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

1 ) the attached letter was a minor request at improving my credit. It may not affect my scores because it doesn't now. All I asked was since they are falling off relatively soon if they could be removed sooner, as they neither help nor hurt my credit. I got a blah response from XXXX  which didn't say much but they put on my report that I'm disputing the item which I'm not! I just asked to have them removed early as they're due to drop off soon anyway. They need to learn how to read and listen. They're terrible at both! 

2 ) XXXX  # XXXX- the limit on this account is incorrect. It was set at {$2200.00}. However with it showing the opposite with it appearing that I went over a preconceived limit that never existed, it looks like I was irresponsible and over spent! I did not. I was in a huge fight with XXXX  over a bad principal only purchase program they put in place that was terrible, neither they nor XXXX knew how it worked. They charged off the account, charged me a lot of unnecessary fees for things I shouldn't have been when they were pretty much paid off. They never correctly applied my payments either. This needs to be corrected now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was Credit Corp Solutions, INC. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX  to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX from The Equifax dispute department ( ID # XXXX ) informed me that although Equifax listed that the XXXX account was currently under investigation on my credit report, it in in fact was not. I have pulled my credit file every single day since XX/XX/XXXX ( when I filed the dispute ) through the Equifax credit product that I pay for and each time the account showed that it is still under investigation. I also spoke with a representative from Equifax in late XXXX who informed me that that dispute would be completed by XX/XX/XXXX. According to my records the Company did not respond and this account should have come off my credit report today. Additionally, each time I checked, I was prevented from disputing this item again because it showed that it was still under investigation. This is a recurring issue that I continue to have with Equifax. They have not investigated my complaints and the investigation notice on my credit file for this account has prevented me from being able to dispute it again. Additionally, I sent them copies of the letters that XXXX sent to the CFBP indicating that they do not have any account information matching my information.
Product: Credit card or prepaid card

I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; FXXXX 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 ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email from experian saying my score dropped 20 points but no information is given about why. When going on there website it actually dropped 34 points. There is nowhere in there site explaining way, there tel # is just an automated service with no live agents and when I finally find a number a can call they send me back to the automated service. I've been working very hard to bring my fico score to where it use to be and then this happens. Can you help?
Product: Debt collection

I called company to dispute this debt I did not have account number could not get through
Product: Mortgage

This is the NEVER ENDING STORY ... .told by XXXX XXXX XXXX 

Please note Page 3 of the attached document describes Shellpoint as a DEBT COLLECTOR. They have absolutely no rights, period, to conduct a foreclosure with a homeowner that's lived in the home since XXXX. That's almost XXXX XXXX with not missing one single payment. 

I want CFPB to start filing criminal charges on this organization for operating outside its allowed license and/or certificate that allows it to operate. 

The lender to the loan receives the insurance policy information that I've had on this home since XXXX. Therefore, I know better that a debt collector what is and is not required for my home... emphasis on MY home. 

I'm still looking for the laws that this entity operates in this capacity. It's a land grab and you ain't gettin ' my land or the home.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : TOYOTA MOTOR CREDIT XXXX and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My experience account One Main whom I've closed both accounts by paying both off recently the older account was a second mortgage that was open with the financial company XXXX and the account had been turned over to One Main or bought out I was never late the account is showing late payment it's hurting my business.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was notified via a phone interview with XXXX 's XXXX that, even though I was offered a position, my background check came back as " disrupted ''. XXXX 's XXXX screens candidates through the company " XXXX ''. 

I contacted XXXX as soon as I reviewed the background check and noticed inaccurate information regarding my criminal history. Under " XXXX XXXX '' ( source? ) the following information is incorrect. 

XXXX Level XXXX. XXXX XXXX XXXX. Charges a. Type b. XXXX I spoke with a representative of " XXXX '' to initiate the dispute process. I was given the dispute department 's phone number and a case number ( # XXXX ). The department was closed. I also notified XXXXXXXX XXXX XXXX of the former information.
Product: Payday loan, title loan, personal loan, or advance loan

I am getting XXXX  by this company, Spotloan. It was a website I looked into along time ago maybe five years ago but was shocked at its interest rates. I have emails from my past stating my XXXX  associated with their rates. They must have taken offense by it and are now trying to collect on this fake lain that was never signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  Amount XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with Transunion based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX  in collection by an agency called XXXX # : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with Transunion that I do not have XXXX XXXX, have never received a bill from the collection agency. Transunion responded that investigation was complete and I owe the amount. File number with Transunion is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor XXXX XXXX XXXX. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
Product: Checking or savings account

I have opened account properly with banker at branch, and were signed under their ads. I was requested to have more than 3 bill pays, mobile payment and e-statement to get total of XXXX  bonus. 

After I finish the requirement, they gave me XXXX bonus instead of XXXX they agree with. I've contacted over the phone and send secure messages, they confirmed I met all requirements but they told me I just have to wait, since the term said the bonus may posted up to 60 days. 

I have to wait as it suggested, now it turns out they did not honour the bonus as they promised over the phone, instead they closed my checking account, even there is still a balance of XXXX.on it. Before they close my account, they did not send me letter to sign and currently I have no idea where is the rest of my money are. I called their customer service and send secure message to them, neither of them are helping me but asked me to go to and only go to the branch where I opened my account, given the fact they have so many branches but they specifically requested I have to go to that only one account, that is annoying and really make me sad. 

As a XXXX, it would be really hard for me at this term to reach to them physically in the branch, so I tried call them and they said they could not help me unless I am in the branch. And even they could help me with my account, since the account was closed, they would not going to give me the rest of bonus money. I am really frustrated, I feel very bad about how they handle the case and kick me off from one stop to another, but eventually they ate up their words, not honour the term of the paper said. I have a clean record on XXXX on my banking side, I do not understand why they are doing it. It did say I have to have the account when the bonus arrived, but I did not close myself and I do have a positive balance, so I do not think they should close my account use that to term to against me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( Auto ) XX/XX/year>. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I get a overdraft fee everyday literally when transactions havent even cleared yet or even when im in overdraft protection program I just got XXXX last week and I had money in the account
Product: Credit card

Sam 's Club Synchrony Bank is my creditor and I have a credit card with them. The issue with them is that my account is not being reported to XXXX credit reporting. I have requested on several occassions for about a month now if the would please re-report or re-insert my credit information to XXXX because it some how was removed. As of today that has yet been completed and it is very irritating and harming my credit
Product: Student loan

ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. 
I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.
Product: Student loan

I am writing you today for assistance with Mohela regarding my Public Service Loan Forgiveness ( PSLF ) application. I have worked for non-profit organizations my entire career. This includes working with homeless teens, at a residential treatment center for young women in crisis, to now, working in higher education. In order to meet promotion requirements, I have had to complete both a XXXX and XXXX degree, which required me to take out student loans. 

In fall, XXXX, I consolidated my loans and applied for Public Service Loan Forgiveness ( PSLF ) with FedLoan. In XXXX, XXXX, my application was transferred to Mohela. I have XXXX eligible payments, but only XXXX have been confirmed and qualified. The other payments are from when I worked for XXXX XXXX XXXX ( EIN XXXX ) in XXXX, Colorado, from XXXX. XXXX was a 501 ( c ) ( 3 ) and completed IRS tax form 990 up until closing in XXXX ( see supporting documentation ). 

Under Employment Eligibility for PSLF, it states that the employer must be, A not-for-profit, tax-exempt organization under Section 501 ( c ) ( 3 ) of the Internal Revenue Code ( includes most not-for-profit private schools, colleges, and universities ). XXXX XXXX XXXX ( EIN XXXX ) was a 501 ( c ) ( 3 ) providing residential, therapeutic, and school services to young women in crisis. 

Mohela states that XXXX XXXX XXXX is undetermined as a qualifying employer with PSLF. This means that none of my payments made while employed at XXXX currently qualify for PSLF. This will not change until Federal Student Aid has changed XXXX status to a qualified employer. I have reached out to Mohela, asking what supporting documentation is required to change this determination, for over a year. They have not been able to provide me with a list of documents and can not explain why it is still under review, years after the Public Service Loan Forgiveness program begun. I have had to guess which documents will meet their requirements and wait for them to be processed to determine if they are sufficient. 

I recently spoke with a PSLF Specialist at Mohela. They need to determine if XXXX is a qualifying employer, which she said will take an additional six to twelve months. If they determine XXXX is a qualified employer, it will take an additional 90 business days to qualify my payments. Best case scenario, I am looking at an additional year before being approved and my loans forgiven, and then another 90 days for them to be discharged. If they require additional documents, it could mean even more months of waiting and guessing, probably end of XXXXbeginning of XXXX. This means at the very least, it will take almost two and half years from PSLF application to discharge of my loans, possibly more. 

For privacy reasons, I have included the Tax form 990 from XXXX the XXXX XXXX XXXX filed, along with a XXXX XXXX article with this complaint. I can send additional documentation, if needed. I have given the above documents to Mohela, along with W-2s, IRS tax transcripts, an employment certification form signed by the XXXX XXXX, and SSA income earnings statement, all from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.
Product: Credit card

FOLLOW-UP COMPLAINT regarding my multiple attempts to resolve this issue, CareCredit has refused to acknowledge my complaint, provide any of the requested information, or work towards any resolution whatsoever regarding this matter. They are now intentionally ignoring this issue in an attempt to forcibly and fraudulently default my account. They have already fraudulently lowered my credit limit to my previous balance after I made a large payment, then charged me fees pertaining to this dispute instead of resolving it in a timely manner so I could continue to make my payments as I initially expressed. Since I am being actively defrauded by Care Credit, I can not make any further payments until the issue is resolved. Care Credit is attempting to further penalize me an additional 30 % of my balance as per their original predatory agreement terms, but since they have defaulted on the original agreed upon terms I am unable to pay off the balance before this penalty due to their refusal to immediately stop defrauding and financially abusing me. I will continue documenting this until it is properly escalated and resolved, or I will file a lawsuit.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 The National Credit Adjuster Agency report to XXXX a False and inaccurate address in wich I never leave and the other problem was that the National Credit Adjuster never sent me a notification of such collection From XXXX XXXX of a collection of Surge Credit card