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

I applied for a XXXX 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from XXXX XXXX in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - Experien in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - XXXX 's should be notified and both XXXX XXXX and Experian Credit Bureau investigated to prevent others to be exposed to this scam.
Product: Student loan

Today, XX/XX/2023 @ XXXX a.m., I received an email, from Nelnet, regarding a student loan. How could this be? This company receives loans from Great Lakes and I have never had any dealing with Great Lakes and don't have any knowledge as to how they got my information. While submitting this complaint, I am on the phone waiting for a loan servicing specialist to assist me with the information needed to find out, how, why and when this loan was issues? Please contact this company and inform them of the dispute. As I am continuing to submit this complaint, I tried to enter my information into the automated system, my social security number and date of birth were correct, but when it asked me for my zip code, it was incorrect. This made me aware, that the address information on file is not mine and when the loan was taken out, the address used is not mine. For the past 12 to 13 years, I was homeless! So, I am wondering how and why this occurred?
Product: Debt collection

I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. 

XXXX  has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. 

XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair.

7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.
Product: Student loan

I am trying to pay my loan faster than the minimum required as a way to pay less interest over the life of the loan. Rather than applying my payments over and beyond the minimum due to principal, Mohela has applied multiple of my payments to cover the next month 's payments ( including interest ). This negates the benefit of paying additional money for the purpose of lowering the principal and thus interest. Despite multiple calls, online requests, and emails, they keep applying payments to future month 's rather than reducing the overall principal as a means to reduce overall interest accrued on the loan. 

Additionally, Mohela put my account into a forbearance status WITHOUT my requesting to do so. On XX/XX/27 when they were supposed to withdraw {$210.00} from my account per my monthly withdrawal schedule, they instead put my account into forbearance AND continue to charge daily interest on the account. This is costing me additional money as not only would they not accept my scheduled monthly payment to lower the principal balance and overall interest, they are now charging me MORE interest on a higher principal balance since they wouldn't accept my monthly payment. When I called Mohela about this, the representative advised this has been a common system error with Monhela and that many accounts have been put into forbearance by this error. He advised interest would continue to accrue and there was nothing he could do to stop that. He then advised it would take Mohela several weeks to fix the error and restart my monthly payments ( all the while, my loan balance increases due to continuing accrued interest ). I then attempted to make a {$100.00} payment on my loan balances, but they once again applied that to a next month 's payment -including interest. 

I'm requesting they start collecting my monthly payments ( including additional principal payments ) and take my account out of this unrequested forbearance. Additionally, since the forbearance was caused by their error, I want them refund any interest that accrues on my account during this time.
Product: Debt collection

I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
Product: Credit reporting or other personal consumer reports

I reached out to Experian customer service to report identity fraud but instead of help I was on hold for 6 hours two different times. I need to dispute 18 hard inquiries that are not recognized by me. I asked that this issue be handled where it is negative information on my credit report that is false
Product: Student loan

XX/XX/XXXX I received an e-mail from XXXX XXXX that included my statement from last XX/XX/2017 because XXXX XXXX admitted to making mistakes on handling my loans so they were reversing the negative reporting they made to the credit bureaus last year. Two different XXXX reps verified that they would begin handling my student loans again which were in the process of being removed from ever defaulting or being late/delinquent in the first place. They said the process takes 7-10 business days at which time I will be able to login on to my old XXXX  XXXX account online and make online payments etc. I explained I wanted to just pay the balance and the girl I spoke with said as soon the negative reporting gets reversed I will be able to go online and pay. I said thats great and was so glad XXXX finally realized its morally/ethically wrong to report student loans as negative/late/delinquent etc to the bureaus if the student is unaware theyre not receiving bills XXXX was supposedly sending in the mail. 

Ten days past so I called XXXX to follow up and a Supervisor who was extremely rude and belligerent handled my call raising her voice telling me not paying my loans is the reason my credit got bad. Can employees behave this way when we call with questions? She didnt give me explain my situation and when I explained two different reps verified two different times I called in that the negative reporting XXXX made on my student loans was being reversed she told me that they were not supposed to do that, they had no business doing that. I wanted to ask her what was so wrong that was making her so angry and rude towards me but this supervisor kept cutting me off. Now I am super confused as to what happened etc. Its so stressful and unsettling to know that XXXX XXXX will handle your loans however they feel depending on their emotional state? This supervisor told me its their word against ours/the students/families/consumers and apparently the consequences of how they handle accounts and treat people is irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been acquiescing various written pleas to Experian regarding the fraudulent information being stated on my file. The last letter I sent to Experian was XX/XX/2022 with comprehensive attachments of my Personal information, but regardless of all my efforts, Experian seemed to overlook my appeals and disregard their duty to fulfil with the FCRA section 605b. I've been asking for remedy about this matter but I guess Experian is ignorant for they have again deserted my concern. You asked for Documents and I have given it. I've provided my FTC report and the Police Report I filed on my local Police Department. What else should I deliver? Did I miss something? AGAIN, I am a victim of IDENTITY THEFT and I do not reminisce having these accounts with these companies so please REMOVE these harmful accounts from my file INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my free credit report to Equifax through the XXXX XXXX XXXX online. 
After rewing and going through the process requiring from Equifax as answering all the questions for verification, the system denies me, to get my Equifax credit report.
Product: Mortgage

In 2014 I was issued a check from Bank of America legal division for {$17000.00}. Upon calling BOA to check the validity of the check, they advised me that the money was owed to me due to an audit on my mortgage account. They further explained that is was money overcharged while I was on XXXX XXXX military and my loan was not properly managed under the service members relief act. I now owe the IRS {$6000.00} for not reporting the money as income. How is that income if is my money that I already paid taxes on?
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
List : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) Account # XXXX XXXX XXXX XXXX account # XXXX 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: Student loan

On XX/XX/XXXX I consolidated all of my federal student loans with XXXX and made my first payment towards XXXX XXXX Loan Forgiveness ( XXXX  ) on XX/XX/XXXX. In XXXX I learned that XXXX mistakenly did not consolidate all of my loans and my Income Driven monthly payments were being applied in pieces to multiple sets of loans. I immediately sent written complaints to XXXX The U.S Department of Education, and any other authority that could take action. My argument was XXXX XXXXs expectation to have me realize their mistake early on was illegitimate because my monthly payment was based on my income and knowing how they were applying it was not information that would benefit me given that it was XXXX I was pursuing. In XXXX of XXXX I received a letter from XXXX that indicated that they recognized the error they made and I was informed that all of my loans were now consolidated into one ( as I originally requested in XXXX ) and that every payment I made would be retroactively based on my XX/XX/XXXX consolidation. What this means is that my XXXX clock should have began XX/XX/XXXX on my entire student loan file. Please see attached letter. When I recently moved my loans over to Fedloan Servicing ( as required for XXXX  ) and requested the status of my progress towards XXXX they sent me a chart indicating 11 different Federal Loans with three different estimated dates to qualify for XXXX. The estimated dates of qualification range from 16 months to 21 months after the date I had in my mind of XX/XX/XXXX ( 120 months after my first payment post-consolidation on XX/XX/XXXX ). The letter I received from XXXX in XXXX is attached. I should have one date of expected eligibility, not 3. And that date needs to be on or near XX/XX/XXXX, not XX/XX/XXXX like the estimate I received in the mail states. Please assist.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. These items are the result of identity theft stemming from a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Hello, CFPB. I am I writing today because I really need your help. Bank of America is unfairly reporting a late payment on my account ; which is not due to a money issue or even worse, that I did not want to make my payment on time as Ive always done. 

I have been quarantined while traveling due to Covid-19, couldnt travel to the US on XX/XX/XXXX that I was suppoused to be back, and had no access to my account. The account was to be on auto payment, I have emails confirming auto payment was made a few months ago, I even have the statements ( see attached proof ). 

The payment was due to an annual fee ; there was no way I could have known that the payment was not made, I didnt even know there was a balance due to an annual fee ; and even if that was the case, the account is enrolled in auto payments. I have more than enough money in my Bank of America checking account ( see attached proof ). 

I also want to emphasize that I have never been late on this account. I have been a loyal customer for more than 6 years, and I believe I dont deserve Bank of America to report erroneous information. This is unfair, and I am now having a high level of stress. My credit score has decreased many points because of this erroneous report, and this was not my fault. 

Please see bellow account information : Bank of America credit card. Account # XXXX, opened XX/XX/XXXX, limit {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have CD with WellsFargo, which matured on Saturday, XX/XX/scrub>XXXX XXXX, 2024. I called their customer service ( XXXX ) around XXXX to request closure of account. My call lasted around 36 minutes and at the end of the call I was told that account will be closed in 2 business days and money will be transferred to my checking account. Reference number for the call provided to me was XXXX. 

I checked my account on Wednesday, XXXX XXXX, 2024 and noticed that CD was renewed for 3 months. So, I called again ( XXXX ) on Wednesday evening around XXXX XXXX. This time the customer support ( XXXX ) told me that I can not close CD account over the phone. I have to walk into the bank branch to close CD account. She apologized for the incorrect information provided to me on Saturday. When I asked for my options to file a complaint, she transferred me to customer advocacy department. XXXX XXXX in the customer advocacy department helped me. They looked at my account and told me it takes 2 business days to close CD account and transfer money into my checking account. Since my call was on Saturday, technically my request was submitted on Monday. so, the two business days from Monday is Thursday. So, he advised me to wait till Thursday. I insisted to file a complaint. He then offered me to submit request again to close my CD, just in case the first request does not get processes. So, I will have a back up request to close CD. I approved the action. He also filed my complaint and gave me complaint # XXXX. I spend another 54 minutes on call.

In total I spent an hour and half to close my CD account and I am still not sure when they will close my account and give me my money.

I am filing this complain as 1. Their customer service is providing conflicting information and making it difficult to close CD.

2. I believe they have closed and then reopen CD account without my approval.

I have attached a copy of my CD account for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion investigators have violated my rights XXXX XXXX & account charged off appearing XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this information is incorrect. I wrote the original and XXXX  about deleting
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX XXXXXX/XX/XXXX, and I was discharged on XX/XX/XXXX. BMW open this account on XX/XX/XXXX which is stated as open in the amount of XXXX. This made my credit score go down XXXX points. How can the report something that was completed in bankruptcy. Please Review attachment : XXXX XXXX BMW FINANCIAL SERVIC Reported : XXXX XXXX, XXXX {$24000.00} Needs Attention Overview You have XXXX XXXX left to pay on this loan. 

Balance {$24000.00} Highest Balance No Info XXXX  payment {$610.00} Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status XXXXXXXX XXXX Late Worst Payment Status XXXXXXXX XXXX Late Account Details Account status Open Type Auto Responsibility Individual Account. 
Remarks Fixed rate Times XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

PAID MY LOAN BACK ON TIME : DEBIT THEY CHARGED ME A DIFFRENT AMOUNT ON MY BANK STATEMENT AGAIN : DEBIT