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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited my work bonus check on my chase account thru the online app portal to serve me some time goin to cash the check or even driving, deposit was made on XX/XX/XXXX for the amount of {$800.00} from the company i work for a hold was place till XX/XX/XXXX which the check cleared into the account. On XX/XX/XXXX i walked into the branch provided all information needed from paystubs to my direct deposit which i received them on my ( XXXX  temporary ). I provided all emails, text, calls, my information and position in the company. When calling on XX/XX/XXXX to customer service they said the needed to call the maker of the check to verify, i stated to go on website get all the information they need to verify the check even i provided a number i mean there system of verification is the worst. After more than 20 calls on different departments, different agents i get multiples answers, i even get direct deposit from another income and not even that i am able to use or withdraw. Chase has frozen my funds that i work for very hard. This is unfair for them to hold my direct deposits funds. I understand a hold on the check but not my funds. Even after it cleared and made available and provided additional information they still have my account restricted after 13 days and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not login into my Experian account, and can not find a representative for assistance. I have lost about 4 hours over the last 24 hours trying to effectively reset my account password and unfreeze/freeze my credit. 

XXXX I finally reached a representative who reset my password, but my account has been locked and the online reset didn't work. So I needed to reach a representative again. I don't know how I found one to start with, since the phone queue does not have an option for a representative. I am really stuck and cant get help. 

The Experian phone log refers to a link on the Experian webpage for problems logging in, I can not find it XXXX Today I tried to reset my password and it didnt work. I receive the link but it said the Experian webpage was unable to change my password. I dont know if this is a website problem or my account is locked. I tried to reach a representative but I need a business account to reach someone, not a personal account Today emailed XXXX and am waiting for a reply Can you please ask Experian to help me with my account access? I need to update my security information and have access to freeze/unfreeze my credit. A phone number for a real representative that doesnt filter me out would be great
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I requested our annual credit reports from Experian, XXXX, and XXXX and received them this month ( XXXX ). The XXXX  and XXXX reports are easily legible with black type on a white background ; however, Experian uses a color-block payment history legend that is illegible for those individuals who have various degrees of color XXXX. As a result of this condition I am unable to visualize white lettering on a pale yellow background which Experian utilizes for the following payment history designations : Current/Terms of Agreement Met Account 30 days past due Account 60 days past due Account 90 days past due Account 120 days past due Account 150 day past due. 

The payment history legend utilized by Experian appears to be designed to confuse the consumer. Using a black type against a white background as used by XXXX and XXXX  would improve comparability between the credit reporting agencies and ultimately be of great benefit to the consumer.
Product: Credit reporting or other personal consumer reports

Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score/report, XXXX/XXXX 2017. delete my AMX data totality. AMX Credit card has been with me for 15 years with a excellent payment record. I called AMX Credit Bureau dept to get it fixed. AMX advised it would be fixed. AMX has done nothing. I wish to lodge a complaint on AMX. I am still with an AMX credit card ... .still with excellent payment record. However, it is no where to be found on my credit report. This should linger on AMX customer service records ( AMX License to do business ) for 7 years, as it would on my report if it was a bad remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am verifying my identity. That what you receive is from me. My ID is enough to verify me in every response I give you.
Product: Vehicle loan or lease

I called Santander consumer USA about my account to ask about assistance due to the California Wildfires specifically the XXXX fire which was declared a Federal emergency. I advised them that fire caused a hardship because of loss of income. It states on their website to call them and ask for help. I advise them that I had been out of work for a few months and and had started working a about a month before the fire hit and caused my work to. I then advised them that I would make a double payment on XX/XX/XXXXto help bring my account current. I spoke with XXXX who submitted the request and advised it would have to be approved by upper management and would take about 24-48 hrs. This was onXX/XX/2018and I was told that a payment extension request would take care of 2 months of XX/XX/XXXXand XX/XX/XXXXor XX/XX/XXXX and XX/XX/XXXX. In about and hour the request was sent to my email stating that it was denied due to payment history. I gave them the reason why the account fell further behind due to a natural disaster. I would have been able to make the payment if I didn't miss two weeks of pay. I would have been able to make at least the XXXX.Either way I would have to make two payments of XXXX  each by XX/XX/XXXX. I also called in on Tuesday XX/XX/XXXXand was told my husband has to speak with them because he is the borrower on the account even though I am authorized to speak on the account and I have made decisions before. I was never told that the account was up for repossession in all of the times I have called no rep ever told me that. I also assured them that I would be able to make future payments on the account because I now have stable income coming in on a consistent basis. I am really trying to get some help the fires set me back about 2 weeks of pay and other expenses. I would really appreciate if someone could help set up some arrangement or help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loan servicer XXXX sent me a notice dated XX/XX/XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Product: Debt collection

Pursuant to Florida statute 695.26- " No instrument by which the title to real property or any interest therein is conveyed, assigned, encumbered or otherwise deposed of shall be recorded by the clerk of the circuit court unless : ( d ) " The name of the notary public or other officer authorized to take acknowledgments or proofs whose signature appears upon the instrument ''. Section 694.05- '' Any deed or conveyance heretofore executed and acknowledged in accordance with provisions of the act 24,1873, entitled " An Act providing for the acknowledgment of deeds and other conveyances of lands '', shall be held good and valid. Section 694.08- a conveyance can not be validated in the absence of the acknowledgment. Section 679.2031 - '' A security interest attaches to the collateral when it becomes enforceable against a debtor with respect to the collateral, however not until the following condition is meet : 1. " The debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned. '' The lack of acknowledgment on the loan modification renders the instrument invalid in this state, the statutes are straight forward. The loan modification does not reflect the legal description to the subject property. Can a mortgage be reform in Florida? it depends on the contract itself ... .if there's a simple scrivener 's error it can be reform, however not in this case. Why? Because the legal description is missing in it's entirely. The instrument must be destroyed and the mortgage must go back to its original status. Under Florida section 697.02 .... " a mortgage shall be held to be a specific lien on the property therein described, and not a conveyance of the legal title or the right of possession. Mr Cooper filed a lawsuit on behalf of the alleged owner of the note claiming a breach of contract based on the loan modification. Mr Cooper has engaged in a frivolous complaint as the loan modification is invalid and never conveyed title to anyone. You can not enforce an instrument where has no enforcement and /or invalid in this state.
Product: Credit reporting

I submitted a complaint on-line, but I do not have a complaint number, so my complaint has probably fallen on deaf ears. 
I was able to get my credit reports from XXXX and XXXX without difficulty. Each of them had a list of questions pertaining to my previous employment and/or credit. These were factual and represented transactions that applied to me. 

Equifax, on the other hand, asked me questions that had nothing to do with me. Then, they said that " For my protection '', I had to mail them personal identification ( copies of my SS card and Driver 's License, for example ). This happened XXXX times. THE QUESTIONS HAD NOTHING TO DO WITH ME AND NOTHING TO DO WITH ANY CREDIT IT HAD APPLIED FOR OR RECEIVED. 

This happened XXXX times. I could understand their doing this XXXX time, but XXXX times is excessive and represents a deliberate attempt to keep me from getting my credit report. 

In addition, their requirement that I send the documentation by mail subjects me to the possibility of identity theft. A secure on-line connection where I could scan the documents and email them would ( if their site is secure ) provide me with better protection than having to send sensitive, personal information by mail. 

I suspect that I am not alone in having this problem with Equifax. Either they have a lot of erroneous information about me or they are deliberately trying to circumvent the law. 

If I find that this is the former - that they have so much erroneous information about me, I will amend this complaint.
Product: Checking or savings account

Then you keep saying that I would. I'm not eligible for a refund check. But I have closed my account on XX/XX/XXXX of this year, and they refused to return my funds back to me. That was in that account as I close the account. 
I've been fighting with them since then. And they've still refused to return my account, stating That day closed. My account and I have not closed my account. And it's not in regulations to give my money back but I have stated to them that I was the one to close my account and I demand my money back, but they will not give me my money back. And so from this day, they refused to give me my money. They did promise to return my money within 30 days of closing the account but now they're saying That I'm not eligible for a refund. Check. 
Which is false information Because I was the one that closed my account, and I'm not returning any services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX  $ XXXX XXXX XXXX for $ XXXXcapital one  {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.
Product: Credit card

I asked for recurring payments to be scheduled. Bank of America will only allow recurring payments for the minimum amount due for any given month or the pay-off amount. These limits on payment options is making it more difficult to pay off the debt and allows BOA to collect more interest. Also, on XX/XX/year>, I called in to report fraudulent activity on my account and the fraud department staff REFUSED to investigate my complaint.
Product: Debt collection

The original account was a XXXX  account fraudulently opened in my name sometime in XXXX. I disputed the original account and it was removed from all 3 credit bureaus. Now Jefferson capital is trying to attach to my credit report with a new opening date of XX/XX/XXXX. This debt is already about 7 years old and they are known for trying to reage debt. I have never had a XXXX  account. I had XXXX at the time and have XXXX now . XXXX already removed them from my credit file and I'm currently waiting for XXXX to finish the dispute. Jefferson capital is very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher. 
I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX # XXXX, XX/XX/XXXX# XXXX, PORTFOLIO RECOVERY # XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

XX/XX/23. Over the past year or so, I've made multiple attempts to get in touch with Capital One to discuss this problem. They are unable to give a justification for rejecting my request for CLI access. My account card has been with me for more than six years. The most recent denial letter I received from Capital One omits a justification. Just a simple " not available upon request '' message. This is the typical justification for a protected card account ; nevertheless, the card in question is not secured and was graduated long ago. stuck with a {$500.00} limit even though other banks have given me limits of {$6000.00} and higher. When I call and inquire as to the cause, this is utterly absurd. I am unable to get any meaningful information from the representatives. This is not appropriate behavior for a financial institution ; all other banks provide justifications, such as a poor credit score, too many queries, a history of late payments, and Capital One has previously provided that justification for this account. They can no longer give a rationale and instead just say this after I have explained everything and waited. Additionally, my explanation is not included on the back of the letter, which states to look there for a denial reason.
Product: Student loan

I've had two major issues arise from Navient 's mishandling of my loan 's forbearance paperwork. One is that they claim my account was not in forbearance for a two month period and do not have records of the paperwork. Two is that they put this on my credit report as a missed payment for each of my 5 loans for two months totaling 10 late payments on my report. Navient has refused to correct this when contacted and claims they are in the right. 

1. These late payments vary across the bureaus but on XXXX  it shows XXXX and XX/XX/2014 and on XXXX it shows XXXX and XX/XX/2014. This is all around the same time period Navient split from Salle Mae and in all likelihood mishandled my forbearance. 
2. The first late payment is listed as a 90-119 day late and the second is listed as a 120-149 day late. How is that possible if the proceeding months are listed as current? 

3. Navient applied a late payment to each of my loans separately showing a total of 10 missed payments across two actual missed payments which should not of been shown as missed in the first place. This has been detrimental to my credit report and prevented me from placing my own name on the mortgage of my own house due to high interest not to mention my car loans high interest as well. I verified this when I disputed these payments and the loans temporary came off increasing my credit by 80 points! Only to go back down once they were re-added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Debt collection

I've made repeated requests for this agency to validate this alleged debt and each time they fail to respond and/or send fictitious, made up documentation. Also, they make repeated calls to my personal phone, business phone, home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.