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

Account name XXXX XXXX Account number XXXX To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with XXXX and Experian. The account in question is an account listed with XXXX, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. Using the law as stated, i have tried to get Experian and XXXX to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXX ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, Experian, and XXXX  for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX  ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX  status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, Experian, and XXXX, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, Experian, and XXXX  credit reports. 

Thank you. 

XXXX XXXX
Product: Credit card

In XXXX 'Discover It ' opened a credit account for me with a credit limit of {$2000.00}. I was paying $ XXXX month through my credit union checking account autopay service for approximately 9 months. When I attempted to charge some products at a local retail store, my Discover card was declined, resulting in my confusion & embarassment. 
I telephoned the company & was informed that my account was closed because I had failed to " verify '' my identity by responding to an email the company had sent me several months ago. 
Looking through my emails, I found an email from some other company I never heard of asking me to complete an IRS form. Since I hadn't recognized the company asking for my personal information, I thought it was a scam & hadn't answered the email. 
I informed the representative of Discover that since I did not know that Discover was trying to verify my identity, I had ignored the email thinking it was a scam. It was an honest mistake on my part that was unrelated to my payment history or creditworthiness. I requested that my account be reopened, in light of the fact that I had never missed a payment. Discover refused to reopen my account, but advised me to continue making payments because of an outstanding balance of {$1500.00}. 
I have continued to pay my bill on time, but I reduced my monthly payment from $ XXXX. to $ XXXX. 
In XXXX Discover increased my minimum monthly payment to $ XXXX, with interest rate of approximately $ XXXX. I sent 2 autopayments, one on XX/XX/XXXX for {$50.00}, & one on XX/XX/XXXX ( Discover 's closing date ) for {$10.00}. Discover charged me {$30.00} in late fees because the due date for my payment was XX/XX/XXXX. I called the company & was informed that although the statement closing date was XX/XX/XXXX, there is no 'grace period ' between the payment due date & the closing date, & that my {$10.00} payment was late. The company did agree to waive the late charges for this month. But my minimum payment due on XX/XX/XXXX is now {$65.00}. 
I do not believe Discover has been dealing with me in good faith. First, a sneaky attempt to get me to reveal personal information to a third party that neither Discover nor the third party informed me that it was acting as an agent for Discover. Second, closing my account without informing me of the reason, resulting in my confusion & embarrassment when I attempted to use the card at a local retail store. Third, refusing to re-open my account, which was in good standing, because I chose to be careful about revealing personal information to Discover 's undisclosed agent via email. Fourth, I am paying a variable APR of 28.24 %, 20 % + over the prime rate set by the federal reserve on a credit card which I can no longer use.
Product: Payday loan, title loan, personal loan, or advance loan

This company Garnished my check without a court order, I have no idea if it is legitimate to garnish a check without a court order. I checked the reviews and is says this scam company. I am over XXXX XXXX XXXX and don't know what to do
Product: Money transfer, virtual currency, or money service

In XXXX, I dropped my phone while riding a motorcycle. This cracked the screen, making the phone unusable. Unfortunately, this phone carried an the authenticator used for 2 factor authentication. I went to their website and tried to get help, but only received to same robo-responses for hours. After begging for attention on social media, I was able to finally able to contact a human. I submitted the documents they requested for ID verification on XX/XX/XXXX and was able to log into my account. 

However, the problems didn't stop there. On XX/XX/22, I tried to withdraw funds and received a message that my account was restricted. I was told I needed to verify my ID again, which I did. My account was still restricted, so I went through the verification process numerous times without getting access to my funds. Once again, I went through the same process as above, begging for help for hours on social media. I am now waiting for some type of response. 

The reason it feels like I am being scammed is that I am still able to add funds to my account freely, but am locked out if I try to withdraw anything. If my ID is truly in question, everything would be locked. This is truly some of the worst service I have ever seen and I want to resolve things as quickly as possible.
Product: Debt collection

XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX XXXX {$1300.00} XXXX CARD / XXXX / {$4200.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX XXXX {$0.00} XXXXXXXX XXXX / XXXX XXXX {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this wish Transunion and they would not take care of the negative inquiries listed.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 or other personal consumer reports

sent letter about dates and companies that inquired on my report that I did NOT authorize. 

the companies that I didn't authorize is XXXX  XXXX XXXX on XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I send this company my address and id and a bill with my address on the bill
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my with my experience, where Experian has neither contacted nor disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a late to my XXXX XXXX account that I should not have. I tried multiple times to get this paid over the phone and online but their website was not working and would not accept payment. They kept giving me the run around and by the time I was actually able to pay a late had already occurred. I would like this late removed as it was not my fault.
Product: Credit reporting or other personal consumer reports

XXXX was a hard inquiry on my credit report. I contacted them to find out it was a company out of XXXX The company stated i did not have any account under my name. Yet someone tried to use my social to open a card with this location. The application was denied for information issues, but still is a hard inquiry on my account. Now i am in the process of disputing this on all credit bureaus for fraud, and put a fraud alert on my account.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICAN EXPRESS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I changed homeowner insurance companies recently, but before the insurance company contacted my mortgage company XXXX Carrington Mortgage XXXX the mortgage company paid the old insurance company. The old insurance company sent me a refund check for {$1200.00}, the amount it had been paid. To return the full amount XXXX {$1200.00} XXXX to my escrow account I made a regular mortgage of payment of {$420.00} and added the {$1200.00} of the insurance refund to the regular payment. I indicated that the additional {$1200.00} was to go to escrow by using the blank marked escrow, on my payment stub. All this took place during the month of XXXX. The payment was to be the payment due on the first of XXXX. Towards the end of XXXX I checked online to see if the payment had been processed. It had been processed, but incorrectly. The mortgage company had taken the entire amount and put it towards future payments. Thereby, making only a very small amount go to refunding my escrow account. I called their customer service department and tried to work through what had happened and how it would be corrected. I was assured they would correct the problem. I asked to be notified when the problem had been resolved, but was told " we do not notify anyone in situations like this ''. After arguing with the person for several minutes, and them speaking with their manager, I was told that in this instance they would let me know when the correction had been made. After waiting several days, without being notified, I checked online again. Some changes had been made on the escrow amounts, principal amounts, and interest amounts, but it was all still incorrect. They still had the {$1200.00} spread out like several mortgage payment, and with incorrect amounts. So, I called yet again. This time I spoke with someone named XXXX and explained what was supposed to have happened, and what they did wrong.We determined they still needed to move {$840.00} back from principal and interest payments and into my escrow. I was again assured they would take care of it. I asked again to be notified when the changes were made, and was told the same story as before. After a heated argument I was assured I would be notified when the changes were made. As of today, XXXX/XXXX/2015, they have not corrected the problem. Instead, they have only changed the amounts again. Now the escrow account is owed {$550.00} of the original {$1200.00} that was sent to strictly be placed in escrow. The {$550.00} in question is still listed as addition payments to principal and interest. I was tempted to call yet again, but fear I will only end up with the same results. I need someone to please help resolve this matter! I 'm at my wits end. At best, this seems like pure incompetents on the part of the mortgage company. At worst, it seems like right out fraud. I did n't have a choice when XXXX Mortgage sold my mortgage to this company. If I had, I would still be with XXXX. This problem, along with all the horror stories I have read about Carrington Mortgage, have not provided me with much security. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 9 months to correct my credit report and score with hours on the phone, reporting, mail etc. I CAN NOT GET HELP! 

According to Equifax, my score is lower because of late and or delinquent credit cards. I DO NOT have ANY late or delinquent credit cards. They won't fix it because they can't do a dispute because I don't have anything specific to correct. 

I am including a screen shot showing the incorrect information and a copy from the Equifax site showing I DO NOT have ANY late or due payments. I don't even have a credit balance. 

PLEASE HELP!
Product: Credit card

I opened a XXXX XXXX XXXX based on promises that included rewards. 
If card was used to make XXXX in purchases outside XXXX I would receive XXXX reward points to be used at XXXX XXXX These purchases had to be made with in the first 90 days. Also, I was promised XXXX rewards points for puchases made with the credit card in the XXXX store or on the XXXX platform. 
I created an account online so that I could pay on my credit card. I used the card and then I went to use the card and found that it had been locked. XXXX told me that there was an error when I input my bank information to the payment portal, we corrected this issue and we reprocessed the payment, which paid the card in full. The card was unlocked. I used the card again with no issue. However, the next time I went to use the card again it was locked. XXXX told me that it would be locked for 90 days due to the error I made when inputting my banking information. 
1. My payment, when I made the error of bank information, was not a payment that was yet due. 
2. The error was corrected, payment was processed properly and the account was paid in full. 
3. A refund was placed on the account due to a return to XXXX, and that money is being held hostage. As I am not able to access the funds. 
4. With the card locked I can not take advantage of the 90 day XXXX rewards points offered if I use my Credit Card outside XXXX. And I can am not able to take advantage of the double point off when I use my Credit card at the XXXX store or online Store. 
5. This is a scam. Offer me something and then with hold the tool that I need to gain the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in college in XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

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

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX 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: Debt collection

XXXX XXXX Ohio has been trying to collect a debt that I know not to be mine. It has been passed along to various creditors that I have had to dispute each time. Reason given : My name appears under many addresses That I have not resided. The last creditor to take possession of this debt is : ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX. 
XXXX NC. XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Mortgage

On the evening of XX/XX/XXXX after business hours, we received a letter XXXX  in the mail from PHH mortgage company in the mail stating that the rating of our home insurance company had dropped to a XXXX  rating. They consider this rating too low and stated that we would have to switch to a new insurance. The letter also stated that due to this lower rating they did not send a payment to our current carrier from our escrow account. The policy expired the next day on XX/XX/XXXX. We called the next morning and were told that this was their policy. We were also told that if we had a lapse in coverage we would be placed on a Lender placed policy which only covers the structure. We asked what this coverage would cost and were told that they would let us know after we secured new coverage. We attempted to contact a couple of carriers and discovered that this was going to take some time. So we contacted our current carrier and paid out of pocket to maintain the coverage we already had in place to protect ourselves home and assets. Due to the fires in California and a previous claim were unable to secure a new policy for XXXX weeks. 
During those 2 weeks and even after I have called PHHs Insurance division to appeal this process. During those calls I was told the our Insurance companies insurance rating actually dropped in XXXX of XXXX. And that PHH received our renewal information from California XXXX on XX/XX/XXXX. Sitting all year on the information that our companies rating had dropped and not informing us of that or their intention of not allowing in the future is something that they should have shared in a more timely fashion. Waiting for the renewal and then sending it the slowest possible way to inform us seems intentional and a way for them get more money from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit card or prepaid card

XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.