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

On XX/XX/XXXX I disputed an account reported by XXXX XXXX and XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section611 ( a ) ( 5 ) ( b ) ( II ), you are required to notify me of the reinsertion in writing within five business days. 



( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer IF any information that has been deleted from a consumers file pursuant to subparagraph ( a ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means, available to the agency. 



I receive no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX This is the company that has called me about a apartment I never lived in saying I owe them i gave them my address at the time and how long I lived there and I never lived in XXXX Alabama and they checked my credit twice without my permission then told me they had the social security number wrong but I am stuck with not one but two hard inquiries while trying to repair my credit.
Product: Student loan

I am on an income-based repayment plan for my loans. MOHELA is my loan servicer. 

I am on the IBR plan, which requires yearly income recertification or else I get kicked off the IBR plan. If I get kicked off the IBR plan, the interest immediately capitalizes as required by statute. MOHELA told me that my recertification date is XX/XX/XXXX and that, if I don't re-certify, I'll be kicked off IBR and onto the standard repayment plan. The interest will then immediately capitalize on my loan balance because Congress required that in the statute passing IBR in XXXX 

However, after telling me that I have to re-certify before XX/XX/XXXXXXXX MOHELA told me they can not and will not process my recertification paperwork due to direction from the Dept of Education. So, I am being simultaneously told to re-certify or I'll be kicked off my IBR plan, and also that they will not process my recertification paperwork before the due date. They will not allow me to do the one thing that I have to do to stay on the IBR plan. This violates the contractual terms and conditions of the Master Promissory Note that I signed when I took out my federal student loans.
Product: Debt collection

I am repeatedly, for months, contacted by Firstcredit Services. They call nearly every single day, for months, and leave no message about what the call is about. 

Because of the fear of telephone fraud, I don't answer any call where I don't recognize the number/caller, that I'm not expecting, know who the caller is and why they are calling. 

This company never leaves a message about why they are calling. I have no idea on whose behalf or for what supposed debt they are trying to collect. The only reason I know that they are a debt collector is because I looked them up.
Product: Student loan

The first email I got from Nelnet was on XX/XX/ with my first statement since payments resumed. The amount was {$380.00}. I called them and waited on hold for 2.5 hours, once I talked with someone I changed my payment plan from income driven repayment to the extended graduate program. She told me my payment would be {$160.00} with a small fee for changing my payment. I got a statement for {$190.00} on XXXX I made the payment on XX/XX/. I got an email stating that I needed to call Nelnet and confirm the change of my payment plan on XXXX I called again and waited another 3 hours, but I confirmed the change. On XXXX  I got an email with my billing statement that said my payment due was {$550.00}. I called Nelnet on XXXX I waited for 3 hours before I talked to someone, and I was on the phone with the lady for 45 minutes. She assured me repeatedly stating that the problem would be fixed and that I could check Nelnet.com again in a few days and the payment due would be changed to {$170.00}. I asked her for some sort of email confirmation that stated that my payment was changed and that my payment plan was changed to the extended graduate program. She said they were unable to do that. She again reassured me that the problem was fixed. I looked today on XX/XX/ because my bill is due on the XXXX. I logged in and my payment due is still {$550.00}. I logged in to student student aid.gov and it is still showing that I have an income driven repayment plan. I am currently on hold with Nelnet for the fourth time and have been on hold so far for 47 minutes.
Product: Student loan

I enrolled in XXXX  school in downtown XXXX Wisconsin  in XXXX I got XXXX dollars I had another check but I never returned someone cashed the second check I tried several times to get information about filing a complaint hang ups no answering the phone or recording sound like a conspiracy here I've lost a lot through criminals working for the government I I'm inheriting this mess from my mother XXXX XXXX fraudulent government funds being. misused I've looked for information on blowing the whisle no one addressed this corrupted country I will be looking into. this situation
Product: Student loan

I have numerous XXXX loans that I consolidated years ago at XXXX. While working my government job, ( over 10 years not ) I found out that there was a program that repaid you federal loans. The requirements were 10 years gov't service, 120 on time payments, in good standing, and qualifying loans. So roughly around 9 years ago I called ACS to verify that my loan with them qualified. I was informed that yes it did. All I had to do was make sure I made the 120 payments. I am almost finished doing that and found out that there was a way to have PSLF program check the information on me and give me an exact date that they will be taking over the payments. I received a letter of their findings and was informed that my loan with ACS ( my XXXX loans ) in fact did n't qualify. I told them that there must be some kind of mistake because I called to check years ago to make sure they did qualify and was informed that they did. I was told by the people at PSLF program that I now need to transfer my loan to a direst loan and make 120 more on time payments to qualify for the program. I explained to them that I was already doing that, and was almost done. They told me that even though it was from the Dept. of Treasury, it was n't the right loan type. Even though I was already told it was, it did n't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are not in compliant to the fair credit reporting law by the act of improper use of my reports. the inquiries below are not recognized nor authorized by me. 


XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was recently contacted by a collection agency. 

I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. 

They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. 

They need to stop this trolling behavior. 

What can your organization do to help?
Product: Vehicle loan or lease

Ally Financial was the lender used to lease a vehicle from a XXXX dealership where I was told the car would be mine to own after 4 years. I got all the insurance and protection they made me get to protect against damage and I was told it was for maximum mileage. I was not show all the paperwork and the process was rushed along without answering all my questions. The I paid the lease off for the full term and ended up paying much more than what the car was worth! When I returned the vehicle I was told by the Dealer and the Bank that I did not have any more payments to be concerned with. I chased them down for months to try and get a copy of the lease, which they never sent me. after much discussion with the dealer they finally gave me a copy as they were withholding the facts to force me to buy another car, when I was initially told by them that the car would be mine after the lease term and that I would probably even get money back. Ally Bank really deceived me and now I find out that they are trying to charge me another XXXX dollars for a car that I already overpaid for! I do not owe them any money and this debt that they are reporting on my credit report is nothing more than an attempt to bully and extort me of for more money. I do not owe them anything, and the law states they are violating my rights to privacy by reporting this on my credit report. I am a XXXX XXXX  injured during the war in XXXX. It is a shameful thing that they would be doing this to me, and they call themselves and Ally?
Product: Credit reporting, credit repair services, or other personal consumer reports

I deferred my mortgage payments for the months of XXXX and XX/XX/2020 by calling chase bank customer service. I was approved because I needed to travel out of country. But now they are reporting it as negative for XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase inc online at coinbase.com since XX/XX/2021 I have no more access to my funds. No matter how much correspondence I send to Coinbase to allow me access. No matter how many times i send them picture of my id and picture of me holding my id. Coinbase rejects my id verificatuon everytime, day after day since XX/XX/XXXX and on. 
I can not retreive my miney nor talk to anyone at coinbase. Its robbery with a digital excuse. 
Coinbase doesnt take phone calls or publish a customer service phone number, every communication to be done by email with a week for an answer. It continue on n on without resolution. 
TOTALLY DISLOCATED SUSYEM, ABUSIVE and SWALLOWS PEOPLES HARD EARNED MOMEY.
Product: Debt collection

My debt is to XXXX I gave notice to cancel service in XX/XX/2021. They continued to charge me. We all know one may not continue service, we would be disconnected after a month of non payment. The hardware was not working, which I gave them notice but they continually charged me. Apparently 2 months after I moved I was charged installation fees as well. I was pretty much homeless. I moved my address to a relatives so I could receive mail XX/XX/2021. Midland Credit has simply refused to acknowledge my calls. I will not give my social security number for the sake of security. They ( several employees ) refuse to work with me after I've given them the account XXXX XXXXXXXX. 
This is ridiculous, at best. I've tried to reason, as I think, possibly, the new tenants may have used my name to continue service. Now, my wages are being garnished for equipment that is out dated and didn't work and the account should have been closed months prior. 
I'm willing to agree to {$250.00} for the services I MAY have owed but no more. I'm being financially XXXX. Midland credit management is a disgrace. If they were a reputable company they would have sent the information I had asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, XXXX " has violate 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 This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.
Product: Credit card or prepaid card

I filed a dispute for overcharging me by dumpster rental company. They provided proof of tonnage that does not have any of my info and my credit card Wells Fargo refused to investigate it and closed the dipuste because I signed a contract for the service. I tried to explain to them that the fact that you sign the contract does not mean that the compamy can charge whatever theh want.
Product: Debt collection

I was first contacted about this alleged debt via a voicemail from phone number XXXX on XX/XX/2020 at XXXX XXXX. The caller, who identified herself as " XXXX XXXX '' of " XXXX XXXX XXXX XXXX, '' claimed that there was a case against me submitted to her. She used this particular language to scare me, as " XXXX XXXX XXXX XXXX '' is actually called MCU Holdings. I called the number back immediately, identifying myself and telling her not to ever contact me via phone again or attempt  to collect any debt, as she was attempting to represent herself as being a legal agent, which is a violation of my FDCPA rights. Despite this being recorded on both of our ends, she instantly called me back, another violation as such rights. It is important to note that this was the first time ever being contacted about this alleged debt, and no one had ever sent me any sort of written communication telling me what is owed, who the creditor is, or even that I have the right to have the debt validated. 

Also, this is shady as well, but they attempted to identify themselves as " XXXX XXXX '' and " XXXX XXXX XXXX XXXX, '' and I only learned their real organizational name by calling after hours to get their voicemail since I couldn't find any information online about either of those entities.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9700.00XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Landlord at XXXX XXXX  in XXXX, ND attempted to continue collecting monthly rent payments for an apartment after already terminating lease and evicting me only about halfway through the original lease term ; charging me rent for the remaining months which I was no longer living there and was locked out of the unit. Landlord then gave this debt to the collections XXXX UNITED ACCOUNTS INC and the collections agency has gone on to engage in an act of debt parking, which is a violation of FCRA and FDCPA regulations. This debt parking tactic has caused great hardship for me - preventing me from renting apartments and finding housing, preventing me from getting approved for any type of loan or credit, and causing significant financial obstacles for me.
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 3 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 corrected for erroneous reporting in my file are listed on my credit report U S DEPT OF EDXXXX XXXX XXXX : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX XXXX : {$200.00}
Product: Mortgage

I have a loan with NSTAR/COOPER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NSTAR/COOPER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Product: Credit card or prepaid card

I used a XXXX issued by Wells Fargo to pay a fence company for services rendered. The XXXX said that I would be charged 5 % of the amount for which the check was written. 
I wrote the check for {$3200.00} for which I would be charged a fee of {$160.00}. When I went on to look at my statement, it showed {$3500.00} owed. I called the fence company to see if I accidentally made the check out for the wrong amount to which I did not. 
I called Wells Fargo 3 x 's to try to remedy this and they told me that the fence company charged me an additional {$300.00} for paying by XXXX. I called the fence company back to ask them if that was the case, IT WAS NOT THE CASE. 
Wells Fargo has charged me an additional {$300.00} and will not correct this issue. 
I believe they are perpetrating fraud on my account to get more fees!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, was impacted by the " Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The accounts and inquiries I have listed in this FTC report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Take a look at the documents provided. I am urging the bureau to start an investigation into these accounts, given that I have a flawless record of on-time payments, yet they are misrepresenting me as late.
Product: Debt collection

I have filed three disputes through their website and sent my dispute via email two times. I have documentation showing that there is no debt owed as my final balance and register was paid. I attached documentation to each email and to the web portal with emails back-and-forth from the property manager showing that I owed is XXXX balance multiple months after I had moved out and that they in fact owed me a refund- national credit has never responded to any of my disputes. Will not return my phone calls and is hanging up on me when I call in.
Product: Debt collection

I spoke to the iq dated international agency, which is the company who took over the alleged debt. The issue was that my mom broke the lease of a place when I was a minor and they are tryingn ti say that I owe them because I was over the age of 18. since then, we figured out that the issue was that my birthday was incorrect and listed that I was older than my age at the time of the breaking of the lease with one of the credit bureaus, so since then Ive gotten it fixed and spoken back to the IQ data international agency since. When I did they also told me to send proof of my birthday, which I did to the email that was provided by the man who I was speaking with on the phone. He told me that it would take a couple weeks and its been a couple months and Ive called back and have not been able to get anything changed. I was a minor and could not have signed the lease so legally, the debt is not mine. The collection is already on my moms credit so Im not sure what else to do. I need t I need the collection taken off because it is not mine. It is making it difficult to get an apartment and get a car because that collection is on and is dropping my credit score. I have even went up to the apartment complex twice to talk to them to see if they have any record of it to show the improve that I do owe them anything they dont have anything in their system. I even called their corporate and they couldnt give me any of validation date. Its Really frustrating because I have disputed this with XXXX over five times which I have proof of and proof of me sending the information to the agency and also disputing it with XXXX and XXXX.
Product: Credit card or prepaid card

After 21 years of being a member of USAA & after twice them sending offensive " automated correspondences '' to me - I want to settle this account & close it. Finally got them to close the account - after two weeks & profanity laced emails. But now they refuse to budge with a settlement. I have now asked for a complete AUDIT of my account. 

I 've been lied to and offended to no end. USAA also needs to be retrained with regard to " Best Practices. '' I have two correspondence I wrote to USAA 's Executive Council, that I would like to forward to CFPB. 

Any help in getting this account settled would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

someone used my information to get utilities in my name without my permission and never paid the bill.