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

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX XXXX XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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: Credit reporting

Transunion does not report my payments AGAIN!!! 
Last payment the TU reported on the credit report ( see attached ), =was XXXX/XXXX/XXXX. 
The Transunion reports incorrect balance, the correct balance is {$360000.00}. But TU reports that my balance is {$360000.00}! 

This happened repeatedly since XXXX. 
I was successfully disachrged from BK CH XXXX on XXXX XXXX. 
On XXXX XXXX I started to work on my credit reports, and I noticed TU does not reflect accurately and fairly my mortgage payments on the reports. 
( attached reports from XXXX ) In XXXX XXXX, I filed official complaint with Attorney General for District of Columbia, who helped me to deal with TU. Only Transunion does it. The TU repeatedly does stops to report my payment for mortgage what I do monthly! -- andit happened in XXXX XXXX, XXXX XXXX, in XXXX and XXXX. 

I attach supporting documents in evidence of their unjust and unfair treatment and harassing me. 
Please help
Product: Debt collection

XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
Product: Vehicle loan or lease

On my XXXX report the loan is XXXX paid yet on XXXX it is listed that one, the account was closed in XXXX of XXXX  which is incorrect, two the amount saying that is owed is incorrect and three there is clearly and error somewhere and according to to sub-title 15 USC 1681 I need this removed from my credit report and if its not I will be seeking legal counsel and damages for said mistake and error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX  's at XXXX XXXX XXXX XXXX Florida which uses Synchrony Bank for their credit cards. I Bought A ring and 2 days Later returned it on XX/XX/XXXX. I handed it over to the Fine Jewelry supervisor like your suppose to. XXXX took it. I originally lost the receipt of returning it. XXXX the manager called me a liar said he looked on video and told me I put it back on my hand. This is NOT true. They for some reason put the ring in my husbands name - We were together but have different last names. this was a {$2400.00} XXXX Later went on sale for XXXX. But after I brought it home I decided I didnt want it. I didn't look right. I was going nuts trying to find the receipt for returning it. Once I did. I emailed it to the manager XXXX, And all of sudden it was there. They have been trying to rip me off for a long time. I contacted Corporate and was promised XXXX gift certificate for all of my inconvenience XXXX XXXX - Have not got anything. 
On XX/XX/XXXX I was back in the store Ask for XXXX. I had a very expensive pair of XXXX shoes never worn cost over XXXX They are Too Large. I tried my best to exchange them and they would not let me. So they are useless. I have already paid for all of this and my husbands clothes we bought there already. Didn't have my shoes so had to order them online. This whole ordeal has been a nightmare. Someone needs to help me. They are still saying I owe for this ring.
Product: Mortgage

Date : XX/XX/year> Amounts : {$200000.00} Company : XXXX XXXX XXXX Description of the Issue : I am currently refinancing with XXXX Bank, and XXXX XXXX XXXX is the escrow company responsible for disbursing the funds. However, {$200000.00} has still not arrived, despite 11 days having passed since the signing of the closing package. The delay is due to my friend 's bank, XXXX  XXXX XXXX ( XXXX ), placing a hold on the check, which XXXX take XXXX business days or longer to release. We were unaware that XXXX would hold the check, and it seems the title company was also unaware of this potential issue. I had repeatedly requested a wire transfer, but due to communication issues, the title company ultimately mailed a check. 

Dates and Actions Taken : XX/XX/year> ( Thursday ) : XXXX completed ; requested wire transfer from the title company. 
XX/XX/year> ( Tuesday ) : Received a check instead of the promised wire transfer. 
XX/XX/year> ( Wednesday ) : Check deposited at XXXX XXXX XXXX ; informed of a hold on the funds. 
XX/XX/year> ( Friday ) : Contacted the title company and XXXX XXXX XXXX for clarification; was informed the hold could take XXXX business days or longer. 
Additional Information : I had informed the title company that my friend was traveling internationally and would not be able to receive the check. Despite this, they agreed to wire the funds but still mailed a check. The check was supposed to be sent out on Friday and received on Saturday, but it was not sent until XXXX PM on Friday, missing XXXX 's pickup. It was then sent on Monday and received on Tuesday. 

Impact : This delay has caused significant financial inconvenience, as the funds are stuck and I am incurring double interest payments on both the mortgage and the loan with the original lender. XXXX has informed me that the funds will be released on XX/XX/year>, if no further information is needed, but I am uncertain if this will occur on time.
Product: Checking or savings account

On XX/XX/2021 I deposited multiple checks to Bank of America ATM located at Bank of America Financial Center XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ( XXXX ) XXXX I deposited multiple checks issued by the Oregon Unemployment Department. 
The total sum of deposited checks was {$6500.00}. The ATM malfunctioned and went black before completing my transaction and ate my ATM card. 

I called Bank of America that day and several times the next day to clarify the incident. I was sent to the fraud department that mailed me a new card. When I finally reached someone who filed a claim for the missing checks I was told I would receive a replacement check by mail within 10-20 days. 

As of XX/XX/2021 I have not received any replacement checks by mail or reimbursement to my account. My account is now overdrawn due to Bank of Americas fault. 

I am writing to collect the {$6500.00} in checks that have disappeared as Bank of America has given me several conflicting stories on what happened to my funds. 

I called today, XX/XX/2021 and the teller said I should have received a credit while my claim was processing. I am waiting to hear back from BOA claim department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a personal account of what happened to myself, but an account of what TransUnion and XXXX is doing in response to the XXXX data leak. Bottom line is congress needs to step up and make freeze and thaw free under federal law. 

TransUnion is trying to " persuade '' customers to enroll in their product TrueIdentity by redirecting clients who are trying to put a freeze on their credit through webpages that are misleading and aimed at convincing the client to enroll, rather than freeze. XXXX is doing the same with their product called XXXX XXXX. This practice by TransUnion is described below : " If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in TrueIdentity. '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in TrueIdentity '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit. '' Fortunately, I was not affected by the XXXX data breach, however, I am not one to stand by while others are taken advantage of during a crisis like this one. If you 've read this far into my message, then thank you for your consideration.
Product: Credit reporting or other personal consumer reports

Re : Debt Validation Request To Whom It May Concern, I am writing regarding an account, which Midland Credit Management has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that Midland Credit Management has the legal right to collect this debt. Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me. 
XXXX. **Proof of Ownership** The purchase agreement between XXXX XXXX  and Midland Credit Management XXXX 
XXXX. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied. 
4. **Proof of Licensing** Verification that Midland Credit Management is licensed to collect debts in my state ( California ) XXXX 
This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX took money from XXXX bank ( Charles Schwab checking account ) but didnt get any money. XXXX told me need took XXXX days, then without any solution but took away my another XXXX dollars, they know my XXXX level low, but do not give me any help
Product: Credit card or prepaid card

I had a {$300.00} limit credit card with Capital One that was charged off in 2018. The debt was sold to a XXXX party debt collector. My credit report still shows the account with Capital One, with a new entry for non payment added every month. When I try to contact Capital One by phone I am transfered to a voice-mail for what I assume is the XXXX party debt collector as soon as I enter identifying information. I am not able to speak with anyone at Capital One. Since Capital One no longer owns the debt I believe my credit report entry showing a balance with Capital One is in error. Please assist in addressing this matter, as this entry on my credit report has made it impossible to rent an apartment despite having sufficient funds.
Product: Credit card or prepaid card

I applied for an American Express XXXX gold card through a solicitation I received as a result of being an XXXX platinum elite member participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. May be my wife? Or Business account? The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that he could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to review my application and inform me in more detail the reason it was declined.
Product: Student loan

Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. 

Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. 

My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. 

This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX  Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the XXXX, a XXXX XXXX XXXX  credit account was fraudulently opened in my name without my authorization. I previously filed a complaint ( No. XXXX ) regarding this issue, which Ive attached for reference. 

XXXX Bank assured me that the fraudulent account would be removed from Experian within 60 days, but that deadline is nearly up, and the account is still visible on my report. 

On XX/XX/XXXX, I attempted to dispute this account with Experian directly, but the dispute was declined. Over the past XXXX years, Ive made multiple phone calls to XXXX Bank in XXXX, XXXX, and XXXX. Each time, I was told the account had been removed and that I needed to wait 60 days for Experian to reflect the change. Unfortunately, this has not occurred. 

To provide further context, Ive attached a screenshot of my Experian report showing the account is still active. 

From my initial call in XXXX until now, I have been waiting not just 60 days but over 700 days for resolution. 

Please address this issue urgently, as it has caused me significant hardship.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit report
Product: Debt collection

I started service with XXXX XXXX XXXX but was mislead by the selling agent to switch from my at the time carrier to XXXX XXXX XXXX. I was promised so much and got none of the things promised including a less expensive plan than what I had currently had. They had sent me new phones to complete transaction. This forced me to switch back to my old carrier and send them their equipment back. I did and called to follow up to make sure their equipment was delivered. I had sent back by USPS with the following tracking numbers for ( 3 ) phones : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX They were sent back to XXXX XXXX XXXX fulfillment center. According to the representative they had received all equipment XX/XX/XXXX in which they adjusted my amount owed to {$370.00}. But soon after I kept getting billed for the equipment. On XX/XX/XXXX they called and said I had owed {$1800.00}. I called and spoke to a representative on XX/XX/XXXX at XXXX XXXX  and stayed on the phone for 16 minutes trying to get an understanding. They were being rude and obnoxious to me saying that I owed this amount. I finally was able to speak to a manager how looked into my case and seen they received their equipment and made the proper adjustments. They told me to call back in 15 days and this will reflect. So here we are in XXXX of XXXX and this company had sent sold my account to a debt collector by name of XXXX XXXX in Utah. So I called XXXX XXXX XXXX to just on XX/XX/XXXX and let the agent know I was recording and stayed on the phone for over and hour to get them to fix and contact the debt collector of Prince Parker who has been harrassing me for a bill that's not owed.
Product: Student loan

I and my wife have Direct federal loans for graduate school with MOHELA. Earlier this month I logged in to confirm auto payment was setup and the amount was correct, and it was the same as it was when we last paid in 2020. On XX/XX/XXXX I received an email they had " updated '' our XXXX plans. The letters in their system both show XX/XX/XXXX but if you open it, it is dated XX/XX/XXXX. They had us both set at the exact same rate which was double what it was before. Her repayment starts on XX/XX/XXXX and mine on XX/XX/XXXX. 

Upon looking into this, what happened to me ( and essentially EVERYONE in this situation, if you look on their XXXX or for example this XXXX XXXX : XXXX : XXXX ) is they processed every conversion from REPAYE to SAVE as if they were a single borrower with a family size of 1, yet used the married AGI for income. You can easily show this by entering the information in the studentloan.gov sites calculator as if you had that AGI but were single and getting the number they came up with. 

On Monday XX/XX/XXXX I spent XXXX hours and XXXX minutes on hold, only to have the guy tell me I was in the wrong department and he had to transfer me. He refused to answer more questions about which department, what option I did wrong, etc. I sat on hold another XXXX minutes before having to leave. On Tuesday XX/XX/XXXX, this morning at XXXX XXXX, I was able to get in pretty quickly, have the staff agree it was a mistake, recalculate it themselves and come up with an amount closer ( XXXX still XXXX $ higher each, when this plan is supposed to be cheaper, despite the AGI for our family essentially being the same ). Because this is so soon before our payments are due, they also were putting us into a forbearance to avoid next week/week after payments at the much higher rate. 

We are both on Public Service Loan Forgiveness plans, and per their site here : https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service # qualifying-payments administrative forbearance for collecting supporting documentation should count as qualifying payments, however MOHELA was saying they wouldn't. 

But for the actions of MOHELA in both A : not properly calculating the amounts and B : not attempting to do this until 11 days ( XXXX business days ) prior to the due date, I would have made a payment and gotten PSLF credit. I don't feel we should be penalized/negated due to their mistakes. 

Furthermore, after all of that hold time, there is acknowledgement on my account that an IDR recalculation was submitted, but not on my wife 's. Neither have anything about forbearance and both still show we are paying the ~double price next month. I'm hoping with time this corrects but I really don't want to have to call back. 

MOHELA is clearly not ready for payments to restart, as demonstrated by the dozens of people replying to my comments on reddit in the exact same situation, not to mention the hundreds of other posts I saw on their and XXXX saying the same.
Product: Vehicle loan or lease

Skopos Financial has claimed that i still owe money on my vehicle loan. My loan was for 81 months started XX/XX/year> and my loan term has expired. I already have the title to my vehicle and my title doesnt show a lienholder.