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

I have on multiple occasions disputed the collections account on my consumer report in regards to XXXX XXXX XXXX a debt collector who bought a debt from XXXX XXXX I disputed XXXX XXXX and received a response from XXXX XXXX stating that they could not verify the account thus XXXX XXXX was deleted from my consumer report however XXXX XXXX XXXX who is a debt collection agency purchased the unverifiable debt from XXXX XXXX and XXXX XXXX XXXX is still reporting an inaccurate account to my consumer report. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. 15 U.S. Code 1681- Congressional findings and statement of purpose goes on to state a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As stated before XXXX XXXX who was the orginal creditor has been deleted from my consumer report and they even responded to my CFPB complaint stating that the account was unverified and that they would no longer report the account to my consumer report. I have provided the letter from XXXX XXXX Compliance Manager in the attachments below Also XXXX XXXX XXXX in an attempt to sabotage my consumer report and hinder my right to credit is reporting to the credit agencies that I have been late on payments since XXXX of 2023 payments that I do not owe them due to the fact I have no contracts with XXXX XXXX XXXX  nor with XXXX XXXX who XXXX XXXX XXXX allegedly purchased the debt from. This places civil liability on XXXX XXXX XXXX due to the fact they are attempting to damage my general mode of living and my right to credit in order to purchase household goods for me and my family. 

I demand the account in regards to XXXX XXXX XXXX be removed from my consumer report.
Product: Student loan

I was emailed saying my tax documents were ready. My loans were forgiven through PSLF but I made payments in XXXX. I couldnt access my account to retrieve documents so I tried to request them using the chat feature, which does not work. 

Additionally, I was on hold today for nearly 6 hours waiting for an advanced agent to discuss a refund for an overpayment I made because it was recommended to continue payments while your pslf is being evaluated. I made an additional payment for just over {$81.00}. I cant access any information, including past payment history on their website. I was told in XXXX it would be disbursed in 90 days ( this was in the spring/summer of XXXX  ). When I told the rep its been more than 90 days she said Mohela doesnt disburse these payments. Theyre disbursed by the Dept of Treasury XXXX I called them and got nowhere. I called fed loan customer service to follow up and found that Mohela is supposed to disburse refunds. But after speaking with someone today they could see the additional payment and I could hold any longer after being placed on a nearly 6 hour hold awaiting a specialized agent that Im not sure even exists. This is after several other attempts and being placed on hold for 1-2 hours to get no one. 

The customer service wait times are always ridiculous, they miscalculate payments, they didnt provide tax documents by the XX/XX/XXXX deadline, and the features to resolve anything any way than by phone do not function. Mohela is a horrible servicer. They should be penalized for holding peoples money this long and charged interest. They need to be looked into and replaced.
Product: Credit card

In XX/XX/year>, I was charged {$1100.00} by Capital One Travel onto my Capital One Credit Card. In XX/XX/year>, I was reconciling my accounts and could not account for this {$1100.00} charge. I called Capital One Travel - multiple times- and received the same answer- we do not know the specifics, we only know that it was a travel charge. They could not tell me if it was a car rental hotel or flight. Usually when Capital One Travel charges me, they identify the nature of the travel charge. Since all charges from Capital One Travel are essentially for " travel '' I needed more specifics. My phone calls should be recorded as Capital One Travel notes that they record all their phone calls before they being a customer service phone call. 

In XXXX, I phoned Capital One Credit Card and asked for help. They suggested I dispute the claim, which I did. Capital One Credit Card resolved the dispute, said that I owed the {$1100.00} but could not identify what specific travel charge this was - a car rental, hotel or flight. So I could not reconcile - especially since I did not have any record of paying {$1100.00} for any travel. 

After I received the dispute decision, I phoned Capital One Credit Card again and asked for help. That agent got us on the line together with a Capital One Travel rep. This rep could not find the {$1100.00} charge nor could they see any other travel charges for me on their system - even though the Capital One Credit Card system was able to see many different travel charges.

Since Cap One Travel couldn't identify the charge, the Cap One Credit Card rep suggested I file a fraud claim. I did and on XX/XX/XXXX received three letters 1 ) telling me the fraud was submitted 2 ) that they were working on the case and 3 ) that they resolved the case and I owe {$1100.00}. However, they still did not tell me what the charge of {$1100.00} is for exactly.

I just need to know what the charge is for - not travel - but what type of travel. I have no way to reconcile this with my accounts unless I know what it was for and I am completely frustrated that Capital One Travel is unable to tell me. That is why I wonder if this is fraud or an unauthorized charge- they simply can't tell me what it was for.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed in a dispute to XXXX, XXXX and XXXX  Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from XXXX stating the account is now being reported on my credit report, again, because they receive information from Discover Financial Services stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with XXXX and Discover to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

The consumer did not provide the proper information about the covid help out plan, they only called and ask when will we send in a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes with all 3 credit bureaus for the reporting of my Bridgecrest account. Bridgecrest continues to certify inaccurate information to XXXX and XXXX, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that Bridgecrest has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how XXXX is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the XXXX report which contains the inaccurate information.
Product: Vehicle loan or lease

Ive had a car for 4 years paid my loan on time for a consistent amount of time, during the pandemic I was forced to quit my job and received little to no pay and was not able to get any help from the company and they stated that they did not offer help. That situation ended up in a repossession. Also ended up in a garnishment of my wages by Credit acceptance Corp
Product: Mortgage

I was on the covid19 mortgage forbearance and it expired on XX/XX/21, I did not call for an extension, but when I went online to start making my regular monthly payment the bank 's website would not accept any payments. So I assumed that my forbearance was extended but then I began to get past due notices. When I contacted the bank on XX/XX/21 to explained and to resume/start making my regular monthly for XXXX payment together with XXXX payments, the bank advised me not to make any payments because my account was now in default and the full amount of $ XXXX was due. The bank said they would review my account to determine if my forbearance can be extended ( back from XX/XX/21 to XX/XX/21 ) or if a partial claim can be approved. I have followed up with the bank numerous times ( every 2 weeks ) and also spoken to the reps trying to collect on the loan. They all keep telling me the loan is still under review, but delinquent the full amount. I have also emailed for an update and informed them that I am ready to end the forbearance and can make the payments, but I am not getting the issue resolved about deferring the forbearance amount. please help ; (
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am inquiring about account with the collection name of [ XXXX XXXX XXXX ]. 
Original creditor- ( XXXX XXXX ) {$6600.00} The collection account number is not listed on all three credit bureaus and the date of first delinquency has been fraudulently reaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
TRANSUNION VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ TRANSUNION KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
TRANSUNION LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING TO XXXX  XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. TRANSUNION COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Vehicle loan or lease

" I bought a car from Carvana in XXXX of this year based on their word. However, the car was delivered in poor condition and has been to the repair shop XXXX times since. The warranty company has refused to cover the repairs and keeps asking for videos and other things to delay the process. They are not fixing the repairs promptly. The car is not safe to drive and has several issues that were not described at the time of purchase. Since I have only had the car for XXXX months, I would like to return it for a full refund. ''
Product: Mortgage

I had asked Flagstar Bank to sunset the property tax and homeowner insurance portions of my mortgage escrow account, since the closing papers gave me that right. The company refused. I complained to CFPB ( XXXX ) and received a letter from an XXXX XXXX XXXX from the Office of the President stating that because I had a XXXX XXXX loan, I could not sunset those escrow portions.

This was a surprise to me, since I had never had anything to do with XXXX XXXX. I called XXXX XXXX, and they said they had no record of me. Upon calling Flagstar on the inaccuracy, they had to admit mine was a conventional loan, but they still refused to sunset -- and they even cited the same XXXX XXXX restriction chapter and verse about loan-to-value ( LTV ) ratio not being 80 percent or less. This time, the excuse was I had private mortgage insurance ( PMI ).

I'm getting tired of Flagstar 's Excuse of the Month over imposing an inappropriate XXXX  XXXX restriction on my conventional loan. Their customer service department is anything but. They just throw up rationalizations, however inaccurate, and say no to everything.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX treadmill utilizing Affirm 's loan services in XX/XX/XXXX. 

XXXX subsequently issued a recall of all of its Tread+ treadmills so I returned my treadmill in XX/XX/XXXX. 

I received a notice on XX/XX/XXXX, that Affirm received a payment from XXXX for the Tread+ return in an amount of {$4600.00}. At that time, I had made {$2900.00} in installment payments toward my Affirm loan. 

On XX/XX/XXXX, Affirm partially refunded via ACH transfer my loan amount in the amount of {$1700.00} ( which reflected $ XXXX payment * 9 months ). At this time, Affirm indicated that it would have to refund the balance of my loan ( of installments amounts already paid ) by check - that additional amount to be paid by check is {$1100.00}. 

Despite persistent attempts to get Affirm to send a check for {$1100.00}, Affirm still has not refunded my funds even though it has been fully paid since XX/XX/XXXX.
Product: Mortgage

nation star mortgage ( XXXX ) continues to call my work number ( XXXX ) at all hours of the day. I have told them I have no business with them and that they have the wrong number, yet, they refuse to remove my number as only " the customer can do so ''. They have a call center in the XXXX that cvalls at least XXXX times a day. I feel harrassed. I DO NOT HAVE A LOAN WITH THEM.. why cant they just remove my number? I asked for a supervisor or a manager and he was on break ; was put on hold for over XXXX and nobody ever came back.
Product: Credit reporting or other personal consumer reports

To whom this may concern, Hello! I am attaching a FTC report containing 5 fraudulent accounts. I am submitting this two Chex Systems to block the 1 account attached to this CFPB report as well as remove the address listed in the FTC report.

I have attached 2 accounts in the FTC report to XXXX which are fraudulent accounts in lieu of FCRA 605B to be blocked from my XXXX report. 
Last I have attached two accounts with XXXX which were recently blocked and appeared back on my XXXX credit report without any kind of notice to me. Those two accounts are fraudulent per FCRA 605B and should be blocked from continuing to be reinserted unto my credit report.
Product: Student loan

When i graduated from XXXX in XXXX  and did my student loan exit exam as well as chose my plan it was the extended fixed repayment plan as to which i paid XXXX every month until the student loan pause. I went to check my account after edfinancial changed servicing i checked my bill XX/XX/XXXX it showed XXXX was due i called in to ask why it changed and they told me nothing was different i asked about prior payments they told me that i didnt show any i have banking statements that prove otherwise. This change hurts my family and the only other plan i could afford was the graduated plan which charges me more interest than the original. Why have the terms of our agreement changed? To me this is a rip off. So i switched and am now unable to view my account. This makes the organization look shady. It took XXXX hours to get ahold of them and a lot of people are blasting them on XXXX XXXX etc. for this kind of behavior. I can send all of my banking statements if necessary but have attached a screenshot of one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is report wrong information on my credit reports. 
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. 

Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the bureaus on these unverified accounts before and still TransUnion and XXXX are reporting the following incorrectly : XXXX  : Account number : XXXX, This is an unverified account that has been disputed before. Each bureau is showing a different Date last active. Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX ; whereas there is no reporting from XXXX. There are also inaccuracies with the Date Opened, High Credit Amount, Date of Last Payment, and lack of 2-year payment history. I see this account is still not remove. 

XXXXXXXX XXXX : Account number : XXXX, There is no reporting for this unverified account from other bureaus. This unverified account has also been disputed before.
Product: Money transfer, virtual currency, or money service

I was looking to get concert tickets at a cheaper price through XXXX, and I asked for proof of the tickets, which the person had. I agreed to Zelle the person 's friend, who would send it to them. They then did not send me the tickets, and they presented themselves as legit from XXXX. This was a scam, and I am not able to get my money back from the person, and the bank ( XXXX  ) is unable to as well. 
Email of the person I communicated with : XXXX Email of Person Zelled : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Social Security number was compromised in a data breach. I attempted to freeze my credit on the Experian website using account number XXXX. During the process, I was required to sign up for a free account, which included providing a credit card number. Although there was no initial charge, I noticed in the fine print that after a seven-day trial, my card would be charged {$24.00} per month. Following this, I received a " Welcome to XXXX '' email, which I did not want. 

I was unable to find a way to cancel the service, and when I called customer support, I was placed on hold indefinitely without speaking to anyone. I do not wish to pay for this service, and Experian should stop obscuring the credit freeze option behind paid services.