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

In XX/XX/XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XX/XX/XXXX and were fraudulent. I initially contacted the creditors who were XXXX, XXXX XXXX XXXX Comenity CapitolXXXX and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my XXXX   credit report. I sent multiple letters to XXXX  to remove these as they were fraudulent and attached the police report. I then had to call XXXX   and advise them to remove. They ended up finally removing on inquiry ( XXXX, XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to XXXX  and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the Comenity Capitol/XXXX inquiry. I have included a rough timeline of events below. 

XXXX fraudulent hard inquiries XXXX-Both creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XXXXPolice report filed XXXXCalled XXXX  and they advised they would remove these XXXXMailed a complaint and police report to XXXX  to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to XXXX  where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XXXXCalled XXXX to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

XXXX continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX  loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a XXXX XXXX and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from Experian and XXXX as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy f my credit report where XXXX Continental Bank continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from Continental Bank / XXXX XXXX XXXX for ID
Product: Student loan

My federal student loan servicing company is Mohela, and I have been working toward Public Service Loan Forgiveness since XXXX. I have submitted the same request to CFPB, but given the lack of responsiveness and accountability to date I am reaching out to both Senators XXXX and XXXX and Representative XXXX. 

XX/XX/XXXXXXXX  is the 120th month of eligible payments on my 13 separate loan accounts, which would make them eligible for Public Service Loan Forgiveness ( PSLF ). The due date on my account is the 1st day of each new month. Following the end of COVID-era forbearance, I resumed payment under the SAVE plan with a monthly payment of {$160.00}. The XXXX payment ( due XX/XX/XXXX ) of that amount was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment ( due XX/XX/XXXX ) was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment of the same amount was made on XX/XX/XXXX, following receipt of the billing statement. 

The PSLF " Payment Tracker '' on my Mohela account reflects the XXXX and XXXX payments as being eligible and are reflected in my current count ( as of XX/XX/XXXXXXXX XXXX XXXX  ) of 118 eligible payments. XXXX is reflected as " ineligible '' for " Deferment or forbearance exists for this period. '' XXXX is not yet reflected in either, as the month is not yet complete although my billing date ( XX/XX/XXXX ) has passed. I submitted a PSLF form, signed by my public sector employer, on XX/XX/XXXX. Because this is after my payment due date ( XX/XX/XXXX ), I was advised by Mohela that this would be an eligible payment for XXXX and should have marked the 120th month of repayment and full eligibility for PSLF. 

I called Mohela today ( XX/XX/XXXX ) and following a 90-minute wait, was told that this forbearance was placed on my account after my XXXX billing statement had been issued and payment had been made on XX/XX/XXXX. I requested that this forbearance be removed, as it was not requested and a payment was made in response to the XX/XX/XXXX7 billing statement for the XX/XX/XXXX due date. 

I was told this was not possible, though the account never should have been placed in forbearance since a billing statement was issued and payment received for the month. I was advised that I could either wait for the XXXX status to be updated ( estimated date of XX/XX/XXXX according to the representative ), or make a payment in XXXX ( ultimately the 121st payment, beyond the requirements for PSLF eligibility ) and request yet another PSLF form be signed by my employer. I have met the requirements for PSLF forgiveness, and Mohela 's negligence and lack of responsiveness are unnecessarily delaying this federal benefit. Furthermore, there is no recourse for me as the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXX XXXX, Account number XXXX XXXX Date opened XX/XX/XXXX. XXXX, XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened XX/XX/XXXX. The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.XXXX XXXX
Product: Debt collection

i have received several calls from a number XXXX and similar numbers XXXX I answered. I got a woman who asks for me and began to ask other personal information i stated who is this and what is it in reference to she told me her company was Receivables performance management. I said i do not do business with you what is this in reference to- she kept asking me to confirm details and i again said i do not do business with you who and what is this in reference to. she said a personal matter. I told you who i am and i am the person so until you can give me the information i asked you for i am not confirming anything. I called back originally to see if the number was spoofed and people answered the phone i was transferred to a few people because no one would answer my questions. I got a call at work answered it and the same thing arguing with people when i asked for 1 simple piece of information. I told her this is why i am filing a complaint she stated they are not handling complaints right now!!! what ridiculousness is that! Also if they are a 3rd party collection agency they have violated fair debt because they keep calling even after I told them not to contact until they can tell me what its in reference to and they also violated the number of times you can call legally
Product: Checking or savings account

USED XXXX ON MY CHASE ACCT TO SEND MONEY TO MAKE A PURCHASE TO ANOTHER XXXX USER AND DID NOT RECIEVE THE GOODS. CHASE NOR XXXX WILL DO ANYTHING TO HELP GET MY MONEY BACK FOR GOODS NOT RECEIVED.
Product: Credit reporting

None of the above choices applies to the situation I 'm complaining about. Therefore a " yes '' or " no '' answer to the question, " Have you disputed the issue with the credit reporting company .... '' is not possible. The credit reporting company ( Equifax ) has PREVENTED my attempts to dispute directly with them. Here is the complaint : Using XXXX, I discovered a collection account on my Equifax credit report that I wish to dispute. I attempted to use Equifax 's online dispute form to initiate the dispute. 
The Equifax dispute form requires a XXXX-digit confirmation number. In other words, I would have to purchase a credit report from them in order to initiate the dispute. That 's my complaint : There 's no way ( that I can discover ) to initiate an online complaint with Equifax without paying them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.
Product: Credit card

On XX/XX/XXXX at XXXXXXXX XXXX I received an email from chase stating my account is past due. I immediately got concerned because I always pay all my bills on time and in full each month. I tried to log on to the chase website but had to get a new password because i hadn't used the online option in years. I finally got on the website and was able to print the last few statement but they were only interest and fees no actual purchases. i called them the next morning was on the phone with them for hours. I was told by an employee XXXX that they see someone change the address in XX/XX/XXXX I was asked to hold on she came back on the line after a long wait and told me they changed the address because they say fraudulent activity on my account and tried calling me many time to let me know with no answer. I DID NOT CHANGE THE ADDRESS back in XXXX like they are now saying. I did request they use my current address going forward I sent them {$270.00} that same night I saw the past due email not knowing what that amount was even for. In XXXX Chase changed my address to XXXX XXXX XXXX XXXX XXXX NJ XXXX I have not lived there since XXXX. I was not getting my statement and had no idea I was past due.After an hour on the phone and their story changing about the address change I decided to closed the account. I asked for all my statement since XXXX to be mailed to me. I was told they would and they DID NOT. 
TODAY I received was a XXXX statement showing more interest and more fee. I have excellent credit this is so wrong for them to do to people. shame on Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters via certified mail out to Experian, XXXX, & XXXX regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.
Product: Checking or savings account

I mailed a check ( my bank is Umqua bank ) for {$36000.00} written to XXXX XXXX  back in XX/XX/2023. The check was stolen from the mail and forged into another name ( the name they used XXXX XXXX # XXXX ) and deposited into a XXXX XXXX account. By the time I realized that XXXXXXXX XXXX never received my check- the check was already cashed. 
This check was written out of my business checking account and it has been on restriction for a month now while the Fraud Department at Umpqua is " figuring it out ''. The manager at my branch..XXXX Umpqua has been helpful - XXXX XXXX ( XXXX XXXX ) but she can only do so much- their general fraud department is giving me the run around. 
There is a police report filed : case # XXXX Detective assigned to case : XXXX XXXX XXXX XXXX This is a large sum of money and I need to know if I need to retain an attorney or an insurance agent to help me find out what steps I can take to get this covered.
Product: Checking or savings account

By far, Bank of America is the worst bank ever. I deposited four checks on XX/XX/XXXX into my business account in time for them to clear on time for payroll and purchases, only to find out that Bank of America placed 10-day holds on every single check I deposited. Four different customers and four holds. Needless to say, their actions have caused undue hardship for my business and employees. When I contacted the bank, the clueless rep repeatedly said that the holds were placed to protect me since they had reason to believe the checks would not be honored. Really? Three of the checks were from repeat customerstotal XXXX XXXXXXXX. I will take my business elsewhere as soon as my funds are available.
Product: Credit reporting or other personal consumer reports

I always paying my debts I can't remember I have late payments. Please delete the following late payment status from my credit report. Also the 3 bureaus saying I using credit repair company to send out letters which is incorrect because I'm sending letter on mu own Late payment accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted Bank of America several times after my account was closed within 2 months of opening with no notice. The account was closed during the hold period for a recently deposited check. That money was claimed by Bank of America and has not been returned to me. When I asked when I should expect the check for the remaining balance in the account before it was closed, I was told 7-10 business days. When I responded that it had been well over that time frame and I still hadnt received any checks, I was told there was nothing I could do about it.
Product: Debt collection

On XX/XX/XXXX, National Business Factors reported a delinquent balance and collection account to credit reporting agencies in the amount of {$130.00}. We reviewed are records and could not locate any previous information of this collection attempt, alledgedly taking place around XXXX of XXXX. I may have documentation about this, but would have disputed and requested for verification. NBF would have not have been able to validate the collection attempts. 

On XX/XX/XXXX they were notified that they failed to validate the debt and to stop collection attempts. 

We received a letter dated XX/XX/XXXX from NBF stating that they are unable to locate the collection attempt and that they needed more information. We provided all information noted on the credit report for the collection attempt.

NBF has done one of the following, 1 ) NBF failed to notify us of this collection attempt. Therefore, we dont have the information you are requesting to identify the account. I highly doubt that NBF is unable to determine the account we are referencing since NBF reported it to the credit agencies, without just cause. I imagine a person with a low IQ would be able to find this account in your system with limited or no training. In previous correspondence that we sent, there was enough identifiable information included for NBF to find the account.

2 ) NBF failed to respond and properly validate such collection attempt. NBF has sent other collection notices and for each one, have failed to provide proper validation. 

NBF does NOT verify their collection attempts. They send a form letter stating that we should receive information directly from the company they are attempting to collect for. At no time has NBF properly validated their collection attempts and have reported to credit agencies without proper cause, which has resulted in financial hardship and likely denial of credit during a time when credit is needed. 


NBF needs to be investigated for their collection attempts. I imagine many others have attempted to get proper verification and have failed to receive it, but NBF continues collection attempts. I hope CFPB will investigate and fine NBF as appropriate for each violation.

NBF also uses different letter head, fonts and names with its correspondence which makes it very confusing and difficult to know what they are writing about.
Product: Checking or savings account

My bank is 5/3 in XXXX, Ohio. At the close of the year, XX/XX/2021 I noticed pending withdrawals had been placed on my checking account. I immediately visited two branches the branch at XXXX XXXX, XXXX, Ohio, and spoke with XXXX XXXX about the issue. She allegedly froze the account. I then continued to notice a third and fourth withdrawal was placed against my account. I again visited the XXXX XXXX branch and spoke with XXXX XXXX. She allegedly filed a dispute regarding the matter. 
I also followed up with phone calls with the bank in which I spoke to several bank agents attempting to resolve the illegal withdrawals over the phone. I received a letter in the mail informing me the most recent withdrawal has been denied. I called to question why the denial and the only explanation I could get was according to their policy I did not file a dispute within a 24 hour period of the withdrawal. I strongly disagree with that charge, because I phoned consistently and visited two branches regarding this issue.
Product: Money transfer, virtual currency, or money service

The issue is with CashApp investment department. On XXXX XXXX Cashapps systems malfunctioned due to an unknown issue, after this occurred my account had changes to it. At first I noticed that the average on a stock I own had been inflated. From around XXXX $ a share to exactly {$100.00} a share for the average. I investigated further and it appears that my total invested amount was increased a XXXX XXXXXXXX dollars from what I actually had invested. This mysterious increase has made it impossible to achieve gains in green. They continue to tell me its a display error but when I click to realize my current gains, it shows me I will receive a significant amount lower than what I actuality should receive. If I decide to get out of this particular stock this would put me at an extreme loss of money. Ive contacted their department for the last 22 days with no resolution. Customer service has been terrible to deal with and at times flat out rude to me about the situation. Even suggesting I realize the gains while its showing the error. I have contacted FINRA but service has been slow. Every day that goes by I miss opportunities for my investment or to make decisions regarding my investments. Please help me! If your company cant help me with this please point me in the right direction. Thank you for your time.
Product: Mortgage

Regarding my complaint # XXXX. I have been informed that Wells Fargo Mortgage has once again requested an extension of their deadline to repospond to my complaint. The CFPB must do a better job of protecting this consumer. For more than XXXX years I have attempted to get details on a charge called " Unpaid second principal balance ( of ) {$7800.00} attached to my mortgage modification. And, for the second time, they are representing that they have to do " more research '' of their closing documents to determine the reason for attaching this charge to my modification. Wellls Fargo 's Mortgage department must be held to a legal and reasonable standard of consumer lending disclosure and transparency. Either there is a closing statement that discloses the details of this charge or they are attempting to further delay any resolution in hopes that I will drop my complaint ( s ) .This past and current conduct in responding with detail to the CFPB and me is tantamount to consumer fraud and must be addressed forcefully and quickly. That is the charge in the CFPB legislative authority and the public deserves better. I expect a more timely resolution to this complaint. ( The several Wells Fargo employees who have responded to my question in the past month are : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX and SVP XXXX XXXX by mail. ) Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX