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

As a victim of debt bondage, a severe form of XXXX XXXX I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Product: Debt collection

Both XXXX XXXX XXXX  and some company called XXXX XXXX continue to pursue me for an alleged debt ( which I dispute the validity of ) that is past the statute of limitations in the XXXX XXXX XXXX XXXX XXXX XXXX continues to hold my student records and transcripts and sends my information to this company every time I try to resolve issues with my unfinished degree. They're now sending e-mails to accounts that other parties other than myself have access to and disclosing the alleged debt amount in said e-mails. The alleged debt is from nearly a decade ago. It is no longer on my credit report, and I continue to dispute it. I have not had any success in resolving this issue with them. I tried to speak to them about this in person back in 2013 but the woman in the office used a XXXX slur about my XXXX background and appearance, so I have not felt comfortable speaking to them in person about this since. I've tried other methods, but keep running into walls. I do not know what to do. Will they be contacting my grandkids to tell them about this as well? I just wonder when it will end.
Product: Credit card

XX/XX/scrub>XXXX I accepted a XXXX XXXX interest promotion from Citibank. I also opened an identical account for my wife. They never honored my XXXX XXXX interest promotion. They did however honor my wifes. We have the exact same card opened under the exact same promotion. I paid all the principal off in XX/XX/XXXX ' and asked them to dismiss all the interest and fees. They would not deal with me in good faith. Supervisors and staff have hung up on me many times while I'm trying to settle the account. Citibank is ruining my credit with derogatory remarks on my credit report. Tonight they bargained with me to settle account. They stated they would remove interest and fees if I made one last payment. I made the payment and they did not honor their end of the bargain by zeroing out the account and completing the settlement. I was duped. They now have my additional funds but they never kept their end of the bargain and adjusted the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.
Product: Student loan

I had completely paid off my federal student loan of about {$9000.00} during COVID while I completed my XXXX program. I called the loan contact number to see if I could get a refund of my payments and then apply for student loan forgiveness. I have waited over 1 month and have not heard back. I have not received the refund for my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company Midland Credit Management act # XXXX has yet again Violated the CFPB guidelines by changing the reported balance on the alleged collection account. On the credit report generated on XX/XX/XXXX this account is reporting a balance of {$640.00}. On the report generated on XX/XX/XXXX this account has changed the balance to {$640.00}. This Inaccurate and a violation because it can not accurately be both and it is not possible for the balance to increase on a closed collection account, nor is it possible for an account that is considered a closed collection to obtain more charges or fees. Also this company has changed the Date Delinquency first reported to XX/XX/XXXX which is another violation. On all previous reports the Date Delinquency First Reported is XX/XX/XXXX. This company has changed the date and balance to attempt to make the account appear recent. Another discrepancy is the High Credit reported is XXXX on XXXX, which is lower than the Past due balance. The High Credit is the highest amount of credit ever used on a account. It is not possible to have a balance higher than the High Credit amount. Also the reported Highest Balance on XXXX is {$0.00}. Which is inconsistent with what this company is reporting to XXXX.
Product: Credit card or prepaid card

On XX/XX/21 at approximately XXXX XXXX  I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount {$430.00} XXXX sent the company a cease & desist. 
This account is not mine. Also, I checked the company licensing on NMLS website and they are not licensed to collect debt in the state of Pennsylvania. 

Lastly this account is not reporting on XXXX or XXXX. ( refer to screenshots to see closed on both accounts via XXXX XXXX )
Product: Money transfer, virtual currency, or money service

wire transfer from truist bank was sent from XXXX XXXX  to XXXX XXXX XXXX XXXX with the wrong name it needs to be resent back to them so that the name can be changes to XXXX XXXX XXXX XXXX  in the amount of {$620000.00}
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXX XXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA.

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit card or prepaid card

A dispute was filled with Capital One Credit Cards regarding an item purchased that arrived heavily damaged. Capital One requested that I submit a second opinion letter from a merchant in the same field as the merchant that sent the damaged product. I provided this second opinion letter. Capital One 's dispute department, in error, marked the second opinion letter as a duplicate document and Failed to submit the case to XXXX arbitration. After I called them to follow up with the case, I was told that a mistake was made, but at this point there is nothing they can do, as the XXXX window closed. I believe that this is a violation of my fair credit reporting rights.
Product: Payday loan, title loan, or personal loan

Great American Finance acct XXXX open XX/XX/XXXX struggle with making payments due to financial hardships being unemployed at the time acct XXXX 30 day XX/XX/XXXX became unemployed again and struggle with making payments requested all late payments to be removed when acct was paid off they denied it.
Product: Credit reporting or other personal consumer reports

i have reported an identity theft as well as made a complaint with the ftc in regard the matter and i have disputed accounts that don't belong to me. 
i received a letter from capital one and when i called in a reported identity theft, so i have to report this becasue this is not allowing me to apply for any other credit cards
Product: Checking or savings account

On XXXX XX/XX/year>, I attempted to add XXXX to my SoFi account ( checking and savings ). Shortly after, SoFi put my account in a restricted state with this message : " Account restricted Your account is currently restricted. Please reach out to us as soon as you can for more information at ( XXXX ) XXXX. '' I've called that number XXXX or XXXX times and spoken with different people. I get no help. They say they can't give me a timeline for when my account will return online. I asked them what was suspicious, and they won't talk to me about it. They are holding $ XXXX of my money hostage. I just want my money out of their accounts, to close the accounts, and not deal with them anymore. 

On the last call, they threatened to keep my money because my wife made a deposit into our joint account, which they now claim is a violation of terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/ I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, XXXX  Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

Identity Theft Victim XXXX. Title. This Article shall be known and XXXX be cited as the " Identity Theft XXXX XXXX ''. ( XXXX XXXX XXXX. ) Request for Removal of Fraudulent Accounts Identity Theft Victim Innovis Attn : Consumer Relations XXXX XXXX XXXX, XXXX, XXXX  XXXX CC : XXXX XXXX XXXX XXXX XXXX FDIC ) XXXX Consumer Affairs XXXX Federal Trade Commission XXXX FTC ) Consumer Financial Protection Bureau XXXX CFPB ) I am a documented victim of identity theft resulting from the XXXX XXXX XXXX and XXXX 's XXXX Breach. The fraudulent accounts that remain on my Innovis report are : XXXX. XXXX  XXXX XXXX of Credit/Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # ... XXXX Balance : $ XXXX : XX/XX/XXXX I have already provided a copy of my FTC Identity Theft Report, yet you continue to retain and report fraudulent information without legal justification. Under FCRA Section 605B, you are required to block and remove fraudulent information upon receipt of a valid identity theft report. Your refusal to comply is a direct violation of federal law. Furthermore, I have never provided written or electronic consent authorizing the reporting or sharing of my personal information. Any continued reporting or sharing of my information constitutes an unauthorized disclosure and legal violation.
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX  Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX Transunion Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Product: Mortgage

My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting duplicate accounts for my student loans, which is causing my debt to income ratio to shoe {$47000.00} more than what I actually owe. I was unable to close on my home due to this, which litterally cost me over {$5600.00} in losses due to Equifax negligence. Myself and the merchant ( XXXX/XXXX XXXX XXXX ) have sent several request demanding credit profile correction and yet to date they have failed to update. 
Acct ( s ) ending in : XXXX Amt ( s ) : {$1600.00}, {$2500.00} XXXX {$3400.00}, {$610.00} XXXX {$5600.00} XXXX {$4100.00}, {$6700.00} XXXX {$4500.00} XXXX {$4300.00}, {$5000.00} History of communication : XX/XX/XXXX - XXXX/ XXXX XXXX XXXX submitted to Equifax that a total of 12 student loans were consolidated into 2 new loans. This request updated with all other major credit reporting agencies ( XXXX  and XXXX ) accurately. 

XX/XX/XXXX - I reached out to Equifaxto inquire why updated information had not reported on my credit report. Advised that XXXX/XXXX XXXX XXXX had not sent any updated information to them. 

XX/XX/XXXX - I made contact with XXXX was explained my delima ; advised by merchant that reporting was submitted to Equifax XX/XX/XXXX. However, they would submit another request to have 12 account updated to paid and closed. 

XX/XX/XXXX - Received an update from Equifax stating that merchant verified that current ( inaccurate ) information was correct. 

XX/XX/XXXX - Made another contact with merchanct, XXXX/XXXX XXXX   XXXX and advised to send information that was received from equifax regarding update. Fax send on Monday, XX/XX/XXXX. 

XX/XX/XXXX, received a letter from Merchant, XXXX/XXXX XXXX XXXX, stating " we have sent a request to ALL Three credit reporting agencies, requesting that all account not serviced within the past 7 years be removed from your credit profile/report ''. 

XX/XX/XXXX - received notification from equifax that merchant reported ( inaccurate ) information correctly.
Product: Vehicle loan or lease

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is zero. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of CLOSED.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this matter with these credit reporting agencies for the past five months. These fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been violated and my next steps are to take this case to federal courts for the misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union
Product: Student loan

In XXXX, I had payments on the first XXXX loan sequenced start and was not contacted by phone, email, or mail to confirm that they started. For 10 months, they were reported as delinquent but I started paying the {$190.00} XX/XX/XXXX. 

As you know, the CARES Act put all Federal Student loans in Forbearance. Fed Loan Servicing had put all my current and DELINQUENT loans into the forbearance. I have made pyments of {$190.00} throughout the forbearance period because the service provider told me and my legal representative that all my payments will go to principle on a recorded line. My interest has been capitalized even though the cares act pushes back capitalization of student loans to XXXX. 

My principal balances are way higher than they would be if I did not pay the {$190.00} towards the account. Because of this incident I was unable to get mortgage approvals and take advantage of the low interest rates that XXXX brought. I was seriously impacted by this situation and have been trying for over a year to figure out what is going on. The interest I was legally able to write off on my tax return was only {$800.00} so where did the rest of my payments go? 

Fed Loan Servicing does NOT service my loans anymore. As soon as the payments were scheduled to start, XXXX XXXX took over and started calling me to confirm balances? They said they have no information but I have made a payment to FedLoan Ssrvicing that went to nothing. They illegally pulled {$190.00} out of my account and credited no balance. I put my XX/XX/XXXX payment to XXXX but the prior payment to FedLoan Servicing went to nothing just like the past +22 payments made to them. 

I have been going around and around in circles with this. Every time I call FedLoan Servicing, they lie, give wrong balances, tell me my original loan was {$25000.00} when that was never the balance with thw interest.