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

I have contacted Experian directly, to report these errors and request removal of the erroneous accounts showing on my credit report. 
I have also requested a signed contract or signed by me proof of these accounts, MY REQUEST WAS NOT FULFILLED. I AM REQUESTING TO HAVE THESE ERRONEOUS ACCOUNTS REMOVED FROM MY EXPERIAN CREDIT FILE IMMEDIATELY.
Product: Credit card

I have a XXXX credit card, which appears to be managed by a company called Comenity. I was unaware that I had a {$10.00} balance on the card, I had paid for my previous purchase with a gift card and coupons associated with being a card holder, the XXXX website does not apply credits upon checkout in a way that makes it possible to see what the balance will be after processing. I was never sent a payment request or balance notification and was then charged a late fee of {$11.00} ( more than the principal balance owed ). I contacted the company that manages the card and they refused to reverse the fee after I complained that I was never notified that a balance was due.
Product: Credit reporting or other personal consumer reports

United Lending calls me NON STOP. I do NOT WANT nor have I EVER applied for a loan with United Lending. I am on the DO NOT CALL list with the FCC and it does not help. My rights, privacy is constantly invaded. Make these calls stop now or add me to a class action lawsuit.
Product: Credit reporting or other personal consumer reports

I checked my credit on XXXX. CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX On behalf of XXXX is stating I owe XXXX and they are trying to collect. My HOA pays/paid for my cable and internet. XXXX has never sent me a bill for a XXXX and my current account is XXXX. They forced me to have an account when HOA switched from cable to internet with my credit card on file and will not remove my credit card, but store it online. I do not know what this XXXX is nor where it came from. I have disputed this with XXXX, they say its verified but there is no documents from either XXXX, Credit Management LP or XXXX.
Product: Debt collection

I XXXX XXXX am making this complaint without any third parties. XXXX XXXX has violated my right as consumer under there fair debt collection practice act 15 use 1692c ( a ) This debt collector never had prior consent to communicate with me the consumer in connection with the collection of any debt and they never had express permission of a court of competent jurisdiction.This debt has been disputed and XXXX XXXX has failed to provide any document instead they used criminal means to harm the physical person and my reputation with the consumer reporting agencies. After providing false and misleading information of these accounts to my consumer report unlawfully and illegally they then violated 15 USC 1692e ( 8 ) by Communicating credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Consumer Loan

I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against XXXX for preventing me from transferring my funds to my bank account and for continuously delaying the resolution of my account restriction without providing any clear explanation. 

Despite multiple attempts to contact their customer service, I have only received vague responses or no meaningful assistance. My account remains restricted without justification, and I can not access my money. This lack of transparency and failure to provide proper customer support is highly concerning. 

I request the CFPB to investigate this matter and ensure that XXXX resolves my issue promptly by allowing me to access and transfer my funds. Their practices are unfair and may be negatively impacting other users as well. 

Thank you for your time and assistance.
Product: Debt collection

Recently I had my credit checked out to see if I was eligible for a car loan to my surprise I came to find out i have XXXX outstanding medical bills this being one, they do not belong to me since I was never notified the existence of such bills. As you know these bills affect my credit score and my chance of moving forward.
Product: Student loan

I am seeking your assistance regarding an ongoing issue with my student loan servicer, MOHELA. 

It has been several months since I was placed on deferment, yet I still have not been granted access to my account, preventing me from setting up any type of payment plan. Whenever I attempt to log in, my account remains locked. When I contact MOHELA, they claim I do not have an account, but when I speak with StudentAid.gov, I am informed that my account does indeed exist.

I am deeply concerned that I will be marked as delinquent and unable to make payments on my loans by XX/XX/XXXX, which would have serious financial consequences. It seems as though MOHELA is setting me up for failure, possibly with the intent to issue a garnishment order, which is unfair given that I am actively trying to address my loan situation. 

I am seeking your guidance and support on how to resolve this issue. I have exhausted all available options with MOHELA, and I am unsure how else to proceed. 

Calls Placed to Moehla : Timeline of MOHELA Contact Attempts XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account locked ; no resolution after call. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account still locked ; MOHELA claims no account exists. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : No resolution ; account still locked, error message received stating no account found. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : MOHELA still unable to assist ; locked account persists. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Continued account lock ; error message upon entering full name, XXXX, and date of birth. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Same error ; no account found despite information matching. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account still locked ; no progress made despite multiple calls. 

XX/XX/XXXX Date : Monday, XX/XX/XXXX Issue : Account remains locked, still receiving error when trying to unlock. 

Emails sent to California XXXX XXXX XXXX and California XXXX XXXX XXXX on Monday, XX/XX/XXXX. 

Your assistance in advocating for a solution would be greatly appreciated.
Product: Checking or savings account

I opened a fraud case with Bank of america because money was stolen from me. XXXX2020 XXXX was taken XXXX2020 XXXX was taken. XXXX2020 XXXX was taken. I was on hold for hours numerous times. I have talked to many representatives over the phone. I received a letter saying claim was denied because it was my fault money was taken. I didn't take this money outta my account. So I called again and the rep told that the computer automatically sends that letter out. They said that they would reopen my claim. They also told that they didn't know when my money would be put back in my account. This debit card is my unemployment benefits. I received a new card and I am still waiting for my funds to be put back. Now I tried to use my card today at the bank atm and it would not let me take any money out stating technical issues. I called them again. They told me the edd closed my account and I would have contact unemployment. I called edd and they said they didn't close my account. They told me that they would send an email and I should be able to access my funds next week. How can the bank not pay me what was stolen and then close my account with money still in it? Please help. XXXX XXXX. XXXX XXXX
Product: Credit card

Today, XX/XX/24 my credit builder account for Chime was closed for delinquency. The amount they said I was over drawn was {$220.00} I opened the account XX/XX/24, it was a credit building account, so I should only be using the money in which I already have, and I did. This is every single transaction on this card and they refused to tell me how it was even possible I OWED them money. ( The ( + ) is a transfer. The ( - ) was my money spent/transferred back to my savings account. ) - XX/XX/24 ( + {$100.00} ) - XX/XX/24 ( - {$10.00} ) - XX/XX/24 ( + {$1000.00} ) ( - {$1000.00} ) ( - {$0.00} ) - XX/XX/24 ( - {$79.00} ) - XX/XX/24 ( + {$830.00} ) ( XXXX ) - XX/XX/24 ( + {$210.00} ) ( + {$210.00} ) ( - {$210.00} ) ( - {$210.00} ) - XX/XX/24 ( + {$1000.00} ) ( - {$1000.00} ) ( + {$170.00} ) ( - {$170.00} ) - XX/XX/24 ( + {$870.00} ) ( - {$870.00} ) - XX/XX/24 ( XXXX ) ( XXXX ) feel free to use a calculator and see if I owe them money. All I did was move my money to my savings and if I spent anything, it was paid for.
Product: Mortgage

i would like to file complaint against wells fargo home mortgage loan.
i have been paying my monthly home mortgage loan since XX/XX/XXXX. i noticed there is something wrong with my statement they been sending me. i requested copy of my monthly statement. it does not show where my payments are being credited, its rather confusing. everytime i called up wells will just tell me they will just call me back but they never return my calls. again, although I 'm sending my payment every XXXX day of the month starting XX/XX/XXXX to todate i can not seem to understand where my payments are being credited. these are statements they just sent meXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Bank of America to attempt to settle a debt that was negatively reporting to my credit bureau. I was transferred to XXXX XXXX XXXX XXXX XXXX, and I was informed that Bank of America still owns the debt, but they are servicing the debt. Bank of America still owned the account, and XXXX was an intermediate between myself and Bank of America. The young lady I spoke with gave me an offer of {$710.00} with the promise that the entire Bank of America entry would be removed from my credit report after 30 days. The term that the lady used was " pay for delete ''. I thought that this was a good offer, and I verbally agreed to pay. She said to call back in 30 days for the letter showing that things were settled and closed. I called back and received the letter showing that the debt was completed and I did not owe any more money to Bank of America. After obtaining the letter, I waited a few days to see the Bank of America entry completely deleted from my credit report, however to my surprise the account only showed a XXXX   balance, and actually put a negative mark on my report for the month of XXXX. At best, I was misled, and at worst I was lied to by the representative. I only ask Bank of America to do what I was promised, and delete the entire entry off of all 3 of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I applied for the Bayclays Gold Card MasterCard and was  approved in XXXX. With this card and terms at which I joined, Barclays offered to waive the {$990.00} fee under the XXXX, along with having the card be at 0 % APR while on XXXX XXXX service. Shortly after in XXXX, Barclays changed their SCRA benefits and would no longer waive the {$990.00} annual fee. At this time, I was XXXX overseas on a ship and communication to solve this problem was not easy. I had communication with an XXXX XXXX, Office of the President at Barclays to try and resolve the new terms while I was XXXX, but was unsuccessful. I then had to cancel my account so I would not be charged the annual fee. Since then, I have spoken to multiple service members who have been grandfathered into their original terms for the duration of their time on XXXX XXXX service. I would like to reopen my account with the terms originally stated, as this is only fair to have it be the same across the board for all members.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 All Banks XX/XX/XXXX Experian 15 u.s.c 1681 section 602 a the right to privacy act united states 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

My mother died XX/XX/2022. 
I and my brother are the sole named beneficiaries in the will to inherit the house that has a Home mortgage note of about {$45000.00} and a Prime Equity note of about {$180000.00} held by Wells Fargo Bank , N.A . 

I have sent all Death Certificates, Wills, Affidavit of next of kin and requisite information to Wells Fargo yet they refuse to recognize me as the term they use " confirmed successor in interest ''. 

My rights to assume the mortgage by the XXXX XXXX XXXX XXXX are being denied and I will soon pursue litigation should they not be immediately recognized. 

My rights under the Truth in Lending Act and Real Estate Settlement Procedures Act are likewise ignored. 

This is a clear pattern of systemic fraud on behalf of Wells Fargo of pretending to attend to your rights as a beneficiary while in parallel foreclosing on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 2 FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
Product: Checking or savings account

Last week, my daughter who owes me money, wrote me a check for {$2000.00}. I deposited the check via the mobile app a few days later. My daughter told me that Citi called her to verify the check information. She also said that she called them numerous time since Monday XX/XX/XXXXXXXX  and spoke to them numerous times between XXXX and confirmed that she wrote me a check. She also told me that the check already cleared her bank account. 

I have spoken with Citibank via phone numerous times as well and today XX/XX/XXXX, I was told that they are closing my savings account. For the last few days, I have not been able to log in to my mobile app where I pay the bills for the 2 Citi credit cards that I own, nor access my savings account. When I call them, no one tries to help me get access. They keep telling me to go to a branch when I have told them that I opened the account online and there is no branch near me. I had to mail them to deposit the original {$10000.00} that I used to open my savings account. I would like to file a complaint because they are denying me access to my accounts and not communicating to me why they are doing this. As of right now, I can not log in to my account and no one will speak to me to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

XXXX has been reporting my past due bill since 2008. This year marks the 7th year that is suppose to fall of my credit report. Collection agencies are buying collection debts that are 7 years older and putting them back on peoples credit file for another 7 years. This is causing me a great deal of stress when i know, they ca n't do this. Its being reported back on my credit file but under a collection agency not XXXX. XXXX deleted their account and jefferson put it back on when it was suppose to fall off this year. Not it restarts the 7 year thing all over again. This is not fair to the people, buy using this dirty tactic to keep it on peoples credit report forever.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action again
st your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX