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

I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Product: Credit card

I requested a balance transfer in the amount of {$9300.00}. The charges ( {$9300.00} ) and fees ( {$460.00} ) were applied to my card on XX/XX/2024. I checked my account on XX/XX/2024 and again on XX/XX/2024 and the money had not been deposited, so I called Wells Fargo to ask why. I also asked if I could pay off any other balance that was on the card I was told no, so I told the customer service person that I would like to cancel the transaction and was told that I could not cancel it as it had already processed. I explained to them again that I had not received the funds, they had only charged me for the funds. I was send to a second level person and at that time as was told yes I could pay off my card and was put on hold. After being on hold I was disconnected from their end. I called right back and explained the whole thing again, they said they would have someone call me back that day because I knew if they didn't the money would probably be sent to my account the next day and they wouldn't help me then. I was told they would and it didn't happen. I called the next day XX/XX/2024 after not receiving a call back again. I was told they could undo the transaction because I already received the money and they would refer it to another department that would mail me their answer. The letter did not rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.
Product: Credit reporting

I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple loans with Capital Goodfunds! My loan that was originated XX/XX/2019 they have reported XXXX late payments! 


I have email correspondence with the company to skip a XXXX payment and pay the loan in full in XX/XX/2019! At no time during our conversation did anyone say this would result in a late payment, as I have skipped payments with them multiple times in the past on other loans! They had originally reported XXXX late payment, I disputed it then they reported XXXX late payments! 

When I contacted the company she said I had XXXX late payments, XXXX late payment for XXXX loans, not XXXX late payments for XXXX loan! I sent her all correspondence emails from 2019 confirmation that they skipped the payment to pay in full in XX/XX/2019! 

At this point the company is still not removing these inaccurate late payments or acknowledging its their internal error!
Product: Checking or savings account

On XX/XX/2022 I opened a checking account online with Citibank. I transferred {$10000.00} from my XXXX XXXX XXXX account to fund this new account. I attempted to withdraw some funds from this account in the first week of XXXX, 2022 and was denied. I wrote a check to my XXXX XXXX bank account for {$1000.00} and the check was returned ( I was charged a return fee by my financial institution ). I contacted Citibank and was referred to the Fraud Department. A customer service rep informed me that my account was frozen, pending a " fraud investigation '' but would not give me any further details. On XX/XX/2022 " XXXX '' called me from the Citi XXXX XXXX XXXX to inform me that my account was closed and that I should receive a refund for my initial deposit ( {$10000.00} ) within two business weeks to the address listed on my account. She refused to give me any details as to why my account had been closed. On XX/XX/2022, I called the Citi XXXX XXXX XXXX to inquire about my deposit refund- as I had not received it yet. " XXXX '' informed me that he would look into it and respond to me by XX/XX/2022. Citi has had my deposit for more than 5 months and has not allowed me access to it, and has refused to return it to me.
Product: Credit reporting or other personal consumer reports

I require XXXX to provide documentation and verification of all negative information on this report
Product: Debt collection

I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.
Product: Credit card

On XX/XX/2024 XXXX XXXX notified me that a hard credit check was added to my report. 
On XX/XX/2024 XXXX XXXX reflected a hard inquiry and my score dropped 3 points. 
On XX/XX/2024 XXXX XXXX emailed me providing me the last XXXX digits of and account and thanked me for registering my Indigo Platinum Mastercard. 
On XX/XX/2024 I received a second email from Concora Credit providing me with the last 4 digits of the account confirming the enrollment of the indigo Platinum Mastercard go paperless statements On XX/XX/2024 I received a third email confirming Email Address Update. This provided my current email address and other individuals XXXX account. 
On XX/XX/2024 I called the number for this credit card company, and they indicated it was a debt collector - I could not reach anyone and remained on hold for several minutes before hanging up. 
On XX/XX/2024 - I called XXXX to report identify thief and filed a complaint with CFPB.
Product: Student loan

Hello. I am recent graduate who only started working in XX/XX/XXXX. I have {$29000.00} of Federal loan under my name and about {$160000.00} of parent loans my mother is responsible for. My mother is ill and recently stopped working and my father 's income is not high as well. I submitted a consolidation request twice for both me and my mother, the request for my mother went through but it did not go through for me. I also applied twice for a income based repayment plan. However both times the request did not go through and I received no updates. Whenever I called Navient while waiting for the requests to go through all the agents said it was in process and did not provide me with further information. They could not even inform me how much I had to pay per month. I also requested a grace period twice for my mother but both times it did not go through ... I want to start paying the amount we can afford as soon as possible properly so we do not accrue further interest, however navient has not been clear and just said things like " do not worry, the consolidation and income based repayment plan will take some weeks to go through but you can just request a grace period and pay later. '' I have been very stressed about this.. and I can not trust any of the Navient representatives anymore..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, TransUnion, XXXX several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX***
Product: Credit card or prepaid card

Because of COVID 19 I lost my job on XX/XX/2020 and I am looking for a new job that did not happen yet. I am behind for my payment with my American Express Credit Card, and Today XX/XX/2020 I received a call from XXXX from Amex, he was trying to collect the payment and I a explained my financial situation for him. And he said that Amex do not have any especial plan for my situation. I said that I had money just a little money to purchase food to my daughter and I, and I could pay {$5.00} only at this time and I will pay the right amount as soon as I get a job, that can be any day from now. He refused my payment and said that he ( AMEX ) will report my name to the Bureau. I said that AMEX is very greedy. 
Thank you for the lesson AMEX.
Product: Credit reporting or other personal consumer reports

I paid off XXXX $ in credit card debt this month and my score only went up XXXX points and the experian credit score stimulator estimated that if I paid XXXX $ my score would have gone from XXXX to XXXX but my score is now only XXXX and I need a good score to obtain balance transfer credit cards. Before I purchased my vehicle my credit score was in the XXXX range so someone is intentionally tampering and fraudulently lowering my score to prevent me from getting balance transfer cards to get out of debt. That is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Product: Credit card

I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ALL VIOLATED THEIR ARBITRATION CLAUSE BY DAMAGING MY CREDIT ILLEGALLY. 

PLEASE SEE ALL OF THE LETTERS I ATTACHED FOR DOCUMENTATION. 
WHEN YOU CONTACT THE COMPANIES, ASK THEM TO SEND THEIR CONTRACTS TO YOU ALL BECAUSE EVERYTHING HAS TO BE RESOLVED THROUGH ARBITRATION. 

Under the Fair Credit Reporting Act ( FCRA ), when a debt is sold or transferred to a collection agency, the original creditor is typically required to update or remove its reporting to reflect that the debt has been assigned to a collection agency. If the original creditor continues to report the debt as if it is still " their '' responsibility while it has been transferred to a debt collector, that can be an inaccurate report, which may violate the FCRA. 
XXXX XXXX IS NOT SUPPOSED TO BE NEGATIVELY REPORTING TO MY CREDIT BECAUSE XXXX BOUGHT THE DEBT
Product: Debt collection

Equiant Financial Services is reporting an account on my credit report that has an inaccurate balance owed. I had previously requested Validation of this alleged debt however company has not provided that information. I would like a full validation of the debt including the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has repeatedly sold my information and falsely preapproved me for credit cards in which i cold not actully obtain. My credit score has been severely affected by credit karma through unauthorized inquiries, and getting me to repeatedly click falselly advertised pre approved offers. From XX/XX/XXXX up until now, XX/XX/XXXX, I keep receiving pre approval offers and harassing, unsolicited marketing. The only place I feel comfortable inputting my information online is credit karma, and i know for a fact its been selling my information to affiliates, as I have showed no interest, nor provided my sensitive info to its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.
Product: Debt collection

I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in  collections with " XXXX XXXX '' in the amount of {$11000.00}. 

I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. 

I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. 

The person then hung up on me. This is most definitely a scam.
Product: Student loan

I have been a XXXX employee for over 10 years with one year-long break in XXXX working at a state agency. In XX/XX/2022, I twice faxed my Public Service Loan Forgiveness paperwork to Federal Student Aid per their instruction. Despite having both confirmation sheets that the faxes went through ( note we were not allowed to scan and email the signed PSLF paperwork ), I was told my paperwork was never received. 

A few months later, Mohela took over servicing all Public Service Loan Forgiveness applications. I have twice received paperwork stating I am not eligible for PSLF because when I consolidated all of my loans, it appears that I have only made 2 payments total ( despite having made over 120 qualifying payments under President Biden 's loan forgiveness program that allows any type of payment up until XX/XX/2022 ). 

In calling Mohela in XXXX, they said my account would be updated by the beginning of XXXX to reflect the accurate number of payments. It is now almost mid XXXX and my account still shows that I am ineligible. Instructions on Mohela send me back to Federal Student Aid to check how many eligible payments I have but when I enter my employer ID, it says I do not have 120 qualifying payments and will not allow me to advance beyond that point ( unless I confirm that I do not have 120 qualifying payments which I refuse to do ). 

I have since downloaded my history of loan payments to XXXX and the Department of Education ( XXXX ) in the hopes this will be sufficient 'proof ' but am not sure what else to do. I am in a perpetual loop of being shuffled between these 2 incompetent organizations and fear that if I do not get a lawyer to sort this out, I will not have my XXXX in loans forgiven despite 10+ years working on some of the toughest issues the Department of Defense is facing. I have a XXXX and can not figure out this process despite putting all communications in writing and contacting each organization multiple times. I am out of options and know my loans will resume in a few months. Besides contacting the XXXXXXXX XXXX is there anything else I can do?
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we have to take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about what's owed and when it happened.