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

XXXX I sent a certified letter to Equifax and told them I looked at my credit report and saw a US Bankruptcy Court item listed on there. I told Equifax that under FCRA 623 ( a ) ( 5 ) : " if the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' XXXX Equifax sent a response saying that please be advised Equifax no longer reports judgments or liens on the Equifax credit file. The disputed item is not currently reporting on the Equifax credit file. Public Record : Lien XXXXI never disputed any liens!!!! 
Going further : They stated that they receive public record items from local, state, and federal courts through third party vendor, XXXX. 
Its still currently reporting on my credit report as discharged. 
Equifax told me if i had any additional information to send it in to them and I have. I'm going to attach all the documents i have sent to Equifax to you as well. 
I don't understand how a company can get away with investigating things that you have never disputed?
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).
Product: Credit card

Date of Incident : XX/XX/year> Companies Involved : Apple Card/GS Bank USA Description of the Issue : In XX/XX/year>, unauthorized transactions were made using my Apple Credit Card through the App Store . These transactions involved multiple charges of varying amounts. Despite my repeated attempts to address this issue with Apple, the company was reluctant to assist and did not take significant actions to resolve the problem. 

Financial Details : Multiple transactions of varying amounts were charged to my Apple Credit Card.

Actions Taken : Initial Contact : I reported the unauthorized transactions to Apple, seeking a resolution. 
Company Response : Apple did not take meaningful steps to address the issue or resolve the fraudulent charges. 
Outcome : The issue remains unresolved, and there was no effective support or resolution provided by Apple.
Product: Debt collection

About eight months ago, I made a complaint here regarding Professional Credit Services ; for whom I overpaid by several hundred dollars on court-related fines. I discovered that, Professional credit services, whom I set up the payment plan regarding two files they had with the court. I made a large downpayment as part of the process setting up the payment schedule. 

Somehow, although the debt collection had closed once paid in full, I received notice from the DMV that I still had outstanding tickets and my drivers license was going to be suspended as a result of nonpayment. I did some investigating and discovered that I had actually overpaid the company by quite a bit. However when I asked the company for its records they did not give me records for the file with the tickets outstanding In question. Naturally, as they had been handling this debt, I was very frustrated at giving them so much money and being paid in full only to receive the letter from the DMV that says I still had two tickets outstanding. I am under the impression that the credit service stole my money and didnt apply it appropriately but rather paid themselves a healthy amount of interest, while letting one of the debts languish. I went to the court and asked that any and all files be transferred back to the municipal court for collection since they dont charge interest and since they are easier to make payment arrangements with. The court honored the request. 

However, where is the extra money that the CFPB owes me an explanation for? It took them forever to respond ; and now they are calling this a misunderstanding and stating that they will send a full accounting that shows how they have applied the historic payments. Obviously I am very interested in seeing this but, here again for the second time, Im told I will receive the information. The company said in their answer here that I would be receiving the documentation shortly, but guess what? Still I have not seen it. I want this company to follow through with their promises and pursuant to the law, show me the info That I am entitled to - or, reduce the balance to XXXX ; and if they cant give an explanation that shows where my money went, which was far exceeding the actual amount of the debt to be paid, and without applying the payments evenly To both debt files like they were supposed to do, then I should actually be receiving a refund for money they took from me but to which they were not entitled.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Mortgage

Selene Finance was paid on XX/XX/17 and this payment as of today has still not been applied to my account. 
I have sent them 2 months worth of bank statement ( XXXX and XXXX ) and a letter from my bank and yet they still have taken no action. They claim they didnt see me logged in online or spoke with a rep that day. That continues to be there reason, ignoring the verification I have sent to them. 
I have been disputing this for over a year now and my mortgage continues to show 1 month behind. 
They are the worst company I have ever dealt with!
Product: Checking or savings account

Hi, I am a customer of HSBCnet and I have a business account, in order to log in to my account I must use a security device that generates pass code, on XX/XX/XXXX my security device went dead, I reported this to HSBC and they promised to ship me a new device. It has been 2 weeks since I requested this device and my business operations completely stopped, I can't pay for merchandise, I can't do anything. I have been on the phone with 3 different CS and all of them told me that my devise should arrive soon but nobody could provide any tracking number. 
I am still locked out of my funds, I have losses and I have to pay penalties for not making timely payments and wires and yet nobody cares about it at HSBC, it is a SHAME!!!
Product: Credit reporting, credit repair services, 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 XXXX5 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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: Student loan

Mohela has taken over for navient in which they are no better. However mohela is saying I owe over XXXX in student loans for a school I never applied for and I have reached out to mohela several times sending them proof of all my loans are paid in full and this issue is still not resolved and it's been going on XXXX  years
Product: Debt collection

I was called by the collections agency on XX/XX/23 for rental books from my college 's bookstore I was sent to collections for " not returning ''. I have returned them. I told the agency not to contact me anymore. They then contacted me again on XX/XX/23. I did not verify my name and again repeated that they did not have permission to contact this number. The rep, named XXXX, then proceeded to list off all of the phone numbers on the account and asked whose numbers they were. She had no right to share any phone numbers or information with me. I never said or confirmed I was the person she was calling for. When I pointed this out and asked to speak to her supervisor, they were supposedly unavailable.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Student loan

I am having issues using my XXXX XXXX XXXX XXXX and XXXX XXXX payment of interest during my time of service with my student loan provider ( FedLoan ). I submitted an interest payment request through my.americorps.gov portal on XX/XX/2019 and it still shows " pending institution action, '' institution being FedLoan. I  sent an email to FedLoan last week about this issue and have not hard back. Before my student loan provider was switched to FedLoan, I had no issues with XXXX processing requests very quickly from my.americorps.gov XXXX. I worry about how long this request has taken and how it will impact possible capitalized interest.
Product: Debt collection

I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on Experian reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX  is showing on my credit report that I owe them {$440.00}. I have been out of the country doing XXXX XXXX came back after 5 years overseas to find out someone open a XXXX  XXXX XXXX  account and my name this is not mine I have never had a XXXX  XXXX XXXX account this needs to be deleted from my credit reports today I did not open this account this account is not mine
Product: Student loan

I am a public servant enrolled in an income driven repayment plan, pursuing public service loan forgiveness ( PSLF ). The department of education has published guidelines on their website regarding resuming payments after the end of COVID forebearance. Per their website, since I was already enrolled in an income based plan, I will remain on that plan and I will not be required to recertify income until XX/XX/XXXX at the earliest. However, my student loans were recently transferred from XXXX to MOHELA, and my payments went up from $ XXXX to $ XXXX. They said the only way I could reduce my payments was by recertifying, but this is contrary to information on the studentaid.gov website, and recertifying will still increase my monthly payment as my income has increased since before the COVID forebearance began. Based on my understanding, my payment should resume at the previous amount, $ XXXX, and my recertification should not be due until XX/XX/XXXX. By forcing me to recertify early, I would be paying higher amounts than required from XX/XX/XXXX to XX/XX/XXXX. The customer service at MOHELA has been unhelpful, said they were unaware of the XX/XX/XXXX recertification date, and had no history of my prior payment amounts as this information was not transferred from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company sent billing to wrong address when trying to make a partial payment on account representative told me that I could not make a payment until balance is fully paid. These were in between the dates of XXXX XXXX Would like to have those late payments removed from my credit report.
Product: Checking or savings account

In XX/XX/XXXX, I Filed claims for the unauthorized transactions where Suntrust Bank allowed additional transactions to be charged from the merchant on my account. I filed a subsequent claim and requested a block for the merchant and a written response for the action taken. The fraud case determination was not in my favor and i requested all documentation used in the determination or the case be sent in writing on XX/XX/XXXX. As of today I have not received any further communication on any of my requests, only denial letters which does not provide any new information. I am not responsible for the fraudulent transactions and find Suntrust 's lack of communication on the requests to be an admission of making case determinations without merit.
Product: Credit reporting or other personal consumer reports

on or about XX/XX/year> i sent via certified mail commutation to Experian regarding numerous instances in which Experian have violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy of information in consumer credit reports.

Experian utterly failed to take all necessary steps in insure FCRA guidelines and protocols are being meet. I have suffered irreparable damage to my person as a result of this.

EXPERIAN has failed to disclose the sources of information contained in a consumers file in response to consumers requests.
Product: Credit reporting or other personal consumer reports

on my credit report, its saying i owe a debt to XXXX XXXX XXXX, which is an third party debt collector thats NOT licensed and bonded in the same state i reside in. nor was a contract signed stating i owe them a debt, its in my credit report illegally ive tried multiple times to get disputed. all experian says is verified and update but nothing was verified or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various concerns with multiple insertions on my credit bureaus from a few publishers, I am leaving in this complaint. For the record from XX/XX/XXXX til XX/XX/XXXX. I have been out of the country and was advised that my identity was fraudulently used. I was in XXXX XXXX - XXXX XXXX XXXX and I noticed from a prior issue I challenged. There are ( 2 ) insertions that were fraudulently obtained without my knowledge and consent regarding ( 2 ) accounts listed on my XXXX and XXXX bureaus. The first complaint I wan na make a complaint on is ( Possible Financial ) - Account # XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The second complain involves ( Possible Financial ) - XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The Third complaint involves ( XXXX XXXX XXXX  XXXX, this company is reporting negative information regarding a closed account with the dates totally wrong. I recall this account being opened and closed on different dates than they have been reporting. am requesting that ( XXXXXXXX XXXX XXXX ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX.
Product: Checking or savings account

I opened an account with Citibank online in a completely legitimate way using a coupon code I received from a friend. I promptly transferred my funds to them last week ( XX/XX/2021 ) however today I was notified that my account was closed and they are severing the relationship with me completely without a reason. Furthermore, I have already transferred a significant amount of money ( {$30000.00} ) to their account which they are refusing to let me withdraw without having my debit card, which they haven't sent me yet. I am unable to function on a day-to-day basis without this money ( I sent them all of the savings belonging directly to me ) and they are asking me to wait up to 60 days!
Product: Credit card

XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.