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

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, EXPERIAN and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a biggest XXXX joke big not trying to help and trying to get in personal information XXXX time in the last XXXX mouth I gave them my personal info XXXX mouth ago im notgoing to do it again get your XXXX XXXX stright andstill having problems getting my credit score with credit hero score and u bunch XXXX. 

I'm dealing with XXXX hope your XXXX happy about it to make people feel XXXX sick
Product: Money transfer, virtual currency, or money service

I have been defrauded by this financial payment service - WISE. 
Here is a summary of what transpired : XXXX XX/XX/2024 : Account deactivated XXXX XX/XX/2024 : Appealed deactivation decision. 
XXXX XX/XX/2024 : They confirmed my account would stay closed. 

Before account deactivation, I had a total of XXXX USD. After XXXX  days of receiving my funds, I requested for account statement, only to be met met with a shocking figure of XXXX USD in which XXXX transactions XXXX and XXXX were reversed on the XXXX XXXX, XXXX. I was never informed of any dispute. 

Furthermore, I asked for the balance to be sent to the account provided. On the XXXX XXXX, XXXX, I got a reply that my balance has already been sent out. I requested for the transaction receipt which I got and saw that it was sent to an account which I didn't know at that moment. 

I appealed to them same day. And on the XXXX XXXX XXXX XXXX, I received a final response stating that the money was disputed by the person who sent it and it was reversed back. They sent a receipt which the funds were reversed on the XXXX XXXX XXXX 

All these disputes and reversals were without my notice. I was not informed. I was not given any opportunity to counter the dispute. They took the decision on their own. I was never sent any dispute form or comlaint.

I have worked so hard for this money only for it to be taken away without information or notice.
Product: Checking or savings account

Tried to fund a trading account with XXXX, didn't go through. 
Said BANK OF THE WEST-PERSONAL & SMALL BUSINESS is blocking you from enabling external applications. 

Called customer service, they saw no problems, and that was the end of their help.
Product: Student loan

On or about XX/XX/XXXX I submitted the attached Income Driven Repayment Plan Application. I was going to select the Savings on a Valuable Education ( SAVE ) Plan, but Aidvantage sent me an outdated application that expired on or about XX/XX/XXXX, as can be seen on the top right hand corner of page one ( 1 ) of the attached application, and did not have an option to select the SAVE plan. 

As can be seen on page one ( 1 ), section two ( 2 ), of the attached application, I selected the check box to be placed on the plan that would have resulted in the lowest monthly payment since there was no option to select the SAVE plan on the outdated, expired application that Aidvantage sent to me. 

On information and belief, I have reason to believe that this is a pattern of illegal business practices in violation of Business and Professions Code Section 17200 that Aidvantage is engaged in to prevent borrowers from being able to enroll in the SAVE plan prior to the federal court overturning the plan.
Product: Debt collection

This collection amount of {$560.00} was incorrectly placed on my credit report in XX/XX/2017 and I had no idea it was there because I never received any notice of it. This debt should not be in my credit file because it does not belong to me.
Product: Credit card

I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Payday loan

I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit. 
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.
Product: Debt collection

National Collection Bureau , Inc., a debt collector. Contacted me via telephone using an anonymous phone number to deceive me into accepting a contract that I have no idea about. This language is profane, and violates my consumer rights. 15 usc 1692 protects me as a consumer from abusive and misleading phone calls @ XX/XX/XXXX, XXXX. The bogus phone number that they used to contact me was XXXX XXXX. This is false and misleading. I would like to see for damages of {$1000.00}, for violating title 47 u.s.c 223 ( b ) ( 2 ).
Product: Checking or savings account

In XXXX, 2018, I learned that my M & T checking account was overdrawn. I discovered that someone had used my account to make a purchase on XXXX. I contacted XXXX and the charge was reversed. I also notified M & T bank. However, insufficient funds charges and penalties had already been imposed. XXXX restored the money to my account, however M & T did not remove the insufficient funds fees and penalties. Furthermore, the bank took the money returned by XXXX, approximately {$8.00}. Now there is a collection agency demanding {$89.00} for the improperly assessed insufficient funds fees and penalties threatening to damage my credit. M & T must be held responsible for its error and continuing harm it is causing to me.
Product: Money transfer, virtual currency, or money service

The issue happened at approximately XXXX on XX/XX/2020. I tried to transfer {$12.00} from paypal to my bank account. I have done this many times before without any issues or fees. It somehow defaulted to a fee option which charged me for an immediate transfer which I did not need immediately. They did not make this a concious selection and they need to make it obvious what the fee amount is going to be.
Product: Debt collection

I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.
Product: Credit reporting or other personal consumer reports

There's an unauthorized account on my report that is hurting my credit.
Product: Mortgage

We received the reply from Fay Servicing and they sent mail correspondence to the wrong address and we sent all the info they needed several times!!!! I have copies of the emails that successfully was sent!!! How is it our fault that Fay Servicing didn't process our emails at all!! Everytime we called we got different answers!!! With first complaint, I sent screenshots of the emails that went thru! We need to keep our home and I have emails confirmed of sending proper documents from XXXX thru XXXX! This is not right!! XXXX has federal attorney for sister ... .I guess we have to call her! 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The records are reporting erroneous personal information. There are host of misspelled/inaccurate names and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, XXXX, XXXX, and to a lesser extent Trans Union update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that Trans Union has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Product: Vehicle loan or lease

I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and DELETE them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XX/XX/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: Student loan

On XX/XX/XXXX, I paid off the remaining balance on my student loan. When I made the payment on XX/XX/XXXX, I overpaid my student loan by ~ {$190.00}. 

I have contacted Nelnet ( the federal student loan servicer ) to inquire about receiving my refund. Nelnet confirmed that I overpaid, however, they are unable to give me any information about when I will be sent my refund. It is now almost 60 days past the original overpayment. I have called Nelnet repeatedly, but no one on their end can provide an accurate answer as to when I will receive my funds. 

As of the week of XX/XX/XXXX, I received a {$9.00} refund from Nelnet. I am still short {$180.00}, and trying every means possible to resolve the issue. As the servicer for the US Government 's student loan program, Nelnet is not providing the customer service commensurate with the responsibility that the federal government has granted them as the loan servicer for the student loan program. If the tables were reversed, I would be charged late fees and incur penalties for not making payments on time. However, when I have effectively lent the US Government 's student loan servicer {$180.00}, I will receive no interest or recompense. As a concerned US citizen, I urge you to make amends and help me receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I have tried getting an answer from Citizens Bank, despite my wife and I being current customers of the bank regarding a promotional offer we were supposed to receive a {$300.00} bonus per the terms of this promotional offer. This {$300.00} bonus was supposed to be deposited into our checking account by XX/XX/2023 but we still haven't received it. When I tried contacting XXXX XXXX from Citizens Bank in XXXX, MA, Im still not getting any response as to what the reason for the delay is and if/when we can expect to receive this.
Product: Mortgage

Ive had issues with Freedom Mortgage Over the last year since applying for my second loan with them. I was a Freedom customer 10 years ago and they were awesome, but now seem to be always behind. When we initially closed, they only paid for a portion of my homeowners insurance policy, leaving me without coverage during hurricane season and causing me to pay an additional {$2300.00} out of pocket for a last minute plan prior to the arrival of Hurricane Dorian. The initial closing process itself passed me around to mortgage experts who rarely answered their phones or returned my calls. They didnt seem to care how long it took to get my paperwork through and almost cost me my house in a competitive buyers market. More recently I attempted to refinance my loan, only to get stuck in the closing process waiting my for XXXX payment to post. I had to call them four separate times over a period of three weeks to finally schedule the closing. Now this morning I took off work to wait for the notary who was supposed to be here at XXXX XXXX. She alerted me last night that she didnt have the closing documents. The closing company called me this morning to tell me there was a delay in receiving the documents from Freedom. Not once did Freedom call or reach out to tell me the plan would change. When I called them to complain the response was well we are happy that the documents are finally out and there are no problems. This complete lack of accountability on Freedoms part is wholly unsatisfactory and disappointing in the lack of oversight and leadership displayed in multiple departments. They seem to have a culture of sub-par work at the expense both in time and money of their clients. I recommend they take steps to implement stricter QC and timeliness policies to avoid jerking people around like this in the future.
Product: Debt collection

Collection Agencies : XXXX XXXX XXXX and XXXX XXXX XXXX  The above collections are trying to collect from me under false pretenses and they are damaging my credit report. They have reported themselves as the Original Creditor when I never applied for anything from them. This is fraudulent and they are in violation. I don't even have an application on file with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested the free annual copy of my credit reports pursuant to the Fair Credit Reporting Act ( FCRA ). This request was submitted to the Annual Credit Request Service via USPS Certified Mail Receipt Number XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/year>. 

I have received the reports from XXXX and XXXX. As of today however, I have not received a copy of my Equifax credit report, nor have I received any response from Equifax regarding this clear violation of my consumer rights. 

According to the Annual Credit Report Request Form, if additional information was needed to process my request, the consumer credit reporting company was supposed to contact me by mail. The company has not contacted me nor sent me the credit report. 

I have a Right to a Copy of my Equifax Credit Report. The federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to receive free copies of their Equifax consumer reports and to dispute any inaccuracies. Equifax is a consumer reporting agency under the FCRA and is required to give me a free copy of my report every year. I have the right to receive that credit report on an annual basis and to dispute any errors I find that Equifax made.
Product: Student loan

There are still {$500.00} in payments that are missing on these dates. 
where did these two payments go? I have sent the bank statements to all parties involved. XX/XX/scrub>XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an XXXX account that is fraudulent, the address that was used also is incorrect and fraudulent. 

XXXX XXXX XXXX PENN CREDIT CORP XXXX  {$460.00} Service date : XX/XX/
Product: Debt collection

I disputed this claim on all three reports for over 1 year now. I sent notarized letters, disputed through a credit repair paid company do no avail. I called and spoke with three different people on a call that took over 1 hour. I told them I DO NOT have a balance due and I am not the one who has an account for {$240.00} for XXXX - The representative pulled up an account that was only XXXX cent! They told me they found a true account that I was able to verify was MINE for XXXX cents. I was told they will investigate the fraud account stated here and I would get a letter. On XX/XX/2019 I got a letter stating the account was MINE. There were no more calls, proof of ID 's shown to open an account or where hte account was located. I now have damaged credit and a victim of fraud twice, with whomever opened this account in my name ( AND they used my maiden name, XXXX and not my legal name to open it which is XXXX ).  This company should have to provide proof of IDs shown to open this account - and to say they have another account with only XXXX due that is NOT on my credit that I was able to CONFIRM was in fact mine, then leave this fraud account in my name in collections for {$240.00} does show a direct attempt to cause harm to my credit report knowingly.
Product: Credit card or prepaid card

Conduent is XXXX debit card for child support, and unemployment. They restricted thousands of cards last night at approximately XXXX, unable to check balance, use for any transaction, and withdraw our monies off the card. This has happened time and time again and they say its the OESC and the OESC says its Conduents fault. No one will take blame or accountability for the mess.
Product: Credit card

This company is sharing non public personal information about my relationship with this company in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Product: Credit card or prepaid card

No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citi Cards/Citibank XX/XX/22 . If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!