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

I have proof that my personal information has been compromised/breach through Equifax, XXXX, and XXXX. 
I never gave any of those companies written or verbal consent to disclose my personal information.Now my credit is in shambles and Im being sued by debt collectors!
Product: Credit reporting or other personal consumer reports

I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with CommonBond. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX  CommonBond. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Product: Credit reporting or other personal consumer reports

XX/XX/ Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report number XXXX. Per the following screenshots from my XXXX credit report ( see attachments ), you claim that I have three XXXX XXXX federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my two open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$20000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$700.00}
Product: Checking or savings account

On XX/XX/year> I had a savings CD with XXXX which matured on Sunday, XX/XX/XXXX. On the website under my account, there was no balance information listed so I needed to confirm the balance over the phone with the XXXX representative. 

I spoke with XXXX XXXX XXXX, an XXXX representative on XXXX XX/XX/year> to confirm the balance of my CD and prepare for a wire transfer to another bank. XXXX XXXX XXXX verified the balance of the CD which was {$200000.00}. I was told by XXXX XXXX that there was no fee to send the wire to my XXXX XXXX XXXX account. 

On XX/XX/year>, the wire was attempted but not completed. I received a phone call from XXXX and the representative XXXX XXXX informed me that there was an error on the wire form and that XXXX XXXX  XXXX ( the receiving bank ) sent back the funds and deducted a {$45.00} fee from my balance. After hanging up the phone with XXXX XXXX , I contacted XXXX XXXX XXXXXXXX to confirm the charge. The XXXX XXXX XXXXXXXX representative I spoke with named XXXX told me that XXXX XXXX XXXXXXXX no longer charges fees for wires which can not be completed due to an error on the wire form. 

XXXX deducted the {$45.00} fee themselves and did not disclose this on any paperwork because it was an unauthorized fee which I was not told about beforehand. When I tried to view my statement and balance information on the XXXX website, no information was available. XXXX did not want me to have any record of the {$45.00} fee or the wire amount on their website when logged into my account. 

I am attaching screenshots from the company website as evidence that there is no information available on my online account - nothing in statements, detail, balance, or wire information. I am also attaching a copy of a wire form XXXX sent me in which they are trying to represent the {$45.00} fee as coming from XXXX XXXX XXXXXXXX when XXXX XXXX XXXX did not charge the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to freeze my credit report with Experian. They claim that they could not verify my identity and are requesting that I mail them a bunch of personal information to confirm. I feel that they are attempting to prevent me from freezing my credit easily. I also do not feel comfortable mailing these documents with my information on them, which defeats of the purpose of trying to prevent identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX 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 Bankruptcy XXXX XXXX XXXX
Product: Checking or savings account

I am in dire need of assistance regarding a distressing situation I am facing with Revolut, a financial technology company. For nearly three months, Revolut has been withholding my funds ( {$160000.00} ) without providing a clear reason or any substantial updates on the matter. 

Here is a summary of the issue : Account Hold : My Revolut account has been on hold since XX/XX/2024. Despite numerous attempts to resolve the matter, the situation remains unchanged. 

In-App Notification : When I access the Revolut app, there is a notification as of XX/XX/XXXX stating that my account will be closed down. Additionally, it instructs me to withdraw my funds by XX/XX/XXXX. 

Withdrawal Block : Despite the instruction to withdraw my funds, a hold still exists on my account, preventing me from making any withdrawals. 

Customer Support : I have contacted Revoluts in-app chat support multiple times. The responses I received were inconsistent and unhelpful. I was informed that the in-app notification was a " technical glitch '' and that my account was still under review. However, this contradicts the in-app prompt indicating that my account closure is imminent, which I trust far more than some random chat support agent that has told me to simply be patient ( after already being given dates that have not been met/fulfilled ).

Given the prolonged hold on my account and the lack of transparency and support from Revolut, I am deeply concerned about the status of my funds. 

I would greatly appreciate your guidance and assistance in resolving this matter. Specifically, I am seeking help with exploring any possible actions to ensure the release of my funds. I can provide any additional documentation or information you may require to assist in this matter. Please let me know a convenient time for us to discuss this further. I am looking forward to your prompt response and assistance. 

Thank you very much for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This XXXX point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 Equifax, XXXX, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XXXX 2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for XXXX drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX  Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Product: Credit card

I got the following email from Chase this morning '' We have processed your request to change your e-mail address, based upon the information you supplied. 
Beginning immediately, we will send all future e-mail messages to your new e-mail address. You may want to review your Alerts delivery profiles to make sure future alerts are sent to the correct addresses. 
If you did not request this e-mail address change or have any questions, please send us a secure message from your Secure Message Center Inbox. " I actually did n't change my password, so I wanted to login my account to send a secure message. But my online access was suspended. So, I call Chase fraud department, they just changed my email back, and told me I need contact the customer service department to reactivate my account. After work, I waited for more than XXXX minutes to talk with a representative. She told me I need go to a branch. But the nearest branch is XXXX miles away. I asked what 's wrong with my account, she refused to tell me the details. It does n't make sense I need drive XXXX hour round trip for an issue I actually did n't do anything. I continued to ask if I can still use my current credit card, and it there a easy way to resolve this issue. The representative did n't answer my question, and told me that 's all she can help and disconnected the phone call. I never saw such bad customer service before. I have spent more than XXXX hour on the calls totally, but so far, I did n't even know what happened to my account. If some hacker changes my email every week, should I drive to the branch XXXX miles away weekly? That 's ridiculous.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was checking my credit report, and found that I have a collection account, just on my Experian credit report, there's no collections on my credit report anywhere else. Please investigate this matter and update or delete this collection account which I did not recognize. I did not received any proof that debt belongs to me.
Product: Student loan

I was let go from work on XX/XX/22 which affected my ability to make any payments moving forward due to delays with XXXX XXXX and stress finding a new job. I called Sallie Mae twice in early XXXX before my next due date ( XX/XX/22 ) with my co-signer to try requesting forbearance as my co-signer who is my mother, lost her brother and had to cover funeral and medical costs for him. I explained this to Sallie Mae and asked to speak with a supervisor and they finally said you do qualify for a program. Upon being transferred, I was then informed that I would still need to make payments to bring the account up-to-date in order to enroll in the program. I explained again that I am not working and not receiving ANY income and they refused to help me. I would have to make a payment of {$460.00} in order to move forward. I was able to accrue this amount despite not working and co-signer also facing financial difficulties and they still said they could not fulfill my forbearance request because Im not in school or an intern and that I would still be required to make some form of payment regardless. This also happened last year and during the pandemic where they were unwilling to help with my request to temporarily stop payments due to financial circumstances.
Product: Credit reporting or other personal consumer reports

I have asked Comenity Bank and XXXX several times to fix the issue on my report showing that I have two XXXX accounts. They are showing one ending in XXXX and another ending in XXXX. The one ending in XXXX should not be open and is a fraudulent account. I only have one XXXX card and that is the XXXX ending in XXXX. The one ending in XXXX is a closed account that is fraud.
Product: Credit reporting or other personal consumer reports

My last complaint was XXXX Now im having problem with the scoring system. 
I already try to use less then 11 % ratio to 31 % ratio. 
But the scores still stay the same. 
Now i have been paying for a membership for these XXXX reporting agencies. 
I already tried to speak to the fraud department about my concern : they gave me the XXXX  score aga\ency. 
To their understanding they get the report from the credit agency and do a final score. 
now I use to have high numbers, now i stay the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a fraudulent account not belonging to me. I have disputed this account with all 3 credit bureaus and Equifax will not remove this account after submitting identity theft report and police report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to pay an account via online banking through her Chase checkings account. In the Payee dropdown, I accidentally selected an old XXXX XXXX XXXX credit card account that has been closed for 7 years and sent an amount for {$500.00}. On XX/XX/XXXX, Chase initially opened up a claim and indicated that they would refund within 3-5 business days. However, this did not happen at all in which I called back on XX/XX/XXXX, where XXXX XXXX XXXX stated that they need proof of payment faxed to them and they provided a fax number of where to send it. On the same day, I called Chase back with the fax number for them to send the letter, which they advised would take about 3 business days to complete. She talked to a person named XXXX  and she provided Reference # XXXX. On XX/XX/XXXX, a letter was sent by Chase indicating that the inquiry has been resolved. This led to me thinking that the money would be refunded, but that was not the case. I called Chase again on XX/XX/XXXX. I discovered from Chase that the " resolution '' was simply sending the fax over to XXXX XXXX XXXX, and not a refund. On XX/XX/XXXX ( the same day ), I called XXXX XXXX XXXX   indicating that Chase sent the fax. XXXX XXXX XXXX stated that they can not locate the funds and would need the account number and trace number from Chase. On the same day, I called Chase to acquire the account number and trace number. With that information, I called XXXX XXXX XXXX again and provided the account number and trace number to locate the funds. XXXX XXXX XXXX was able to identify and track down the funds, but stated that since the money was applied to an account that did not belong to me, theyll need a misapplied payment letter from Chase requesting a refund. I called Chase to ask for that letter, but the manager at Chase said they no longer do that anymore.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX number XXXX Collection Agency year 2021. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief.
Product: Checking or savings account

I opened up my account with chase on XX/XX/2020. I signed up online and selected to have my promotional {$200.00} coupon to be added automatically while creating my account. on XX/XX/2020 I called to ask why I hadn't received the promotion and they told me it was not on the account. I was informed there was nothing they could duo. I remember the coupon code was automatically generated prior to me enrolling so I know it was an error on there end.
Product: Credit reporting or other personal consumer reports

Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you XXXX XXXX XXXX didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable? 

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right??

So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXX $ pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. My usual check uncovered discrepancies that were completely unexpected. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries persisted. Im asking that you carefully review the documents I've provided to ensure this issue is resolved permanently, as its causing me significant concern.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have a checking account with a bank name Current i recieved two stimulus checks to this account unknowingly the money sat in the account for over 8 months In XXXX my account was charged XXXXXXXX XXXX  numerous times collecting all the funds from my account i now have XXXX XXXX  in my account The bank is saying they see no fraud in the transactions but every charge have been fraud to my account