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

I took a loan from Upgrade back in XXXX to pay some bills and such. The amount was {$500.00}. Halfway through the loan they stopped and did not allow me to use the loan that I was entitled on using. So the loan went into payment mode. So I have a loan that I barely used and was not allow to utilize and started paying for the loan as agreed. Upgrade reported my account to the credit bureaus and that resulted in my XXXX XXXX to decrease. The loan was paid on time and again on XX/XX/XXXX my account was reported as delinquent and my XXXX XXXX decreased by XXXX points. The reason is unknown. This is the worst company that I have ever dealt with.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. TransUnion, XXXX, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Product: Checking or savings account

On XX/XX/year> at XXXX an email was received that Self Credit Builder Account was going to be closed without providing any reasons. Furthermore, I as the consumer have already invested {$2200.00} into a " Credit Builder account '' with a {$300.00} deposit for a " Self-Credit Card '' with a {$2000.00} limit. 
On XX/XX/year> I had lost my wallet and reported the card as lost to Self-Credit Builder both by email and phone call. I had to send bank statements verifying my identity and copies of my driver 's license that was now lost, fortunately I had already scanned copies of the driver 's license. 
On a subsequent phone call, the representative assured me that they are sending a new replacement " Self Credit Card ''. 
Now on a XXXX XXXX XXXX XXXX they are closing my account? Only providing a window of time to respond of less than 3 hours? 
Now, on XX/XX/year> I contacted Self Credit Builder on the phone and I am informed that the account was closed without providing the reasons. I did receive a email asking if I wanted to keep the account open so, I responded. It appears that they already have began closing the account without my authorization. 
Now, this company is refusing to refund me {$2200.00} in a timely manner. 
THIS COMPANY IS A SCAM.
Product: Student loan

My loans were discharged under the PSLF program which resulted in a credit refund due to me : {$6100.00} on XX/XX/year>. Please see attached statement. I never received the refund. MOHELA says the Dept of Education issues the refunds. The Federal Student Aid Office ( previous complaint ) sent me back to MOHELA, whom I can never get ahold of and the only response I received via email is that I need to make payments because interest is accruing during ( during a time of forbearance ).
Product: Debt collection

In XX/XX/XXXX, I noticed a few items on my credit report that were unfamiliar. I challenged the bureaus and disputed some of the items with the creditors. One creditor in particular, Diversified Consultant, has inserted, removed and reinserted several accounts on my report in an attempt to collect a debt that does not belong to me. I observed on one of the letters, that my name was inserted on a bill dated from XX/XX/XXXX - XX/XX/XXXX. This was the first discrepancy that caught my eye. I've been requesting validation from this company for two months and they finally responded with a forged document ( bill ) dated a month prior. How is this possible that I'm fighting a collection company on a bill or debt that's not even 30 days old? 

Then they sent a letter shortly afterwards saying that the account with their office would be closed. 
I checked my report again and lo and behold, Diversified Consultants, again reporting this debt on my report. Only this time, they changed the account number. and sent a similar bill with my info photoshopped again.I 've disputed this account with the credit bureaus, to no avail. I'm not sure how this is even legal, but I decided to complain here as another option before I consult with an attorney. Also, now they are reporting the debt as XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I took out a loan for XXXX # XXXX at one location apparently the location was closed without my knowledge and the account was given to another location where the account # was changed to XXXX and the date of the loan was changed to XX/XX/year> while working on my account I disputed by asking for a XXXX and the company responded no XXXX was need because the account was charge-off for XXXX and under XXXX then I Disputed because of The inaccuracy information that this company was reporting on my credit I called the company to file a dispute And the employee Was rude and told me that she would email me the dispute information XXXX XXXX hours which I never received the original amount opened XX/XX/year> # XXXX was removed and the information came back verify I would like to know the verification method used to verify this account I know that under XXXX that it is against the law to report fraudulent information on XXXX 's credit report
Product: Vehicle loan or lease

In XX/XX/2012 my auto payment ( {$400.00} ) was returned because my account information changed after my card was stolen. I paid the amount and the next payment due as soon as I knew about it but they still reported it as late. I never had any other late payments with them and even paid early sometimes. It was just a fluke that that particular payment was returned and I would like it removed from my credit report. I called Chase to see if they would forgive the late charge but the rep said they could not.
Product: Credit reporting or other personal consumer reports

There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from XXXX for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, New Jersey Police Department on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

XXXX and TransUnion, as well as one of the original creditors XXXX, have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies including that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus and XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by XXXX XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. 

The XXXX account in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.
Product: Credit card or prepaid card

Credit applied to account on XX/XX/21 before billing cycle payment due on XX/XX/21. Barclay 's charged {$28.00} late fee, plus they failed and refused to apply credit to account to reduce the total among due or refund the credit or REFUND directly to me.
Product: Credit reporting 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Student loan

My loan was purchased from XXXX by UHEAA, and it has been nothing short of a disaster. A number of customer service problems and servicing issues. However, the one that needs to be fixed is that my paid-up status ( approximately 1.5 yrs ) was not transferred, making it difficult for me to take advantage of employer based payments on my loans ( would fall short of the minimums ) without having to pay out of pocket. It 's now been 6 months since the purchase of my loan and they are still 'working on ' a solution that should be fairly straightforward. I did not choose to go to UHEAA, I was moved there because they purchased my loan but they are not keeping to the parameters outline when I originally agreed. They have had to put my loan in forebearance, which means I can not access the employer program ( loan must be in good standing ). I have called approx. 10 times over the 6 months to get this corrected, and still no luck. Even worse is that it is approximately 1 hr wait time for each call.
Product: Prepaid card

On XXXX XXXX, 2016, I requested a refund of my prepaid card 's balance since I had issues using it at a merchant. The customer service agent said I should receive a paper check for {$200.00} in 10 business days. 

On XXXX XXXX, 13 business days ( excluding the holiday ) later, I still have not received the refund check. Upon calling customer service, they said it may take up to 30 business days. The discrepancy between the original call on XXXX XXXX to what I was told on XXXX XXXX is alarming and give me great concern as to when I should expect to receive the check. It is a XXXX Prepaid Visa Gift Card, " distributed and serviced by Blackhawk Network, California, Inc '' ; according to the back of the prepaid card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX : XXXX Experian : XXXX XXXX : XXXX The wrong status is being reported LATE PAYMENTS BEING REPORTED XXXX XXXX XXXX XXXX : XXXX Experian : XXXX Validate Account XXXX XXXX XXXX XXXX : XXXX The wrong status is being reported REPORTED LATE ON XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One account open account settled and closed. Yet still wrongfully reporting amount due
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 I placed a dispute through XXXX  that my credit card balance with Target Redcard ( TD BANK ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that Target REDCard reported with the same inaccurate balance. 

I tried calling Target REDCard customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.
Product: Vehicle loan or lease

I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX. 
On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX. 
XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended? 
I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false and fraudulent addresses to my credit report XXXX XXXX XXXX XXXX XXXX North Carolina XXXX It also reports as a single family residence that Ive never resided at The zip code does not match the address and location of this fraudulent activity
Product: Money transfer, virtual currency, or money service

I went to bank of America and spoke with XXXX XXXX a financial advisor I told him I want to invest conservative and I wanted money payed to me monthly and I wanted XXXX and XXXX stock he took XXXX out of my checking account from bank of America back in XXXX 2018 the next day I was losings thousand of dollars I had a fit and wanted to close my account he sed relax it will be AL wright as a mater of fact don't look at the account anymore I promise you wont lose your money well I did loose money I have all the papers I have talk to his manger no luck. he miss handle my account very badly I have witness that heard me say I want XXXX and XXXX and maybe XXXX I got only a few share I should have had more then that also wen I need money because this was to give me monthly payment to live on he began to be sassy own ill sell this which would money until I sed why are you selling that I would have lost about three thousand more I also found out he did not invest me conservative he when more aggress anther agent told me that they wont give me my money back he works for XXXX XXXX I lost thousand of dollars he saw me coming and took advance of me this is false pretense he sed I would make at lease 25-30 thousand profit instead I lost my money not all but lot of it.iam sorry I trusted him
Product: Debt collection

On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.
Product: Payday loan

I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting bureaus, '' XXXX, Equifax, and XXXX '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX Line of Credit Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company XXXX XXXX XXXX and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that XXXX XXXX is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX  ). This company is in volition of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.