23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reported to Experian in XX/XX/year> XXXX credit cards on my credit report that were not mine and not even in my name. They came up as authorized user and I did not even have access to these accounts. All of this was disputed and explained and my credit has been so negatively impacted by this being stuck on my report and not being handled. My credit report is outdated and not even refreshed and doesnt even show payments I have made. This company is hurting me from opportunities by not looking into anything I have asked. I have disputed numerous errors and nothing gets resolved. It takes weeks to months to even get an update and there is usually no information as to what they even investigated or what concluded.
Product: Student loan

My complaint is that I worked at a university for 25 years. During that time I took student loans and attended classes. I was a single mother of XXXX  and the loans helped a great deal and I had hopes of finishing my XXXX XXXX. My children XXXX  had XXXX XXXX and they had to become my priority and dropping out of school was the only option. I made monthly payments for years and when I ran into financial problems I tried to get the payments reduced. XXXX XXXX income driven monthly payments were too high and I finally gave up trying. I am now XXXX years old and still owe student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Credit Acceptance Corporation located at XXXX XXXX XXXX, XXXX, MI XXXX almost every two months, starting in XXXX of 2020. There are numerous inaccuracies on all three credit bureaus being reported as far as the late payments and past due dates. There has been no changes in the way its being reported and is affecting my credit very badly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer of {$130000.00} to Robinhood to trade. 

I was told that by XX/XX/XXXX the funds would be available to trade. At the same time, I underwent verification of my ID for XXXX trades even though I've been a client of Robinhood for years. I was told today, XX/XX/XXXX, that my account is restricted and I am unable to make any trades until I provide further verifying information. 

I'm being asked for a selfie and a XXXX bank statement. This is where my troubles begin. 

Robinhood 's app is a nightmare and on mobile or desktop, I am unable to click and upload my statements. The only clickable button is a " Submit Documents '' button which says they've received my documents yet there is nothing there besides my selfie, no bank statements because I was unable to upload them. 

Their Customer Support line is also completely unusable as it is an automated AI bot that does not even let me type back to it. I will provide screenshots below. 

When my case was opened to verify my information- I requested a call from an agent and received 3 separate calls that did not even ring once before automatically disconnecting with no callback. I now no longer even have the option for a callback from an agent nor a telephone number to call. 

My roughly {$130000.00} are now completely frozen and I'm afraid of my money that I need being locked indefinitely as I've read from other users online. 

Thank you so much for your help.
Product: Student loan

I attended the University of XXXX from XXXX XXXX. 
With high-pressure tactics from the schools recruiter. They highly recommended that I should attend this particular college, and that all of my schooling would be fully funded, and they would help me find a great paying job from their Employment placement program. 

They mentioned even though they have the lowest tuition cost, and the highest graduation rates, I would not have to pay for my school loans until I found a job that salaried me at least {$50000.00} under their Employment placement program. 

Unfortunately, the school loan University of XXXX promised was fully paid for was not true. There were a few classes where my tuition ran short and I had to find the money to pay for it out of my own pocket if I wanted to continue my education. 

Moreover, the final cost of my school loans has grossed double ( due to high interest rates XXXX to what was initially owed. 

Due to lack of funds and a steady paying job, I ended up filling Chapter XXXX Bankruptcy in XXXX and XXXX XXXX back in XXXX. I completed the payment plan. 
During the court proceedings, I had to go through a XXXX XXXX to determine if I am financially unstable to payback my student loans as well as maintain a minimal standard of living. 

I was approved, and The University of XXXX was added to that Bankruptcy and was deemed as an Undue Hardship. 

When I pull up my credit report, Sallie Mae ( Now known as Navient ), and the U.S. Department of Education both show on my credit report as Included in Bankruptcy. However, it still show that I owe {$84000.00} as debt on my credit file. I even logged on to my Navient account and it still shows that I owe close to {$85000.00}. When I spoke to a Navient rep on the phone and explained to her that my dept was included in my Bankruptcy due to Undue Hardship. She said this was not true, and that no federal loan can be discharged in a bankruptcy. 

On my credit report, I have 11 closed Navient Accounts that show I have a balance totaling {$84000.00}. Then I have an additional 8 closed Navient Accounts that references the Navient account was included/discharged in my Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing on Supplemental Public Records & Residential Information is  showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and information.
Product: Payday loan, title loan, or personal loan

I purchase the XXXX XXXX  XXXX-2016. I have encountered several errors with the retainers that I received. I would like a reimbursement of funds due to the excessive amount of errors pertaining to sending the correct retainers. I am open for any reasonable reimbursement offers. I have included a letter from my dentist and the cost of the XXXX XXXX  and treatment.
Product: Credit card or prepaid card

So i paid off this account and after i paid if off, i notice that i received a bill the following month. This is when i noticed that i had paid off all of these charges that were never approved/authorized by me. It was the same company XXXX XXXX, XXXX XXXX, CA. I paid for a one time purchase for my daughter with this company. It was a charge of {$29.00}. A one time charge. After i paid this credit card off, i realized that i had paid off a total of like {$700.00}, of unauthorized charges by this same company, XXXX XXXX, in XXXX XXXX, CA. I called the credit card company, told them that i had never authorized all of these {$99.00} dollar charges to my account. I filled out all the paperwork that was sent over to me. Well this has been since XX/XX/2019. They closed that account, so vendor couldn't continue to charge me. They issued me a new credit card, but now decided to re-charge me for fee over again. At this point, i just want my refund. I was disputing the charges, but for them to charge me double why? This isn't fair to me the consumer. I already paid off these un authorized charges. I need a refund ASAP. IF i owed Citi, they would be pounding on my door. I'm so mentally exhausted over this issue. I have call maybe like thirty time. Every time, it's like an hour on the phone. Also their representative are so hard to understand, they don't speak clear enough English. I'm super tired of dealing with this issue, i need my money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I reported inaccurate XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX XXXX Equifax multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan with XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX  ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX ; * Account Name XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

on XX/XX/2019 a Loan company violated federal consumer financial laws by contacting my reference and releasing information about my debt, time of debt, amount of debt, and informed them about my credit score being impacted by said debt. I was informed that the number this loan company had on file for me was not up to date, and that is why they have contacted my reference, but I have legal rights and my information should not have been given out for any reason whatsoever.
Product: Credit card or prepaid card

XXXX XXXX, XXXX a credit charge of {$1400.00} from XXXX XXXX XXXX to my citi credit card was a fraudulent charge. I tried the dispute process and citi had issued a temporary credit. I provided all documentation while citi went back and forth with the merchant. This went on for about three months. I called citi when they sent a statement/communication stating that the dispute was closed and in the merchants favor. I explained all of the details, and the representative issued a XXXX credit. This still leaves my account overdrawn and over the limit. Now I am having a hardship paying the balance which is now over {$1800.00} with interest and is due the 20th of this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, XXXX XXXX XXXX XXXX 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 : 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  Account # XXXX, XXXX XXXX/ XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am consumer, submitting this complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX having received noticed that my Truth in Lending Act 15 U.S.C. 1602 credit card was suspended in violation of FDCPA 15 U.S.C. 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the... seizure... attachment, is lawful and the debt collector or creditor intends to take such action.

The debt collector As a result of unfair and deceptive debt collection practice I have been unfairly treated and impacted negatively by parties relying on unauthorized consumer reporting to organizations such as XXXX. XXXX XXXX XXXX is a debt collector engaged in deceptive, unfair and unconscionable, unauthorized practices in violation of the fair debt collection practices. The organization has improperly used the term XXXX in conflict of the Fair Credit Reporting Act and the Equal Credit Opportunity Act. 
The debt collector alleges a debt of XXXX deceptive in violation of 15 USC 1666d ( 1 ) in absence of requested verification by authentication or verfied judgement Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct debt collector ( s ), pursuant to FDCPA 1692e ( 1 ) ( 2 ) including XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to cease communication and desist use of personal information and any and all injurious negative information, as right to opt out. The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job and unable to work due to suspension of consumer credit device issued by state of florida XXXX XXXX. XXXX was instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ). 
XXXX XXXX XXXX is the original creditor. 
This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose.
Product: Vehicle loan or lease

Open road auto shared my information with XXXX XXXX and subsequently they did to XXXX without my approval. I applied to refinance my car in XXXX when they received my information but the issue in question is from XX/XX/XXXX and I did not apply for any credit then. XXXX XXXX gave me their information but I was unable to contact them after waiting on the phone for more than 10 minutes twice on XX/XX/XXXX.
Product: Credit card or prepaid card

I have two credit cards through come out. Victorias Secret and XXXX. Im unable to make any payments and it has been for well over a week now and you can not get in touch with Comenity. I dont want this affecting my credit score or to be charged late fees due to their system problems.
Product: Checking or savings account

As per earlier complaint # XXXX Huntington Bank ( the bank ) agreed to cash in CD without any early withdrawal fees. This is the letter sent to CFPB to verify this. At the bank XXXX XXXX filled out a withdrawal slip for {$25000.00} which I explained was incorrect. On XX/XX/2020 upon maturity the CD was {$26000.00}. Again the bank seems to use deceit and fraud on unknowable customers. Until some punishment is put this bank these practices will continue as business as usual.
Product: Money transfer, virtual currency, or money service

I was scammed by a merchant to purchase a merchandize online and pay through XXXX XXXX, however I was not given any product in return, the merchant has also disappeared and hasnt communicated with me. I have filed a fraud report with my bank but they have refused to acknowledge it and refund my money. XXXX XXXX has also refused to refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is causing me severe financial hardship because of their unlawful practicing. Under 15 USC 1681 Equifax has repeatedly violated my rights and I will forced to sue Equifax and the CFPB if these accounts are not deleted from my credit report. 15 USC 1681 states that I have a right to privacy. I did not give Equifax permission to report these accounts listed below. 

XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Debt collection

On XX/XX/2016 XXXX XXXX states that I owe them {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the fact that Citi did not remove this late remark that completely violates the FCRA. 

I have contacted the Consumer Financial Protection Bureau and the Federal Trade Commission because your company is reporting me 30 days past due from the {$450.00} membership fee that was placed on my account in XX/XX/2020. 

When I initially applied for this card, the {$450.00} fee was automatically going to be taken out with the checking account information I provided during the application process. I even contacted Citi and was told that no minimum was due at the time, NOT even the internal membership fee. 

This is not a true representation of my payment history as I did not spend one penny on this account before your company reported me 30 days past due. This is against my consumer rights to report information based off a fee that Citi applied to this account. Especially, when this was scheduled to be paid when I applied for this card. 

Your company CAN NOT report me 30 days past due! I was never informed by your company of ANY membership fee that was going to be applied when the card opened. How can your company report a fee on this account when XXXX NEVER used it. How can your company report me 30 days past due when I never used the card? This is completely unethical and I need further explanation.
Product: Mortgage

In XX/XX/2020 during the initial onset of COVID-19, I called PNC and specifically asked how forbearance would affect my credit reporting because I was skeptical about entering into a forbearance program. The agent told me on a recorded line that the loan would be marked " paid as agreed. '' Based on this information I entered the forbearance plan. During the forbearance plan period, I continued to make regular payments as usual. It turned out that I was able to get an emergency loan and I did not need the forbearance plan at all. After 3 months, I exited the forbearance plan and continued to pay the loan on time as agreed. 

Today, my credit report shows my PNC loan payments for XXXX, XXXX, and XXXX marked as " No data '', with only the XXXX payment " Paid as Agreed. '' In addition, the loan account falsely continues to have the remark " Affected by a natural disaster. '' As a result of this, I have been denied a new home loan. 

PNC lied to me about how forbearance would impact my credit reporting. I know for a fact that other companies are not reporting forbearance in this way. I used forbearance as a safety net, made regular payments and exited the program as quickly as possible, and PNC believes I should suffer with a scarlet letter on my credit report for that.
Product: Mortgage

Mr. Cooper address. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. Another address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I have a mortgage with XXXX XXXX. The Mortgage insurance company is Nationstar. Nationstar apparently changed their name to Mr. Cooper. Nationstar is the mortgage insurance company protecting my mortgage loan. I was assaulted twice and it was necessary to take a leave of absence from my job. It took XXXX years to recover from my injuries. I filed a claim with my mortgage insurance company. I am being denied my insurance policy coverage. I am reporting insurance fraud. Case number in court is XXXX XXXX. Discrimination and abuse by the Judges handling this insurance buyout.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXXXXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

I want Equifax to state if my account was one of the accounts involved in the lawsuit. My Equifax credit score is substantially lower than XXXX and XXXX by XXXX points using the XXXX XXXX XXXX XXXX Because of this substantial difference I was given higher APR on my vehicle financing resulting in a higher monthly payment. Further, the information on all three credit reports are the same this their credit scoring model seems odd, which leads me to believe that my account is one of the accounts involved in the coding error fiasco in XXXX. Further, Equifax is primarily used in other factors such as housing which can result in denial of housing credit products and housing.
Product: Credit reporting or other personal consumer reports

It is of highly importance that you are aware and f XXXX accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry was not authorized, please remove from my report. 

Discover Bank Inquiry from XX/XX/2018 2018