23daVinci/CFPB_Complaints huggingface dataset:
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. As a customer, I actually have defense under the law that is brought to me to secure me from misrepresentation simply being noted on my credit report. But in spite of all the complaints I sent to CFPB and Transunion, nothing has altered! So once again, I would like to appeal the destruction of this item from my credit report, which is the result of a fraudulent item beginning and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my papers, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to clarify things that I am an IDENTITY THEFT VICTIM. I am trying to get credit and it is causing me too much emotional and financial agony because of this item that does not belong to me which is reported inaccurately. I am in desperate need of this item to be ELIMINATED and OBSTRUCTED. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Complaints # XXXX, XXXX, XXXX and I discovered that you have closed my complaints last XX/XX/22. I am resubmitting my complaint today to inform you that I saw these UNVERIFIABLE accounts on my personal profile : XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$820.00} which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these erroneous accounts will be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.
Product: Student loan

I submitted a previous complaint about how they were handling my request to switch income based payments. I thought the situation was resolved when they approved me for ICR payments with a {$5.00} forbearance in XXXX. In XXXX I never received the bill for {$5.00}. I called and I was told that they could not generated a bill because of when my request was approved, but I needed to pay the {$5.00} by XX/XX/XXXX, which I did. Subsequently, I was given a bill for XXXX which reflected my payment under the new plan. This week I was sent an e-mail saying that my request to be on the ICR plan that was already approved was rejected and now pending. I immediately called when I saw my {$5.00} payment for the forbearance was being considered an early payment for XXXX. I was told that when the automatic payment is made for XXXX the processor will see the payment was for my XXXX forbearance and fix the problem. 

This morning I received a letter in my file stating that my account is now in administrative forbearance and my XXXX payment under the new ICR plan would not be made. I would like this problem fixed asap. I want to get credit for the loan forgiveness program and Fedloans is purposely messing with my account.I did everything they told me to do and there is still a problem, which they have blamed on their computer system. 

Also, the amount of payments for my eligibility for loan forgiveness is incorrect. They have not processed 13 payments from when I was with XXXX XXXX. Instead of 45 payments my account should reflect 58 payments. I sent in an employment verification form from my eligible employer showing I worked there from XXXX.
Product: Payday loan, title loan, or personal loan

I took out a loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. 

I reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I need help!
Product: Checking or savings account

I received an offer from Citi where I would get a $XXXX bonus and an extra 0.5% cash back on my credit card for opening a checking account.I opened the checking account but did not fund it at that time because I didn’t have a check from the XXXX XXXX XXXX where the funds would come from.I logged onto Citi.com and didn’t see my new checking account listed. So the next day I opened another checking account and funded that checking account. I didn’t understand why but it forced me to also open a savings account. So I opened the savings account with $XXXX.I was in the middle of making some big purchases for my new house so I wanted to know when the extra 0.5% would start. I spent far too much time on the phone before I was told that I didn’t qualify because I had not put the $XXXX into the proper checking account. I tried to explain that I made a good faith effort to do as they requested but it didn’t seem to make any difference.I then closed the 2nd checking account and the savings account and requested a check. After receiving the check and depositing it back into my XXXX XXXX  account. I then transferred the money into the first checking account. Within a day or two, I got an email saying everything was set up properly and the extra 0.5% would start on the credit card.It had taken far too long but I figured everything was properly set up and everything was fine. By this time, I had already soured on Citi but decided to not do anything at that time.I was surprised to find an envelope from Citi in the mail on Saturday with the check for $XXXX  saying they had closed my account. I called Citi this morning and they stated they had the right to close my account and there was nothing to be done.So, after all this time, I first started to transfer the $XXXX to Citi on XXXX XXXX and won’t have access the funds they sent me until XXXX XXXX, I appear to have nothing. Citi still must want me as a customer because I still get offers for various credit cards from them.I know I did whatever was necessary to get the $XXXX and the 0.5% on the credit card and I am surprised that Citi is able to avoid giving me my bonuses. It might be legal but it sure seems immoral to me.What if anything should I do to prevent Citi from treating other customers as badly as they treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE. I HAVE CONTACTED THE XXXX CREDIT BUREAUS AND THE ACCOUNTS ARE NOT REMOVED.
Product: Credit reporting or other personal consumer reports

The law states that there should not be a late payment reporting on my consumer report at anytime and should no include any transactions or experiences between me the customer and any person making a report furthermore I have never given any consent for these alleged transactions. 

These areas clear violations of my consumer rights under. 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and 15U.S. Code1666b
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Product: Credit reporting

I have an account that appred on my credit report XXXX XXXX marketing this is not my account have no knowledge of this
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase for crypto currency trading. One of the reasons I chose Coinbase was because it is US based and offers FDIC-backed insurance. On XX/XX/2021, my Coinbase account was hacked. Coinbase has no phone support and only provides email support to it's clients. I opened several tickets with their customer support since XX/XX/2021 but they didn't act promptly. Most of their responses just automated responses. They didn't show any seriousness in looking into the incident. I reported the matter to the U.S. Securities and Exchange Commission ( SEC ) and Attorney General office. SEC adviced me to also report this to your office, hence I am writing this email. 

Finally, on XX/XX/2021 my access to account was restored but Coinbase disabled transactions on my account. No withdrawals are allowed. I have opened several tickes since then. I am so frustrated with Coinbase that I want to close my account and transfer my funds to another company. My hard earned money is being held by coinbase. But, since Coinbase has disabled all my withdrawls, I am not able to do so. I have close to {$10000.00} in my account and Coinbase is not allowing me to access my account.It should be illegal to stop customer access to his funds for so long and provide no update. Since time is of essence, I am seeking your intervention so that Coinbase takes this matter seriously. 
Here the some of the tickets I opened with them regarding issue with withdrawls : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Credit card or prepaid card

Duplicated charges from the same doctor 's office since XXXX. My husband signed/authorized the charges only once with every visit to this doctor 's office but they are all duplicated on the Discover Card statements. We have paid Discover Card for these unauthorized  transactions. Dispute department has been contacted in XX/XX/XXXX and XXXX worked to put the credit of {$660.00} and {$140.00} on our account. These then showed up as transfer balances on XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). Discover Card dispute supervisor ( XXXX ) whom I spoke to on XX/XX/XXXX confirmed that Discover Card has paid the doctor 's office twice for each of these transactions. We have paid Discover Card and expect Discover Card to pay us back in full for the unauthorized charges immediately. It is a mistake made by Discover Card in paying the merchant for unauthorized transactions and their Fraud department should take responsibility for not catching this. Discover Card is unfairly making the payment to us for these unauthorized  transactions dependent on them being able to recoup the money from the merchant as a " transaction by transaction '' dispute and reversing the temporary credit when the merchant is unresponsive or responded that they did not duplicate a charge to Discover Card for a particular disputed transaction. XXXX also told me on the XX/XX/XXXX call that she can only put a partial amount of the total owed to us on permanent credit ( {$770.00} ) and refused/ can not give us permanent credit for the full amount owed to us ( {$1300.00} ). The {$770.00} permanent credit still has not shown up on my account as of this writing. On XX/XX/XXXX, I have received several letters in the mail from Discover Card stating they are unable to settle the disputes in my favor and consider the charge to be valid with merchant 's response attached amounting to {$730.00}. On XX/XX/XXXX I have also reached out to the doctor 's office and spoke with XXXX in Billing. I was told to mail her the statements showing the duplicated/unauthorized transactions. This was mailed to her by registered mail. XXXX made a follow up call to me on XX/XX/XXXX and mentioned XXXX, her supervisor has provided a full report to Discover Card.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remained unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : TBOM/ATLS/FORTIVA # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Student loan

My Federal Students loans were given to Mohela because I applied for their PSLF because I work for a county Healthcare Department. I will out all the paperwork and completed an application for repayment sense the XXXX pause is almost up. I did everything that I was supposed to do. So I received an email saying MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion. Congratulations! Our records indicate that you have exceeded the required 120 qualifying payments needed to receive forgiveness under Public Service Loan Forgiveness ( PSLF ). It will take some time before the forgiveness is processed on your account. There is nothing further you need to do at this time. Once the Department of Education notifies us to process the discharge, you will be sent notification. Please be advised that any refunds you are expected to receive are issued from the U.S. Treasury which can take 60-90 days to receive. We appreciate your patience during this time. If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX XXXX XXXX  T-W, & XXXX Th-F. XXXX  XXXX XXXX XXXX, XXXX, MO XXXX. This message, from a debt collector, is an attempt to collect a debt and any information So I wanted to call and make sure. They said oh sorry we didnt mean to send you that. You still have to pay. If I wouldnt have called I would have never know. Per their email I wouldnt be making payments anymore. Then I would have been in default for not paying. This to me is not something to just brush off. This is their fault. When I called to talk about they couldnt even explain to me how it happened. They hung up on me. 

What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, even thouygh they claim to have no information about me.