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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello everyone, I have been using PayPal for long time, it was all good unitl and for no reason has been holding my money of about {$500.00} it's on hold for about 120 days now, I don't see that is legal action PayPal has taken against my money, I don't have any disputes open all this period of time. 
I want to withdraw my money, it's been long time holding my money for no reasons! My account mail under ( XXXX ) My Name : XXXX XXXX
Product: Checking or savings account

XX/XX/2024 my credit karma account being hacked into by a number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX on behalf of XXXX @ XXXX for the last three years. IQ reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections IQ Data International, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance IQ Data International furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) IQ Data International requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXXon behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

IQ Data International has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Experian needs to delete this file
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , MA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I have 4, virtual {$100.00} American Express prepaid gift cards that are supposedly able to be used anywhere American Express is accepted online and in person ( {$400.00} total ). The cards terms state " Use at U.S. merchants that accept American Express Cards. Funds do not expire for all cards other than expiry cards. '' The American Express website also states that these cards are able to be used via XXXX. 

I have tried using all 4 of the cards online at : the XXXX XXXX, XXXX, XXXX, and XXXX. When my transactions failed at these major retailer stores online, I then tried adding the virtual gift cards to XXXX XXXX to use the cards in person, since the American Express website states that how to use these virtual cards in person. Adding the cards to XXXX XXXX and using them in person also did not work. I have multiple emails from retailers ( XXXX XXXX, XXXX, and XXXX ) saying that my payment has been rejected and they are unable to give a reason why the card was rejected other than " check with your card about the transaction. '' Each time I attempt to use the cards, I make sure the purchase amount is less than {$100.00}. I include the card number, card expiration date, security code, and billing address ( as their website states this information is needed when making a purchase ). No matter how small the purchase, the card gets rejected. I have checked the balance for these cards online and by phone, and it has been verified multiple times all 4 of the cards are active and have balances available. I am also now starting to get XXXX cent charges posted to these cards for all of the supposed " failed transactions. '' When I contact American Express, their customer service is extremely frustrating to deal with. Their customer service line only directs me to a robot, I have spent too much of my time trying to reach an actual person to assist. The only help I am able to get is verification that my cards are active ( not expired ) and have balances available, so they should be working. I have looked online to research if other people are experiencing similar issues. There are tons of posts on XXXX and similar websites with people complaining about the same issue. It seems like these cards are impossible to use anywhere and American Express customer service is of no help. I am not sure how they are getting away with not allowing these cards to be used, especially from major retail stores. I am at a loss of what to do. {$400.00} is a lot of money to just let go of, so I am reaching out for advice or help regarding next steps. 

I am submitting one of the emails I just got this morning about my failed payment.
Product: Student loan

I have been enrolled in the Income Driven Repayment Plan ( PAYE ) for quite some time now and recently received a letter from my loan servicer MOHELA to re-certify. I got the initial notice to re-certify XX/XX/XXXX, and so, I submitted a new application to go into the new IDR plan SAVE on XX/XX/XXXX. However, I received another letter from MOHELA on XX/XX/XXXX stating I am now under a STANDARD repayment plan ( LEVEL ). 

I called Mohela and was transferred several times before reaching a representative to assist me. I waited 2 hours on the call for the representative to " do research '' and get " back up '' for them to tell me they " don't know why '' I have been switched and that I have been in the LEVEL plan since XX/XX/XXXX. 

I called again 2 days later and was met with a similar service of holding for the representative 's supervisor 's help and was not able to get answers. I was told I have a IDR application pending, which is not a viable solution given the extensive monthly payment for the following month. 

It was quite frustrating spending so much time waiting on the line to not get answers. I am now left with a large monthly payment without answers despite my due diligence in keeping up with application deadlines and monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed the accounts attached and uploaded with Transunion. However, they failed to investigate and initiated an auto stall tactic letter out to me on XXXX which is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXXXXXX XXXX XXXXXXXX was incorrectly sent to Credit Collection Services. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying Credit Collection Services that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, I spoke with XXXX XXXX and by the way I have spoken with him and his supervisor XXXX on several occasion and when I would ask them for some kind of paperwork or just even call my creditors, they said they have but when I spoke with my creditors, they never heard anything from XXXX XXXX XXXX, CDS. All three of my creditors are now in charge off and I asked them for my full refund because this company have not and did not do what they promised, I can be reached at XXXX and yes i have their number XXXX, thank you for your help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entrata INC has ran my credit report twice without my consent. 

First on XX/XX/XXXX XXXX on XX/XX/XXXX I was told by the leasing company that they wouldnt run my credit report as a guarantor of a lease and then a week later I get a credit inquiry. 
I called the leasing company and apparently they by mistake ran my credit report instead of someone elses.
Product: Student loan

I have been on Income-Based Repayment for several years, as I am a XXXX employee, and plan to use the PSLF program. I recently got married, which ( understandably ) increased my payment. I submitted my initial Employment Verification Form in early XXXX, and my loans were transferred from XXXX XXXX XXXX XXXX to FedLoan Servicing on XXXX/XXXX/XXXX. I was paying {$610.00} a month to FedLoan Servicing. When my IBR was due for renewal, I got a letter dated XXXX/XXXX/XXXX saying that if I did not renew my IBR, my payment " will increase to {$550.00}. '' Since this number was smaller than what I was paying on IBR, I cancelled my IBR and switched to Standard Repayment, expecting to pay $ XXXX. After my request was processed, my interest was capitalized ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and my XXXX statement was then reduced to {$590.00}. I figured this was slightly higher than the letter stated since interest was capitalized. I continued to be billed ( and pay ) this amount in XXXX. However my XXXX statement says I owe {$690.00}. I do not understand why my payment now went up, or why it was {$590.00} for two months. I believe that I should be paying the {$550.00} as stated on the letter I received XXXX/XXXX/XXXX. I called FedLoan Servicing twice to inquire as to the different payment amounts. After being put on hold 7 times by the first person I spoke with, and still not having any answers, I tried again the next day. The second representative told me that the letter dated XXXX/XXXX/XXXX must have been in error. He said that I would have a lower payment if I re-entered the IBR program. However, I now have to pay an increased amount for the next several months as they process my application. Since I am in the PSLF program, this is money out of my pocket that I would not have otherwise needed to pay, but for their misinformation. I would like this resolved because increased payments, which I did not expect, is a hardship that is caused purely by the incorrect information provided to me by FedLoan Servicing.
Product: Debt collection

I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was at work on XX/XX/XXXX when I was notified that {$160.00} was debited from my account and another {$100.00} was denied at a XX/XX/XXXX gas station in XXXX XXXX, Fl. This occurred at XXXX. I was at work in XXXX, Fl at the time I immediately checked if I had the card in my possession and I did I called Chime to report the fraud. As soon as they transactions cleared they said they investigated and there was no fraud. I was a victim to fraud and they are acting like I'm the scammer. I work hard for my money and it's only {$160.00} but it's the principle at this point if I had {$1000.00} in there like I sometimes do my account would be gone with no protection.
Product: Debt collection

Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX
Product: Credit card

I have a pending application with Goldman Sachs for the GM XXXX XXXX XXXX, I was approved ( I believe it was for {$6000.00} ) but my application is pending because they claim they did not receive a clear state ID. -- -- -- - I submitted a very clear and legible copy of my state ID, I read online that a covert way of discriminating against certain credit applicants is to deny them under the narrative that their document were not acceptable. -- -- -- I fear that I may be being discriminated against.
Product: Mortgage

This is an ongoing complaint against Wells Fargo Bank NA.this will be my last complaint to expose them on how they do business and take advantage of a situation to suit there needs and manipulate the rules to there satisfactions.
Product: Checking or savings account

On XX/XX/2023 XXXX charges from merchant XXXX XXXX  was made on my at the time bank of the west account which is now BMO bank. i had placed XXXX order online with the merchant which was shipped out to me in XXXX shipments so they had split the charge to XXXX since it was shipped in XXXX parts. charged {$2500.00} {$2100.00} {$350.00} the items were shipped back to merchant using XXXX tracking XXXX. Weighed XXXX lbs signed for by XXXX delivered on XX/XX/2023. you have XXXX  days to return anything with the merchant. merchant for a week said they will refund me and gave me the run around i never got the refund so i contacted my bank to file a dispute. i filed my dispute was told i would have a temporary credit in XXXX  days while they work on it. i never got that temporary credit and on top of that bank of the west now bmo bank ignored me for over a month i had to chase them down. after ignoring several emails by a supervisor XXXX and my so called fraud department agent XXXX i got sick and tiered and decided to write to there corporate and file a claim with you guys. i have still been chasing them down and have had no luck getting any answers from them. XXXX weeks ago i got XXXX answer from XXXX who re opened the case because they are claiming merchant said it has been returned/exchanged in. store but there is no proof of who or whom, did this what card a return or exchange was done on and i do not understand was it a exchange or return. they have been lying to me and since i did not fall for the lie they claimed to have re opened the claim which i highly doubt. i have no proof of that return exchange or who ever did it if it was done or how that could have even happened if my package clearly shows delivered and it transit at those times and merchant signed for it also. i am beyond angry and upset with bank of the west now bmo bank for treating me this way. i have my proof of return which is my tracking i should be getting my funds back to me instead of helping me they are ignoring me and not doing anything at all. it has been the worst experience and they are the worst bank who lies and treats their customers like XXXX. they have a full fraud liability and i as a customer am saying the merchant is doing fraud they received my merchandise and are not refunding me and my bank who is suppose to protect me who has my trust with my money is doing nothing and on top of that ignoring me at all costs. never bank with them i am so glad i did not take my XXXX business accounts to them because they way they get you to be a customer is all lies. the claim numbers with the bank is XXXX. XXXX. XXXX
Product: Debt collection

Upgrade charged off an account and did not close the account after advising fraudulent charges were done on that card XXXX XXXX charged off the account after advised fraudulent charges were done on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX  days
Product: Debt collection

I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.