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

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit card or prepaid card

XX/XX/2019I contact Walmart Synchrony Bank to see if my account qualified for a lower interest rate and was advised my account would be monitored periodically to see if it qualified for such reduction. I had not heard back anything from Walmart soXX/XX/2019 I decided to call again and check to see if my interest rate can be lowered due to the Federal Reserve lowering interest rates just recently and I was advised by a Rep that no it could not be lowered, I talked to Account Manager XXXX who reread the same script that I had been told in XX/XX/XXXX. This is making it extremely difficult to clear my debt with them and it's unfair to consumers when the Feds lower interest rates but Walmart Synchrony Bank will not follow the same protocol, I'm paying XXXX bucks a month in interest alone which is beyond ridiculous, please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Debt collection

My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my payments on time with XXXX XXXX bank also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
Product: Student loan

I attend XXXX XXXX and have a private loans of XXXX $ that need to be forgiven. I was pushed to get out loans in order to attend the school. Now I have a debt i cant get rid off. The school defraudet me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Case update : XXXX Through PayPal and XXXX. 
XXXX XXXX has repeatedly taken amounts of money from my debit card for unauthorized transactions. I had one authorized transaction and XXXXPayPal has taken 4 unauthorized transactions for XXXX and took another 4 unauthorized transactions for XXXX each. Recently, I had to cancel a credit card and report it for fraud because the bank called and stated that the company had taken XXXX from the account and then tried to take another XXXX from the account ten minutes later. These charges were disputed to PayPal and they concluded their investigation within 3 hours stating that these charges were consistent with my spending. These transactions were not. I use PayPal for a XXXX XXXX XXXX and have now disabled any credit cards attached to the account. I want all funds reimbursed to my PayPal account.
Product: Debt collection

I was told by XXXX XXXX that I had to purchase a 5G cell phone from their company, although I had just gotten a brand new phone. They told me my current new phone wouldnt be compatible with their 5G network. Against my will & judgement, I was compelled to purchase a phone in order to be compatible with XXXX  5G network. Over the next 6-8 months, the 5G phone they demanded I purchase in order to have service, consistently dropped calls, did not send/receive texts nor did I receive my emergency pages on my phone ( due to lack of service coverage ). I worked with XXXX XXXX IT, who told me there were no 5G towers in my home/hospital geographical location, and there wouldnt be for the next 2 years, hence the reason for lack/no service. I was forced to switch carriers in order to have cell service. I work as a first responder in a hospital setting. My phone is my pager & it is imperative that I receive all calls, pages & texts. Due to a misleading sales representative falsifying the coverage area surrounding my home & place of employment. patients lives were put at risk. At this time, I was compelled to switch carriers & purchase another new phone with the next carrier. I did not want a new phone from XXXX, nor did I feel it was necessary having just purchased a new phone. Misleading & untruthful sales representatives caused this situation and should be held accountable for their erroneous & misleading practices. I have incurrred repeated harassing calls from debt collectors due to this & feel my consumer rights have been abrogated. I am respectfully requesting that this bad collection debt be removed from my credit report as it was through no fault of my own. My credit history is superior & I do not shirk my financial obligations & responsibilities. This expense should be the responsibility of XXXX XXXX.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone used my personal identification information and opened a fraudulent account with Discover Bank. I did not authorized anyone to use my information for some purposes. I've tried to fix it with the credit bureaus and with the Discover Bank, but they refused to delete fraudulent account. XXXX credit reporting agency have deleted this fraudulent account, but recently I obtained my credit report with XXXX and discovered that XXXX reinserted Discover Bank account ( partial account no : XXXX ) back to my credit report.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXXK xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

notice my credit report showing late payments in which I never miss a payment on the folling account ( XXXX ) ( XXXX XXXX ) XXXX 30 days late may 30 days late XXXX  30 days late XXXX  60 days late consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time XXXX XXXX WAIVE THE LATE FEES XXXX XXXX  WAIVE THE LATE FEES ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there is no response in 30 days those items have to be removed. I did not make any transactions or make any inquries with those companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information under USC 15 1681i Dear, Equifax, I am writing to dispute the accuracy of information on my credit report as allowed under USC 15 1681I of the Fair Credit Reporting Act. i have reviewed my credit report and found inaccurate and other incomplete information that needs to be corrected or removed immediatiely. 

XXXX. XXXX XXXX XXXX. 

This account has been deleted by other bureas, as inaccurate. 
I request a thorough investigation in this matter and prompt correction or removal of the disputed items. Please note that I have enclosed copie of the following documents for your review. 

Additionally I request that you provide me with a written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the corrected information. 

Please complete your investigation within the time period specified by law. Should you require any further information, feel free to contact me using the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account had fraudulent activity. I reported it to the company and they did nothing to reimburse my account. They closed my Cash App account and did not allow me to get my refunds or another account.
Product: Debt collection

From XX/XX/2019 through the present, I have been receiving communication from USAA Credit Card Services in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), this includes when sending out statements. Any debt collector communicating with any person shall not state the consumer owes any debt.
Product: Vehicle loan or lease

In XX/XX/XXXX I took what I understood to be an auto loan from Wells Fargo to purchase a used vehicle. The bank requested the VIN for the car prior to approving the loan. Upon approval, I received a loan for I believe around {$6000.00}. After paying the loan off in a few years, I didn't think to request the title from Wells Fargo and have since been the registered owner for the vehicle, while Wells Fargo has remained the legal owner. In XX/XX/XXXX I realized the mistake and called Wells Fargo to request the title. I spoke with the auto loan department and was told they have no record of the vehicle or the loan. I then went to the XXXX, WA branch and at their advice hand wrote a request for the title. Later in XXXX, I received a document from Wells Fargo listing two people I have no relation to as owners of the vehicle. I went back to the branch and spoke at length several times with XXXX XXXX, personal banker. Wells Fargo ultimately stated they have no record of the loan or the vehicle, and the document they sent me is the only information they have and can offer me. I went back to the Dept. of Licensing with this information and was told because Wells Fargo is the listed legal owner, the only way to obtain the title is for Wells Fargo to sign a release of interest. I went back to the branch, spoke with XXXX again and was told " Wells Fargo can not release interest in the vehicle because we have no interest in the vehicle ''. Per the Department of Licensing there is no way for me to obtain the title for the vehicle I've been the registered owner on for 12 years unless Wells Fargo signs either a release of interest or an " affidavit in lieu of ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$570.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. XXXX and Experian are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. Experian and XXXX reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.
Product: Payday loan, title loan, or personal loan

I obtained a loan from One Main Financial on XX/XX/2023. Only after agreeing to the stated requirements was I told about, and given an amount which would be included in the loan as an Administrative Fee of {$50.00}. The second issue is that the origination date of the loan at which point interest began to be accrued was XX/XX/XXXX. I was advised after signing the loan agreement that the funds would not be deposited to my account for 3 - 5 business days. So basically I am being charged 20 % interest every calendar day for money I do not even have.
Product: Debt collection

Called Calgary Portfolio to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. Made several attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX and have had no success. Even though Calgary Portfolio says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.
Product: Credit reporting or other personal consumer reports

UCSB AMERICA : XXXX It is illegal to report to transaction history.