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

On Friday  XXXX   XXXX   2017   XXXX  as i have this saved on my phone for personal protection against negligent non-comlpiance from TransUni on . I spoke  with a  XXXX  a  Fraud Assistant Customer Care Representative from ''TransUnion '', a s they are the only ones who can handle my report due to fraud on my credit file. I was on the phone for close to 30mins.  XXXX  found the recent Letter I sent to TransUnion regarding the many Credit Inquiries placed on my file due to Fraud, That letter Contained a  XXXX  Police Report of Fraud with a notorized FTC Identity Theft Affidavit. This is more than enough to vindicate me from these unauthorized ''Credit Inquiries '' on my file.  XXXX   XXXX  they would be removed in  24-48hrs, but as of now they still report on my TransUnion Credit File.    XXXX  I SIMPLE ASK FOR TRANSUNION TO DO WHAT THEY SAY, AND DELETE THESE UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES AS THEY PROMISED. If TransUnion is still unwilling to cooperate i will have no choice but to send all this information to my Consumer Protection Attorneys, and My Attorney Generals office.
Product: Debt collection

Dear LVNC FUNDING LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received an Amex gift card for {$27.00}. However, when I enter its information to use it in well-established, secure places such as the XXXX XXXX XXXX, I receive error messages. Upon doing research online, I have found countless others who have experienced the same problem and report that Amex representatives offer no solutions when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Consumer Loan

my car was repossessed for being late 13 days for {$100.00}. I had just been released from the hospital having had XXXX. I nearly XXXX I have had XXXX loans with titlemax in the past ; XXXX of which I paid off early ( they didi n't like that ). after paying {$130.00} a month for several months I asked them to make a better arangement with me or let me pay off the car. I had borrowed {$1000.00} and made about {$700.00} in payments. I was informed the payoff at that time was XXXX the amount I originally borrowed. while I was trying to get better from XXXX they repo 'd my car claiming they tried to call me. now they want to sell my car at a private auction unless I pay them {$1500.00} more
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with the credit reporting agency to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : XXXX. On XX/XX/2023, I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

XXXX. Subsequently, on XX/XX/2023, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

XXXX. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

XXXX. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Equifax addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Attached with this complaint, please find copies of all relevant documentation, including my previous communications with Equifax, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid debt in full to XXXX XXXX in XX/XX/2021 - this debt was also in collection 's agency @ Eastern account systems. Both parties were involved, I notified both parties nd both parties continue to report inaccurate information and refuse to update as stated 90 days was the limit for Eastern account systems, this status should have been updated and reported as paid in full as of XX/XX/2021. I have reached out to Credit agency, XXXX, and both parties disputing information-current status of reinvestigation states unpaid as of XXXX despite bank statements and emails submitted as proof of payment.
Product: Checking or savings account

I along with others Suffered drastically during the pandemic of XXXX not only did I get sent from here to there to talk to this person, and that person being told to wait on the phone for hours and hours just to be hung up on from Bank of America prepaid claims , and have my account frozen for no reason along with funds, but they were also stolen from me due to fraud. I expressed my my frustration in a calm, reasonable way hoping I get to a silver lining, but that never happened. I wish I knew about the ongoing lawsuits against them because I would have joined in on them. This is three years ago. I had made these claims out of three claims that were put together by Bank of America claims representative apparently only two out of three were approved, but not the third. Why I dont know why. So I requested that the third one which would be in the amount of {$10000.00} be reconsidered, because it didnt seem right that that one would be declined or denied, and the others approved when they all had the same tracing fraud in the same fashion. I was never given any provisional credit any help whatsoever. I call every day for the past three years to be put on hold, and theres been no work or any type of settlements on my claim. Bank of America claim that the reason why they didnt work on her for the first year and a half or two years was because it was frozen, which is not true because there was deposits made into the account from the other two claims so that is a lie. Let me remind you again. This is three years later after the pandemic and my funda have still not been paid. Ive literally been suffering drowning in even more debt that that money could have or should have helped me with but not only was it stolen in the beginning its being held now by BofA still with no regard or decisions being made. Im struggling so much guys. I feel like Im being taken advantage of. The only account activity that has been made and barley made is for 6 dollars interest funds for funds that have not been paid. And that was paid XX/XX/2023. Ive had enough I dont know who else to go to or speak to because all BofA prepaid says to me is sorry they have no communication to the back office that handles the claims but they do acknowledge the fact thats its taking a long time and they will submit complaints but nothing still gets done. Please I know there is something that can be done. I mean Im freaking homeless pretty much if Im not lucky enough to keep my head afloat from debt and court and lawyer fines I have a little girl here who has to Stay with my parents because I dont have a place for her. I work everyday and the spend 2 hours on top of that with bofa hoping to get to a solution but it doesnt happen.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX, I made several attempts to contact someone from Experian to address the missing student loan payments dating back to XX/XX/XXXX to present and the apartment  rental payments that have been successfully paid since XX/XX/XXXX, which is unacceptable. I make all financial transactions through XXXX Bank. Secondly, Experian does not have my accurate home and mailing addresses despite my efforts to provide clarity to them on this matter. As a result of the aforementioned, XXXX currently XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX that I contracted from the current apartment that Im living in. Because of the inaccurate information on my credit file, I am being denied an opportunity to move to a better apartment. Since I can not access any human being working for Experian to immediately resolve this, I am submitting this complaint to expedite the matter and can be contacted via email or phone at any time. Thank you in advance for your assistance and expediency on this critical matter.
Product: Checking or savings account

I have tried numerous times to gain access to the funds in my account with them, they keep saying to verify in branch during a pandemic which i am not going to risk my health to verify the account so when asked to close the account and mail the check to the address listed, i was told the account needs to have a XXXX balance. at this point this bank is effectively stealing XXXX dollars from me. if additional verification is needed for an account that is fine but don't take in money or open the account until the verification is completed. this is a very shady practice.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Mortgage

I applied for a loan modificaion when I was current on the loan. The current loan rate is 7.25 % interest which I 've had for many years. This is a rental property and I asked Ocwen if they would consider reducing my interest rate as the property is 41 percent owner occupied and one owner owns more than XXXX units. Ocwen offered me a even higher rate and sent me papers to sign if I wanted to proceed. I 've called and email mentioning I did not want their offer at a higher interest rate. Ocwen continues automatically drafting my account the monthly payment however they are placing them in " Suspense '' and charging me late fees. As of today I 'm two month behind in payments as they are holding my payments in Suspense. They also did a hard hit on my credit bureau file which they said they would not do. It appears they have every intention to forclose on my property and I 've tied to talk, reason and make them understand however the communicaiton with these people does not work. I need help getting this cleared up immeaditely. Thanks XXXX XXXX
Product: Student loan

My information for Public service loan forgiveness was sent to Mohela from XXXX  XXXX XXXX and listed as processed on XX/XX/XXXX. I had already been certified for 117 payments by XXXX  XXXX back in XXXX, XXXX. 

My mohela payment tracker was not updated accurately. I was informed in late XXXX, XXXX that mohela had nothing from XXXX  XXXX and to resubmit forms, which I did by XX/XX/XXXX. I was promised 90 days to process. In XXXX, XXXX, my PSLF forms were listed as processed but inaccurate payment tracker counts and missing dates ( XXXX, XXXX through XXXX, XXXX completely missing ). Also missing over 2 years of payments for which I submitted employment certification forms. By XXXX, XXXX, I had already called on 8 different occasions to obtain accurate updates. I was told on XX/XX/XXXX that an employment form was misread and instead of 24 months of certified employment, it was recorded as 1 month and for the wrong year. I was also told to wait as I had been told all the times previously for the payment tracker to be updated, that the same form I had submitted 5 months prior had to be re-processed. 

I submitted all the required paperwork and employment certification forms for over 120 payments ( of 156 eligible at this point ) but due to repeated, multiple mistakes on MOHELAs part, I am still waiting. My account is still inaccurate despite multiple calls to correct it. My forms should have been processed in the promised 90 business days back in XXXX, XXXX. I refuse to wait another 90 days every time Mohela miscounts the dates on my employment certification. 

If this was any other type of customer service, it would be appalling. I have submitted certified employment proof of at LEAST XXXX20 payments of 156 eligible payment periods. I should not have to wait beyond the promised 90 days, especially when the REPEATED and seemingly intentional mistakes are by Mohela. Every time I call, the re-processed form was somehow grossly misread, resulting in mohela telling me to just wait another 90 days.
Product: Credit card or prepaid card

Daily, I receive so many annoying " Scam '' cell phone calls, I do NOT answer any of them. I only answer numbers that appear with a Name that I know. I check my Voice Mail every 2-3 days. A few months ago, a voice message was left from a " Synchrony Bank '' located in XXXX that my PayPal Master Card minimum monthly payment of {$160.00} is Past Due. So the next time that number called - which begins at XXXX XXXX  every day and goes to midnight, I answered - and after getting past the Robot to whom I REFUSED to give my Social Security Number so it could look up my account - I spoke to a woman. I said, " Where did you get my Name, Address and Phone Number? I do NOT have a PayPal Master Card. My PayPal account was hacked in XXXX and PayPalAlertTeam closed my account - and made sure my bank account was secured so these PayPal scams would end - and they DID at my bank. So, where did You people come from? I have never heard of a Synchrony Bank - sounds like a scam. '' This woman sent me to her manager - and when she said, " Is this Ms XXXX XXXX? '' and I answered MAD : " Yes, IT IS! '' she hung up on me. I continue to get 3-5 robot calls a day. On XX/XX/XXXX, I got such a FAKE Past Due letter, it was ridiculous : cheap paper, NO address, NO email, only a phone number to call to settle the Past Due. I XXXX  Synchrony Bank and their " clever and length '' NON- '' brick & mortar '' bank is laughable.
Product: Checking or savings account

Truist Bank. If you allow a CD to automatically rollover at Truist, it rolls over at a rate of .01 %. I read through Truist disclosures online and this is not disclosed anywhere. My banker redeemed and issued a new cd at the actual rate shown on Truist web site. This impacts anyone who is not aware of this deceptive practice by Truist. How is Truist allowed to get away with this. It might not be illegal but how is it not deceptive.
Product: Debt collection

I've repeatedly explained to the very rude representatives from Lake City Credit that this is an old debt that was paid over 10 years ago, and they become increasingly hostile. They keep repeating things like " You can not run away from this debt '', and " Pay the debt that you owe! ", etc. I have repeatedly told them to cease calling my phone number, yet the calls continue and their tone grows increasingly menacing.
Product: Debt collection

This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX  responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.
Product: Credit reporting or other personal consumer reports

Global lending change my account status previously closed XXXX and erroneously reopened the account as of XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I received my results from my dispute with XXXX, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.
Product: Student loan

A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). 

On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. 

On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. 

On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. 

On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. 

On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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