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

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / CBNA, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXXXXXX XXXX XXXX on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through XXXX XXXX.
Product: Credit card or prepaid card

my sears card was completley paid off, i contacted sears and was advised of the balance in an effort pay off total balance, one month later after paying off card, sears sent a bill for XXXX $ in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to correct the negative information you reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

Applied for capitalone platinum credit for applicants with excellent credit. Upon approval interest rate was 2 times more than should be with excellent to exceptional credit Supervisor stated that interest rate was not based upon my stellar credit and stated it was a fair rate. I inquired if the had lower interest credit cards and he replied yes. I asked why my stellar credit history and credit score of XXXX did not qualify and he again stated it was a fair rate. Excellent to exceptional credit scores are well below the almost 30 % interest rate they were tagging to my card. I am quite sure that level of credit should qaulify for best deals available. This was not a fair rate based upon the metrics that should be used to extend credit. This matter needs to be investigated to the fullest. My credit is neither being built or rebuilt it has been established for XXXX plus years.Card was not issued yet but details of approval arrived via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my PII which has led to a breach that puts myself and millions of others at potential risk. I am disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it due to my line of work I am currently in : XXXX XXXX.
Product: Student loan

There has been significant misinformation between the StudentAid.gov website as well as MOHELA, my loan servicer, affecting thousands if not more individuals including myself. 

Currently, there is information published on the Studentaid.gov website, stating that any loan income recertifications prior to XX/XX/XXXX will be pushed out one year from the recertification date. ( https : //studentaid.gov/announcements-events/covid-19 ). My Federal Student Aid income recertification anniversary is XX/XX/XXXX, and it was XX/XX/XXXX on MOHELA website. They recently changed my date to XX/XX/XXXX. 

Currently, my payment has been {$470.00}, and on XX/XX/XXXX, my next pending payment for XXXX has increased to {$3300.00} and I have been placed into standard repayment, despite the above information stating I should not have to recertify my income until XXXX. 

I have spoken to MOHELA call center employees multiple times as my account information has not updated. Now I am being forced to recertify despite Federal Student Aid information as well as experience significant increases in loan payments. I have received conflicting data almost every time I have spoken to MOHELA. However, on two occasions, I also spoke with supervisors, and they assured me that my loan recertification date will be pushed to XXXX and my payment will stay the same. They advised to just keep watching the dates on the website. These dates of these conversations were XX/XX/XXXX as well as XX/XX/XXXX and yet still nothing has happened. I have also spoken with MOHELA again today, XX/XX/XXXX and they advised that because the system is not up to date, they will not honor the income recertification push back for any individuals. This is unfortunate that individuals have to suffer hardship and high loan repayments, simply because the MOHELA system is not correct or up to date. 

I have spoken with the FSA Ombudsman on XX/XX/XXXX, they also agreed that my loan recertification date should be pushed to XXXX per the FSA website and there is a current investigation pending # XXXX ( submitted XX/XX/XXXX ) and XXXX ( submitted XX/XX/XXXX ). I still have not received any information regarding these two submitted cases from the Federal Student Aid Department, despite being submitted 3 months ago. 

I believe this change is not correct and I have requested my payment and IDR plan to return to the XXXX and SAVE plan, with an IDR Anniversary date of XX/XX/XXXX, in accordance with the Federal Student Aid website. 

Thank you for your help
Product: Student loan

I have tried for the last 2 years to get this resolved. I did the XXXX loan and I was told that because my loans are more than XXXX XXXX XXXX that they would be forgiven. I have done everything I can to try and pay back what I can. In XXXX, I was told to pay a certain amount and I did and the the company disappeared. I have been out of school since XXXX working in the Non profit and doing public servant worked and told my loans would be forgiven. This has caused my credit to be low and me not to be able to apply for loans or home mortgage. 

Now, recently, My data was exposed in a data breach. All my information. So, please help me by telling mw what I need to do. I will not be able to pay these loans back but I have completed the applications where I worked for several company completing XXXX  of hours. I was told this would be taken care of and today I still have over {$100000.00} in student loan debt.
Product: Debt collection

JEFFERSON CAPITAL SYST XX/XX/2023 {$290.00} XXXX This company has not provided any information validating this debt 15 U.S.C. 1692g ( a ) ( 3 ) ( 15 USC 1692 et seq. )
Product: Credit card or prepaid card

Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies
Product: Checking or savings account

Ive had you have some issues with Cash App several times where there is some transactions made and charged my account. I dispute them and they immediately denied My Disputes, for instance, one of the what size did not exist, or do not have a customer support, so there was no way I can contact him to get reimbursed.those places they were charging my account Were trying to charge different amount and a period of 3 to 5 days and they finally got an amount when I realize it. I reported to cash app, I reported my debit card lost, because they denied my disputes immediately, I never have gotten the money back and then just keep happening. Just happened with different vendors. I have pictures of the charges service Some charges I have immediate cancelled subscription and they denied refunding even when was cancelled the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX Capital One bank is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cashier check was sent to Capital One with certain stipulations. I have contacted Capital One regarding this matter and also filed a complaint. Capital one did not honor the agreement and also sold the account to another creditor while I had a written agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may Concern I made a payment on XX/XX/18 to Mulit financial in the amout {$310.00} and it wasn't posted.. After making several calls to mulit fimcial without any success i reached out to XXXX XXXX XXXX XXXX  who hold my mortgage for help. 

At that time a employee from XXXX reach out though email to see why the payment wasn't posted. Not until XXXX got involved the next day my payment shows. 

When ask why it took so long for payment to shows 20 days later from payment date no answer.. Now payment is showing as if it was posted correctly on XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

I recently receive a copy of my credit report notice I seen I have fraudulent activitys
Product: Checking or savings account

My husband put something on line for sale and the guy he spoke to, said he wanted it and to take it down. He sold it for XXXX. A few days later we received a cashier check in the amount of XXXX. I deposited into my account and the next day we sent money to his driver. Who was to be picking up the item along with other items along the way. We sent it XXXX to XXXX and we took pictures of the receipts and sent it to him. I just happened to check my account and it was in negative for XXXX. So I went straight to the bank and spoke to someone and the person gave me a fraud case # XXXX. I did everything they told me to do, because they do their own investigation. I also did a police report case # XXXX. I did a police report in XXXX NC, because that's where the person live and they know the XXXX he picked up the money from. At the bank I was told that if the investigation shows fraudulents to my account I would get my money back in my account. When they finished the investigation, they said it was fraudulents against my account and they will keep my account open Because they have insurance for fraudulent on a customers account, so the bank doesn't loose money. But that was not the case, they took my money and turned around and took my whole XXXX check for XXXX. I spoke with the supervisor and she was very rude. She told me I was responsible for the negative amount in my account. I am victim in all of this. Before all this happened I had XXXX and my XXXX check XXXX I was with out money for 2 months, this has been very stressful for me. This is my second time putting in a complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Debt collection

On XX/XX/19, I received a total of 38 calls on my mobile number, along with 24 calls to my familys my members home phone number, and they had repeated told comenity that I was not living there yet repeatedly called. They also were very rude and gave them my personal info. In regards what the matter was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in data security, they allowed a data breach to occur in XX/XX/XXXX and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Student loan

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

Summary : Purchased flights on XXXX for two passengers on XX/XX/XXXX. 
Cancelled the flights for both passengers on XX/XX/XXXX. 
XXXX refunded the purchase total in full to my credit card used for the purchase. 
To date, the refunds have not posted to my credit card account. 
<br> Credit card is Shop Your Way Mastercard issued by Citibank. 

After waiting 10 business days for the refunds from XXXX to post, a credit card customer service rep advised us to open a billing dispute to launch an investigation. Separate billing dispute case IDs were opened for each passenger 's airfare. 
<br> Billing dispute Case IDs : <br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active<br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Closed <br> This case was closed with no resolution - credit card issuer claimed that they did not receive additional supporting information but I did send complete documentation multiple times via online upload and fax <br> XXXX ( reopened case of XXXX ) <br> Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active <br> Currently, there have been no resolution from the credit card company. We have so far only received letters from them about the following : -2 disputes opened<br> -2 requests for supporting documentation and a form to fill out, sign, and return<br> -1 dispute resolution ( for case XXXX ) <br> -1 dispute reopened ( as case XXXX ) <br> -1 request for supporting documentation and a form to fill out, sign, and return<br> I sent the credit card company supporting documentation multiple times via upload on their website. On XX/XX/XXXX, I also faxed them this supporting documentation which are attached to this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX a # XXXX paid in full an outdated paid on XXXX/XXXX/XXXX
Product: Debt collection

I am not liable for this debt with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : XXXX
Product: Checking or savings account

There is fraud going on with my chime account. I had XXXX XXXX dollars transferred to my savings on XX/XX/XXXX, which was taken RECENTLY from my savings, and the transactions showing the transfer have completely vanished. There seems to be no trace of where it went at all. the account seems to be tampered with to make it seem like my money was NEVER in my savings, only checking 's. I have not spent {$XXXX}. Also there is disputes that have been opened an closed that I did not authorize. i will have to contact an attorney and report chime to the XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that World Finance report new corrected information to update my credit file to XXXX for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/ and XX/XX/ and XXXX has listed someone named XXXX XXXX from World Finance Corp as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but XXXX is waiting for the updated information from World Finance Corp in order to remove the World Finance account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to XXXX. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to XXXX. There are XXXX active complaints in progress for XXXX XXXX with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT WORLD CONTACT XXXX AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through XXXX have been unresolved as XXXX is stating and I quote " World Finance is stating information on XXXX report is accurate '' XXXX XXXX listed as contact for World Finance Corp. XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at Worl Acceptance Corp and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the XXXX credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. World Finance and XXXX have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment