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

I have spent months disputing XXXX charge-off accounts fraudulently reported by XXXX XXXX XXXXXXXX and XXXX XXXX , which do not belong to me and are illegally being reported on my XXXX report as well as my Experian report. However, XXXX has deleted both items as the creditors reporting on the reports asked for it to be removed as it is fraudulent and illegally being reported and was a clear case of identity theft. I have submitted countless documents as supporting documentation including an approved police report, an affidavit, an identity theft FTC report, along with proof of identity with a valid government issued photo ID along with a social security card/passport over multiple disputes. I have asked for method of verification that XXXX is using to validate the debt and keep furnishing information that is not mine and is ALREADY DELETED BY XXXX, which i will provide as such as I pulled my most recent XXXX report yesterday, XX/XX/2024 so it as recent as possible. The reports between XXXX, XXXX, and Experian are almost identical outside of the two charge-offs being reported on XXXX and Experian and not on XXXX, which did the correct thing and deleted a wrongful, fraudulent account from my XXXX consumer report. I will provide proof that XXXX does not show the charge-offs and have been removed and I ask thst CFPB either make XXXX provide me complete documentation of every person they spoke with at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and when along with paperwork provided with original contract, wet-ink signature, proof of IP address of application, and correspondence sent through the many months of dispute process that I received at the proper current address via certified mail or return receipt with signature proving I received any such correspondence of the debt or the requested information. XXXX could not obtain such information from XXXX XXXX XXXXXXXX and XXXX XXXX  and deleted the charge-off accounts from my credit report, I ask the CFPB do ensure XXXX does the same as I know they can not provide that information without lying. HOW CAN XXXX DELETE AN ITEM AND XXXX CONTINUE REPORTING THE SAME EXACT CHARGE-OFF ACCOUNTS?? THaAT IS ILLEGAL. They might not share information, but they are required to follow laws and report the same information otherwise somebody, somewhere is lying and I will not tolerate it.
Product: Debt collection

I checked my credit and saw they stated them money in the amount of {$240.00} for a XXXX  account. I have never used XXXX  and I never got a debt validation letter from them nor from XXXX. I have never heard anything from this company until I checked my credit and saw it was on there. Due to not being informed within the XXXX  day time frame to dispute this fraudulent account, I would like this removed.
Product: Debt collection

Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX.  On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. 

On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. 

Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX  ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. 

Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.
Product: Credit card or prepaid card

The summary of this complaint is that my credit card company Capital One, coerced me into making a late payment when I was asking for a due date extension I was entitled to. By giving me incorrect information, not notifying me of my right to extend the due date of my bill by one whole billing cycle and not informing me that my interest rate would be severely affected, the Capital One agent directed me to make a late payment resulting in the interest rate of my account to go up from about 6 % to 23 %. 

On XX/XX/2021, Capital One was contacted to extend due date of the credit card bill. The extension was needed because customer was experiencing Covid-19 hardship issues as well as having his wallet stolen a week earlier which Capital One had been notified about and had issued a new account number since. When asking for just a one week extension, the Capital One agent iterated that there is definitely no way to do that even if I was experiencing financial hardship and had very recently had my wallet stolen. The agent directed me to make my payment late and then call back after to get a {$39.00} fee re-credited. She made no mention at all of the late payment changing the interest rate and insisted that there was no option of extending the due date as was later found possible. 
When the interest rate increase was discovered, Capital One was contacted to get the misunderstanding and mistakes THEY created cleared up. After numerous attempts and hours of trying to communicate with Capital One, eventually they said they would listen to the recorded conversation and get back in touch for resolution. When they contacted me back, they lied and said the agent had not misdirected, misled or given me wrong information so I asked that we listen to the recorded conversation together to confirm their claim. They then said that they are not allowed to let me hear the conversation and gave no actual reason why. The reason was clear ... 

This is an egregious situation as I called them for assistance and not only did I not get the assistance I was entitled to but instead they victimized me as described above!
Product: Credit reporting

I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help
Product: Student loan

I tried calling MOHELA 's indicated phone number for customer service at least 5 times on XX/XX/year> and tried calling MOHELA again on XX/XX/year> at least twice to seek clarification on my payment schedule since the agency unilaterally changed my payment schedule and due date. Additionally, I was placed on forbearance by MOHELA and immediately was issued another payment schedule letter without a specified due date. The conflicting information has caused a lot of confusion and I have been trying to seek clarification on when I am supposed to pay. 

When I tried emailing MOHELA between XX/XX/year> and XX/XX/year>, the representative told me that it can not be explained via email due to complexity issues and asked me to call. When I call MOHELA 's number, the representative would always transfer me to another department and the call gets dropped every time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX & Experians repeated failure to correct inaccurate information on my credit report, despite proper documentation and multiple disputes. Their refusal to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ) constitutes willful noncompliance, which has caused significant harm to my creditworthiness and financial standing. 

Key Issues : XXXX. XXXX XXXX XXXX These accounts are listed as student loans on my Experian credit report, with delinquency records and balances that are both inaccurate and harmful to my credit score. 
These loans were discharged under the XXXX XXXX XXXX by the U.S. Department of Education, as they were deemed fraudulent and unenforceable due to misrepresentations made by the XXXX XXXX XXXX XXXX. 
As of today, these loans no longer appear on my StudentAid.gov profile, further confirming that they were properly discharged and should not remain on my credit report. 
Despite multiple disputes and submission of the XXXX XXXX XXXX XXXX, Experian has refused to remove these accounts. 

Requested Resolution : Immediate removal of all XXXX XXXX XXXX my Experian credit report.

2. US Department of Education Accounts : These accounts are listed as student loans on my Experian credit report and accurately reflect a positive payment history. 
I request that the payment history for these accounts remain intact, as it contributes positively to my credit profile. However, the balances must be updated to {$0.00}, and the status updated to satisfied, consistent with the discharge under the XXXX XXXX XXXX. 
Requested Resolution : Update all US Department of Education accounts to reflect {$0.00} balance and satisfied status while retaining the payment history. 

Evidence Provided : XXXX XXXX XXXX : Confirms the discharge of XXXX XXXX and the determination of fraud. 
Credit Report Details : Identifies the XXXX XXXX and US Department of Education accounts with their balances, delinquencies, and payment histories as they appear on my Experian report. 
Screenshots from StudentAid.gov : Demonstrates that the loans have been discharged and no longer exist in my federal profile. 

Harm Caused : XXXX & XXXX failure to correct this information has caused financial harm by : Reducing my credit score. 
High interest rate on a car purchased in XXXX. 
Limiting access to credit opportunities. 
I have experienced emotional distress and have had to dedicate unnecessary time and resources to resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I have called all three bureaus XXXX XXXX Experian and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XX/XX/XXXX and XX/XX/XXXX : multiple phone conversations with XXXX XXXX  XXXX Arizona XXXX XXXX Billing Department explaining to them that I was inappropriately billed for hospitalist physicians services using old XXXX XXXX information from many years ago, despite XXXX XXXX XXXX gathering my updated XXXX XXXX XXXX XXXX. I requested for the billing to be re-ran through my current XXXX. I was notified by billing department that this could take 90 days to re run, and I would not receiving a bill during that time XX/XX/XXXX : XXXX XXXX XXXX Arizona XXXX XXXX files for bankruptcy, with bankruptcy completing at unknown later date XX/XX/XXXX - XXXX XXXX uploads Explanation of Benefits on their website that services for {$1300.00} in question were denied as MDs were out of network ( I am appealing this actively as I was admitted to the hospital under emergency services and the XXXX billed their services as outpatient despite my life being in jeopardy due to XXXX with required XXXX ). 

I never received a bill from XXXX XXXX XXXX Arizona XXXX XXXX at any point in time after I discussed with them the need to re-run the insurance on XX/XX/XXXX and XXXX, XXXX. How could I possibly pay a bill before it needed to go to collections if I was never sent a bill or even knew that it existed? 

XX/XX/XXXX - I looked at my XXXX cards credit report, and I have a derogatory event where this bill was sent to collections ( Credit Management Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ). My credit score dropped from approx XXXX down to XXXX I have not been contacted by this collections agency, however I am being harmed by my credit significantly, when I was never notified of a bill owed. This appears illegal and highly inappropriate. XXXX XXXX XXXX XXXX XXXX XXXX never sent me a follow up bill, went bankrupt, and when I called to attempt to discuss with the company at their current phone number ( apparently bought out the original billing group ), they state that they can not access my claim from XX/XX/XXXX. I had no way of known or following up with anyone regarding this bill, as I was never contacted to even consider paying the bill. My credit is significantly affected and I would like this to be removed from my credit report completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX  on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by XXXX XXXX    Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that XXXX XXXX responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with XXXX XXXX. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, XXXX  and Experian. I've even sent them a copy of the letters sent to XXXX XXXX and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to XXXX XXXX, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Product: Credit card

This is to add on to my other XXXX complaints with Navy Federal Credit Union. So my minimum payment balance increased last month from {$150.00} to {$160.00}. I converted my reward points to cash to add to my balance for that month. I used my rewards to lower the balance of the {$160.00} down to {$88.00}. I did not know that by converting my rewards into cash to pay down the balance, that I would still owe {$160.00} and change still. So today, Navy Federal Credit Union sends me an email stating that they notice that in the past XXXX days that I have spent {$130.00} on my streaming services. Implying that if I got rid of my streaming services that I should have enough to pay on my credit card every month. Not mentioning that every XXXX days they are taking on {$100.00} of interest fees to purchases made in the past. Now this to me is a form a gaslighting because no matter how you cut it, I still wouldn't be able to play catch up with interest fees every XXXX days. And then they want to get back to me in XXXX days? This is unacceptable because there will still be more interest fees that I will incur.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to XXXX, Equifax, and XXXX asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the Clerk of Courts for XXXX XXXX XXXX county appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few! 

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Product: Credit reporting or other personal consumer reports

Hi, Trans Union is reporting fraud information on my credit report from a XXXX party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC & disputed with Resurgent/LVN. This XXXX account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to the XXXX 's so far. How could XXXX collection account that isn't even mine, make my score drop so much!!! This is hurting my goals of buying my XXXX home & new car! Im so devastated & need Trans Union & or the company to remove this fraud immediately from my credit, ALL OF MY CREDIT REPORTS! Both XXXX XXXXXXXX XXXX XXXX Trans Union are violating my rights & breaking the law. A computerized summary of fraud account with my name it, is NOT legal proof! 
I have uploaded supporting docs. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>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 ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> XXXX XXXX XXXX XXXX ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> CITI CARDS CBNA ran a hard inquiry on my credit report without my permission.
Product: Student loan

The interest rate on my loan more than doubled during Navient 's handling of my loan. Interest was charged incorrectly and payment status needs to be corrected. I would like a refund of overcharging for interest payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX Account Number : XXXX This is not mine.

16. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX2022 I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be one address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } 1. XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Single family XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX