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

I have repeatedly contacted XXXX Visa and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX  Visa because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX  and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX XXXX and XXXX XXXX XXXX Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and my consumer right continue to get violated by Transunion. A collection account from XXXX XXXX XXXX have been removed from reinserted back on my consumer report 3 different days. It was removed on XX/XX/ 2022 and reinserted same day XX/XX/XXXX, removed XX/XX/2022 and reinserted same day XX/XX/2022, and it was removed XX/XX/2022 and reinserted same day XX/XX/2022. I am not a consumer expert but I know this is illegally because they were to notify me in writing 5 days before its get reinserted back on my consumer report. I have sent them 3 letters and nothigns has changed. I'm looking forward to taking care of this matter thanks.
Product: Credit reporting or other personal consumer reports

Dear CFPB, American Express is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I spoke to the Customer Service department on XX/XX/XXXX. I told them my request to update reporting and remove late fees would be reviewed. I have no correspondence for Amex ; they have closed all my accounts based on a review of my recent credit report dated XX/XX/XXXX. I had these accounts for XXXX  years with no late payments until Covid - 19 Pandemic in which I have been unemployed for the past year. My unemployment benefits ended in XXXX XXXX  XXXX. 

For the following accounts. 

AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact date XX/XX/XXXX Credit Limit {$7200.00} Before XX/XX/XXXX / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact date : XX/XX/XXXX Credit Limit : {$4900.00} Before XX/XX/XXXX, / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Contact Date : XX/XX/XXXX Credit Limit : {$2000.00} Before XX/XX/XXXX / NEVER /LATE No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - XXXX  days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to XXXX  days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau is following the Fair Credit Reporting Act by Reporting incorrect information about Medical data systems inc, I have documentation showing agreement made between me and XXXX XXXX XXXX at the Medical data systems inc company.
Product: Checking or savings account

After meeting with a company in XX/XX/2023 my husband and I decided to liquidate our timeshare. This agency represented themselves as a time share exit team. They sent out paperwork to gather data about our purchase and then they sent me a numerical figure that they stated would be the amount needed to liquidate our timeshare. They shared information about closing cost, and what would be needed to transfer the deed. On XX/XX/2023 a transaction in the amount of {$11000.00} was made. It was supposed to be for the liquidation of a timeshare/payoff. The representative from XXXX XXXX XXXX called after saying they didn't receive the cashiers check ( I sent it 30 days before noting the timeshare exit payoff in the notes section ). After I canceled the check at the bank, they asked if we could just debit the money as it would be quicker and we could move along the process to get out of the timeshare. I gave him the debit information and later that evening he sent a XXXX for me to initial electronically for the debit ( only one page ). Later on, when he sent me the finalized XXXX agreement, there were additional pages that showed a contract for purchasing into a travel program with XXXX in that exact amount. I didn't agree to that, but there were my digital initials on the form which I knew I never signed. I reached out to the representative immediately and said that's not what I agreed to. In his text message he agreed that this was his understanding and that he would have someone from the company to reach out to me. That never happened and I continued to try and contact someone. When I called XXXX, they said it was through a third party so they couldn't do anything. XXXX XXXX would not respond via phone or email. When I tried to email XXXX, they blocked me. I filed a complaint through the XXXX and they continued to say I signed the form to purchase from XXXX ... when in fact I did not. They continue to reference the contract language to deflect any responsibility, but all they had to do was refund my money. I have never used their service, and I even declined free items when offered stating I just wanted to liquidate my timeshare. When I tried to retrieve the history from the XXXX, it was blank forms. I feel this is a scam being perpetuated by these entities and each one is blaming the other. I only gave permission to payoff my timeshare ( which didn't happen ), not purchase into another company.
Product: Checking or savings account

About a week ago, I submitted instructions to set up an external account for a transfer out of my Marcus savings account opened earlier this year. After verifying the XXXX test deposits, my account was inexplicably locked and I was asked to phone in. As of this writing ( XX/XX/22 ), I have phoned in XXXX times to attempt to release the lock. I was asked on the first XXXX calls to await a return phone call within THREE MINUTES. I waited at least 30 minutes in each case and no call came. The third call dumped me into a voice mail box was that not attended. On the fourth call I was put on hold several times and I told the agent that these are XXXX XXXX XXXXecovery funds and to hold them is UNLAWFUL per the UCC-1 filed by the XXXX. I was told the account was being reviewed and I should call back in 1-2 MORE business days. This is absolutely insane. This account only has a few XXXX dollars in it and this is Goldman Sachs? Wow. I will not wait around all day long for a phone call. Today makes 5 calls with the same result. They keep asking me about a prior phone number. I've had TWO phone numbers assigned to me ( same cell phone ) for the last 10+ years. I was told to call back in 1-2 days as they are still reviewing and would not tell me anything else ( even after pressing them ). This is insane for an account with about {$2500.00} in it. I now want ALL my money out of this account sent to the destination account I specified. Please see the XXXX  complaint also filed on this situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Experian, XXXX, and XXXX failure to properly verify bankruptcy information on my credit profile. After reviewing my credit report, I noticed that a bankruptcy entry remains on my record despite my attempts to confirm its accuracy. 

On XX/XX/year>, I contacted the US Bankruptcy Court of Maryland to verify whether they provide bankruptcy verification to credit bureaus. I was informed that the court does not verify or report any bankruptcy information to credit bureaus. This contradicts the credit reporting agencies claims that they have verified this information. 

Following this, on XX/XX/year>, I submitted formal disputes to Experian, XXXX, and XXXX, requesting that they provide proper verification of the bankruptcy entry. However, each bureau responded that they had verified the information, without providing any evidence beyond referencing their own records. Given that the court itself does not verify this information, it is unclear how these agencies are conducting their investigations. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act ( FCRA ). If they can not independently verify the bankruptcy entry with an original source, it should be removed from my credit report immediately. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

I was contacted by someone posing as a Bank of America ( BoA ) representative. The number they called from matched the one on the back of my BoA debit card. He said that someone tried to use XXXX to transfer money from my BoA checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official BoA texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my BoA checking account via XXXX to this unknown individual. I immediately went to my local BoA branch the same day ( XX/XX/XXXX ) and a staff member helped me call the BoA Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that BoA often declines to reimburse people who authorize a XXXX transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact BoA on my behalf and reiterate this position to the claims department handling my claim. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing different balance amount due on credit report that is incorrect
Product: Student loan

I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's " private '' nor can it be claimed under bankruptcy because it is a " student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a " lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.
Product: Credit card

I do not shop at The XXXX XXXX, yet incurred a debt from them stating that I have a {$150.00} balance. In fact this account is fraudulent, as I called the company ( XXXX XXXX XXXX XXXX XXXX ) and they did not have the correct telephone number that is mine, connected to the reference # XXXX. 
The collector then attempted to update the account with my mobile number that I called in from. I urged the collector to not update the account with my information, as it is not my debt and that I would be disputing the account.
Product: Credit card

I tried to do a balance transfer from Avant to XXXX. XXXX sent funds to Avant to initiate the balance transfer process. Avant denied the balance transfer, did not notify me and claimed their policy and contract did not except balance transfers. I looked over policy and contract and found no evidence of their claim.
Product: Debt collection

I was a victim of identity theft and noticed a collection from PMR PROGRESSIVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PMR PROGRESSIVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- Account number : XXXX This account isnt mine. Please provide the description of the procedure of the investigation used to verify this account if you cant please delete this account immediately. 


I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I never signed up for this it even says " joint? '' I would like to know what was verified as this is incorrect. Please remove from my credit report.
Product: Student loan

I currently have $ 97k+ loans with Navient alone. I am actually currently on a loan reduction program, but I am told that it will keep going up. They tell me that I can afford about $ 800- {$900.00} a month. I can not. Currently I am at $ XXXX/month but even with that, I am struggling. I have been paying off my loans ( after the 6 months grace period ) since XX/XX/2016 and my loans only keep going up!. My loans were at about $ 95K when I started in 2016 and now are over $ 97k+. I am assuming this is all because I am on the loan reduction program. I can not refinance these loans because my credit is too low. Trying to get this company to work out a lower payment plan is like pulling teeth. It took me a month of negotiating to get them down to $ XXXX/month, which I was told was a very special circumstance. However, that monthly payment is about to be up ( I am only on this plan for 6 months before it goes back up ). The worst part is, with doing this rate reduction plan, the interest accrues and my student loan bill goes up. I can not afford the regular price ( I was told it was roughly around $ 1300/month! ) I am swimming in debt. I am on time with everything but I get no where. My sister has gotten a call about a lawsuit with Navient. Not sure if it was a robocall or not or if it is even legit.
Product: Credit card or prepaid card

Two transactions were made in XXXX XXXX for {$75.00} and {$77.00} at XXXX XXXX. This was at XXXX XX/XX/2022. 
I noticed immediately while I was grocery shopping in XXXX at XXXX. Where I made a transaction around XXXX in XXXX CA XXXX I called my bank chime immediately at XXXX and filed a claim disputes for both fraudulent charges. I provided photo evidence of the transaction through my XXXX XXXX app, but they decided that the charges will be deducted from account and not refunded.
Product: Mortgage

Quicken Loans is attempting to close on a loan with the clients name, XXXX XXXX, XXXX, FHA case number. They fraudently misquoted her numbers telling her the world and then bait and switched her. They charged {$400.00} for a fee not related to the appraisal so they could keep the appraisal. In every which way they tried to skeem and push something in front of this lady, all the while I was diligently telling her they were in the bait and switch program. I wish this not to the case on future, elderly, XXXX, living in poor neighborhood individuals. They also denied transferring the fha case, which is illegal, despite the client writing us a letter, stating that she was wanting to go with us. Again, very illegal and very unethical, you can not have a lender like this operating in OHIO.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated XXXX  XXXX XXXX  {$1300.00} Outdated DOCTORS BUSINESS BUREAU {$180.00} Inaccurate
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 5 ) days of the completion of your re-investigation. 

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

OMG I found crazy things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.
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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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