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

I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.
Product: Student loan

I filed for a Private Loan Exception on on XX/XX/XXXX/XXXX. I was denied on XX/XX/XXXX2024. When I called AES regarding the denial, I was informed that the Lender, XXXX XXXX denied the claim. My current payment is {$420.00} a month, a payment which I can not afford. When I asked if there were any options to lower my payment, they told me that I had exhausted all options. 

I took this loan out in XXXX while attending the XXXX XXXX XXXX XXXX, a school that no longer exist and was recognized for its misconduct. My mother was a cosigner on this loan, and it was originally for {$12000.00}. Somewhere in the early XXXX 's my mother filed for bankruptcy. I lost access to this loan through AES and my mother was under the impression that the loan would " disappear. '' I had moved several times during this time period, gotten married and moved on with my life, and did not know the loan still existed until a payment randomly came out of my account a year or so ago. I have been struggling to make payments ever since for a loan that is now {$26000.00}
Product: Vehicle loan or lease

On XX/XX/ I financed a car through Capital One, at the XXXXXXXX XXXX XXXX in XXXX where I was prequalified for an auto loan with Capital One. I allowed XXXX to know that I was prequalified with Capital One and that I didn't want any other companies to run my credit. Firstly, I received hard inquiries from companies I did not authorize. Secondly, the purchase price of the car was {$14000.00}. I put a down payment of {$1800.00} ( which is illegal pursuant to 15 USC 1605 ) which brought the purchase price down to {$12000.00}. XXXX XXXX attached erroneous fees that brought the Total due to {$16000.00}. I exited the dealership with my vehicle believing my total financed was {$16000.00}. I looked in my Capital One app at the amount financed, and saw an amount of {$19000.00}. I realised that this was a fraudulent loan. XXXX stole {$3000.00} more on top of the other close to {$2000.00} of erroneous charges. The total of the whole pay off on the loan is {$30000.00}, which is a ridiculous amount for a {$12000.00} car. I requested to see the contract between myself and Capital One, and Capital One refused to provide me with a copy of my contract.
Product: Prepaid card

XXXX paid me through a pre-paid debit card by XXXX. Upon activating, i could not activate my card and had to contact XXXX. Upon talking with a rep i was informed that my card was compromised and that there was a charge on the account and the account information and number is incorrect. 

They have said they will cut me a check and will file a dispute but this is the worst and unsecure method used by the XXXX.
Product: Debt collection

I received a bill from CMRE Financial Services , Inc. stating I owed {$95.00} for services provided by a radiology company. There was no date of service on the bill so I could not verify it was charged to me appropriately. I had received radiology services on a couple occasions and one was my responsibility and one was not. I sent in a protest to the bill and asked for sufficient detail to determine if the charge was fraudulent. My suspicion was that they were withholding information in the hope that I would just pay the amount simply because it came from a collection agency. In their response to my letter they provided the service date which confirmed it was not my obligation. 

I called CMRE to verify that they did withhold this information in their first communication. Before answering the phone they indicated the call was being recorded. My first question to the representative was if I could get a copy of the phone call recording. He indicated he did not know and did not attempt to find an answer. He hung up on me rather than answer my question definitively. I called back and asked for a supervisor. I explained to the person answering the phone ( XXXX ) that I was upset that the initial contact did not include the date of service, but I wanted to give CMRE a chance to explain why they withheld this information, or point out to me if the information was in fact included and I simply missed it. I reached a supervisor and explained this request. Before answering my question he requested some personal information, even though they identified me via phone number and I confirmed it was correct. Before providing the information, I asked the supervisor if, after providing the information, he would be able to answer my question. He would not respond to this query. The call ended. 

I then called the CMRE compliance hotline on their website. A person answered without identifying themselves. It was a simple " hello '' as if I had reached a personal phone line. I called back and was sent to voice mail and the person answering did not identify their association with the hotline. 

This brings me to your board. I'm concerned CMRE is sending out incomplete information in hopes of bluffing people into paying bills. I think you should require CMRE to include all information necessary for their targets to determine if their bills are accurate. I will contact the radiology company directly and inform them that the bill they gave to CMRE was not my responsibility. I also inform them of CMRE 's deceptive billing practices.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX XXXXhey stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my bag was delayed on a return trip from XXXX. I contacted the Citi Benefits number and the agent opened a claim. After returning home, I submitted the required information to complete the process. 
Last week, I received a letter date XX/XX/XXXX from Citi Card Benefits Administration stating the claim was declined as I was returning to my primary residency. 
I called Citi Benefits on XX/XX/XXXX and the service agent made several attempts to demonstrate that I was ineligible. First she restated the letter, then we talked about " Completion Date '', then that it was a return trip and finally she was suggesting XXXX was my primary residency. 
It felt like I was bombarded with a series of arguments to prevent them from honoring their offer per the guide called " Your Guide to Protection Benefits '' Fact- My bag was delayed and I was in XXXX for three days without my bag. 
They know my primary residence is in Iowa.
Product: Mortgage

Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, EXPERIAN Never applied for these accounts, please delete these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank You.
Product: Student loan

MOHELA has been impossible to get a hold of. Ive submitted an employment verification form to them in XX/XX/year>XXXX  to get some payments Ive made towards PSFL to become eligible as I believe there are several loans for which are now eligible for foregiveness. I sent a message on XX/XX/XXXX asking for a status and all I have been getting is automated weekly emails saying they will respond in 15 days. I even tried calling and waited on hold for a representative for over 4 hours before giving up. How are borrowers supposed to manage their loans if the servicer wont even respond to their messages?
Product: Checking or savings account

On XX/XX/2020, I opened a Checking account online with TD Bank and setup my username/password and full credentials to access the account. 

To fund my account, I linked my XXXX Checking account to the TD Bank Account on XX/XX/2020 and successfully sent an ACH Transfer to my TD Bank Account in the amount of {$2500.00}. 

On XX/XX/2020, I was no longer able to access my account online and have been instructed to visit a branch location to resolve my issue. 

I attempted to reverse the ACH from my XXXX   Checking Account to TD Bank for the amount of {$2300.00} on XX/XX/XXXX and the transfer was successful. Since then, TD Bank issued a debit to my account to my account and has withdrawn the money without my consent. 

I am currently in XXXX XXXX, CA and not able to visit any branch location to resolve this issue due to strict travel restrictions in California. I will not be able to return to Maryland until XX/XX/2020. 

I would like all my funds ( {$2500.00} ) returned to my XXXX checking and to close this checking account ASAP.
Product: Credit reporting 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 accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Been reaching out sence XXXX XXXX XXXX  every month after that as of XXXX XXXX last call no answer I have no ideal why or why there on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX, 2022 XXXX requested credit report Creditor info : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX  XXXX requested credit report Creditor info : XXXX  XXXX XXXX XXXX  XXXX XXXX, Va XXXX ( XXXX ) XXXX These are all unrecognized inquires and they are affecting my score
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX and don't have contract with XXXX XXXX XXXX did not provide me with the original application loike I asked. 

Account XXXX. XX/XX/XXXX. XXXX this Account is included in that XXXX bankruptcy, please delete from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXX Bank XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My father arranged the money transfer through a friend that he knows in United States. His friend deposit the amount of {$6800.00} in the forms of money order to my Chase Bank account on XX/XX/XXXX of 2020. Within a day, Chase notified me with a letter stating that my account at Chase will be closed unless we called the number that they provided and able to provide the information they need to keep the account and money. I called the number and they asked for the receipt of the seven money orders which amounted to {$6800.00}. Receipts I can not provided at the time, leads to my account closure and money confiscated after a few weeks. Chase still had my account blocked and the remaining of my funds, which was not withdraw at the time, including the {$6800.00} deposit to this day.
Product: Debt collection

I have tried to dispute my accounts with TransUnion but have not been successful due to not being allowed to submit disputes online
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

Dear Experian, I have received your Reinvestigation results. After carefully reviewing them, you failed to completely and accurately verify this account. The Verification is invalid due to inaccuracies. Therefore, in accordance with 15 U.S. Code 1681i, Im requesting a description of the procedure used to determine the accuracy and completeness of the information. 

XXXX XXXX XXXX Account XXXX Report Number : XXXX
Product: Student loan

I was notified via email about a student loan that had been assigned to me. To find out more about the details, I registered for an account. However, I discovered that the loan was associated with a school that I have never attended. On XX/XX/2023, I took the initiative to write a letter to the company and also sent a copy to all three credit bureaus, addressing this discrepancy. 

It is extremely alarming that despite my never having attended the school mentioned in the loan, the information was deemed " verified '' and considered accurate. How is it possible for a school I never enrolled in to demand payments from me and report the debt on my credit report?
Product: Credit reporting 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 this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX  XXXX XXXX XXXX   WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, XXXX, and TransUnion using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.
Product: Credit card or prepaid card

I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months. 
I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported XXXX XXXX 2017 by XXXX  and XXXX