that shows the {$750.00} payment was made and not returned or credited to my active account AMEX credit card. My lawyer has suggested, in addition to filing the complaint with the FBI, that I write AMEX customer service, the Better Business Bureau and contact the police. As this is a case of fraud, I am unsure the police can help. The FBI website advised me to submit the complaint to consumerfinance.gov/ Thank you for looking into the matter, advising me, and hopefully obtaining the refund to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.
Product: Debt collection

The original creditor is Capital One. 
- The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX XXXX and XXXX ). I have also called XXXX XXXX   directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact Capital one - but I was advised to contact the debt collection agency. I have a current capital one credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has made it impossible for me to unfreeze my credit report so my application for a credit card from XXXX XXXX was denied. I started calling Experian on XX/XX/XXXX and have called multiple times. Their automated system doesnt understand my answers and its impossible to speak to a human being. I have also tried their website multiple times beginning on XX/XX/XXXX. I cant even get them to mail me information about unfreezing my report. I have never had this problem with other credit bureaus and I believe Experian is just trying to get me to create an account with them so they can get me to use their various services, which I dont want. Also, their system wont even let me create an account!
Product: Debt collection

The Credit Collections Bureau ( CCB ) sent me an undated notice stating that as of XX/XX/2022 I " owed '' {$320.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with now XXXX XXXX  interest. They advised to dispute the debt by XXXX. I did and requested verification of the debt they believed was owed. In response, on XX/XX/2022, XXXX sent me a statement that " enclosed is the information you requested. '' Enclosed was an unambiguous statement from XXXX that they had failed to bill my insurance on time which otherwise would have fully covered all costs ( the VA, I am a veteran covered by the Mission Act ). The document states no debt is owed by anyone : You owe {$0.00}, Patient owes : {$0.00}, Insurance owes : {$0.00}. '' I am also in possession of the XXXX XXXX XXXX " Service filed after time limit. Veteran responsibility {$0.00}. '' XXXX has never tried to collect on this " debt. '' CCB 's own documentation shows they knew or should have known no debt was owed and were fraudulently trying to collect a non-existent debt by taking advantage of someone they knew ( or had reason to know off the one page document ) was a veteran. Despite " evidence '' on its face showing no debt is owed, CCB has not stopped their attempt to collect this non-existent debt. 

XXXX has also engaged in fraudulent behavior as they failed by their own error to bill my insurance on time, then closed the account showing no debt owed/liability as they legally had to BUT then inexplicably and fraudulently sold the non-existent debt to a debt collection agency. I learned of this entire matter only when I received the collection agency notice as my first and only notice of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX hard inquiries on these dates XX/XX/XXXX and on XX/XX/XXXX also XX/XX/XXXX again on XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX Delete this unconfirmed inquiry lacking certifiable, evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Dislike Once you have fulfilled my request, mail me an = updated credit report reflecting these changes. o
Product: Credit card or prepaid card

On or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX. 
Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX. 
While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place. 
Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit. 
We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.
Product: Credit card or prepaid card

Credit card company : American express Issue : 1 ) I requested for a name change on one of my addition cards that I gave to my friend. This request was to change the card name from XXXX XXXX to XXXX XXXX 2 ) however, after serveral unsuccessful attempts, Amex effected a name change erroneously for my card and account. Amex had erroneously change the principal card and account from XXXX XXXX XXXX to XXXX XXXX instead of the request in ( 1 ) 3 ) upon realising this error, I contacted amex on various channels - online banking, online chat, tweeter for more than 10 times to rectify the error, however, they refused to rectify the error they had made.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS XXXX AND EQUIFAX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU
Product: Credit card or prepaid card

I hold a card.com account prepaid card. I made a dispute on a charge on my card on XX/XX/XXXX XXXX. They told me that my card was locked and under further review. My card has been locked for almost a month. I have called them numerous times asking them to turn on my card and they refuse to turn on my card I am a XXXX person and they are holding my money Ransom
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I went to try and purchase a new car. I agreed to allow credit inquiry by the dealership. During this whole process, the dealership allowed my credit to be checked 16 times on Experian, 6 times on XXXX and 4 times on XXXX. This has destroyed my credit since all creditors say I have too many inquiries. I would never allow someone to hit my credit report 16 TIMES!!! I want these removed. I have contacted the credit bureaus, and there is nothing they can do to assist, so they say.
Product: Credit reporting or other personal consumer reports

When the data breach happened in XX/XX/XXXX I noticed my credit went from XXXX to XXXX, I saw accounts that said authorized user that were never on my report before. I contacted XXXX XXXX  they issued a letter and an email stating they removed me from the persons account XX/XX/XXXX however Experian keeps putting it on my credit with the documentation from XXXX and they keep putting back on. I dont understand how else to prove its not my account.
Product: Student loan

Fed Loan Servicing has refused to remove the forbearance from my student loan so I could be earning more months toward my PSFL credit. I contacted them by phone after the President announced that student loan payments would be put on hold, and during the time the payments were on hold credit would given toward my Public Service Loan Forgiveness plan. They said that there was nothing they could do and that I was required to stay in forbearance until Ive exhausted all the forbearance time and that I would then not be eligible for getting credit for the months I was in forbearance. I gave up trying to reason with them and I am still in forbearance not earning any time credit towards my PSLF program.
Product: Money transfers

After being a member of PayPal for 6+ years at least, my account has been permanently limited for no apparent reason at all. I 've called and spoken with XXXX different employees of PayPal and I 'm only told that they 've made an executive decision to close my account because the rick is greater than the reward. I 've never done any illegal or fraudulent transactions and have had XXXX or XXXX disputes per year. They are holding my funds for 6 months and claim they are doing so to cover any charge-backs ( which I 've never had not once ).
Product: Money transfer, virtual currency, or money service

Someone Txted me about sending them money and they will send me double back. I thought about it then changed my mind. After I Said nvm he got mad, blew up my phone n somehow found a way to hack my account n send him money. He took everything out.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.