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

I have a credit card through XXXX XXXX, which was formerly XXXX XXXX  at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. XXXX XXXX  said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure XXXX email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my Experian credit report and still see the 30 day late. So, I submitted a dispute through Experian, who left it the same post investigation. The bank is now XXXX so not sure if they have all the records. I logged in today to the XXXX XXXX and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.
Product: Money transfer, virtual currency, or money service

Numerous times when I would transfer money from point base to cash up it never made it to cash up I asked XXXX XXXX what happened and they would place the blame on cash app and I'd ask cash up and they said it they never saw the money so I'm thinking that it's I miss you with coinbase but still I don't have my money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized and inaccurate collection account being reported on my credit file by Equifax. I have already exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by formally requesting that the debt collector cease all communication with me, as outlined in 15 U.S.C. 1692c ( c ). Despite this, they continue to report the account to the credit bureau, which is a direct violation of my rights and negatively affects my credit score and financial standing. This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is both inaccurate and unlawfully maintained after my dispute.
Product: Student loan

When my loan was transferred to Navient my social security information was entered incorrectly and my account was tied to another person 's account with a similar social security number. I am recieving personal information including this person 's social security number. It has been 6 months of back and forth with Navient to fix it. I have had to send my social security number multiple times and it kept being " lost. '' Navient 's concern with customer privacy and customer service is poor.
Product: Bank account or service

This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I signed a rental lease agreement for furniture with XXXX XXXX. 
As per the contract there is a stipulation that clearly state : Although I may have applied for credit with a retail merchant, the rental purchase transaction is not a credit transaction. the lease rental agreement indicate the market cost of the merchandise is {$2600.00} and the buyout option is {$3500.00} XXXX has ruined my credit because they have reported this to the credit credit bureau a personal loan on the amount of {$6200.00}. 

This is creating me a significant financial harm. 
They are conducting an unfair and deceiving business practices specially in low income individuals. 
This was rental agreement not a sale or loan. I never signed a loan application. 
whatsoever for this being reported as a loan. 
Below are a basic informationn on the rental agreement. I can provide the entire copy if needed it. 
Date : Agreement Number : Lessor : Lessee : contract # XXXX DESCRIPTION OF RENTAL PROPERTY : Item # Item Description Model # Serial # This Property is : {$3500.00} XXXX payments @ /payment for a total cost of, plus tax. 
XXXX XXXX XXXX {$290.00} {$6200.00} If you fail to make a timely periodic payment, you shall have the right to reinstate this agreement ESTIMATED FAIR MARKET VALUE OF THE LEASED PROPERTY : EARLY PURCHASE OPTION : A XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX LOC :
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.
Product: Mortgage

Our discharged mortgage was sold by XXXX XXXX to an unknown investor XX/XX/XXXX with Fay Servicing LLC out of XXXX, IL being the new servicer. We were promised by Fay Servicing that they would help us stay in our home and that they would grant us a legitimate mortgage on the current market value of our property. This has not happened, to date. We filled out financial papers and then by XX/XX/XXXX the representative called us saying we were approved for a modification of the old discharged underwater mortgage. We were confused. The representative then told us that the deal is we would pay three monthly good faith payments at {$2600.00}, then after that the payments would be monthly {$2400.00}. Then they said after a year we could get a real mortgage at the current market value of our home. So we agreed and I had asked for this in writing which we were told would come in the mail which it did on XXXX XXXX XXXX. Problem is, the contract was NOT what the representative told us. On these papers, it said we had to come up with on XXXX XXXX XXXX {$7800.00}!!! There is no way that we could come up with this much cash in three weeks time! Especially after all the financial hardship we have endured thanks to the collapse and slow down of the economy after XX/XX/XXXX. We showed these papers to our attorney, and he said there was a discrepancy and that it is not clear so he told us to send in a payment of {$2400.00} which is what we could manage. They cashed this check then we get a phone call several days later. Then we received a threatening phone call that if we did not come up with the money by XXXX XXXX, they would proceed with foreclosure!! We do n't want this we want to stay in our home! We have been mislead and deceived by Fay Servicing since the beginning of the year. We require that they stick to their word originally and stop jerking us around! This is fraud, unprofessional and demeaning to us as a consumer.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I never applied for a Comenity Bank Visa Credit card. I requested in XXXX for them to provide an application with my signature to prove I have an account they just ignored my request. They did close my account but they continue to charge me finance charges. I wrote to XXXX to dispute and got an investigation result saying it has been removed from my credit report. I have recently checked again since my credit score reflects a problem. It is not removed and still states Comenity is charging me finace charges. 
Thank you, XXXX XXXX XXXX
Product: Student loan

XX/XX/2019Trying to contact navient and a third party who said they were located in the XXXX  answered when I used the link in my email from  Navient I called XXXX XXXX XXXX XXXX and there was no regular greeting or dial tone at all, until it rang to what sounded like an extension. a man who didn’t have my account info and didn’t know why I was calling, which was out of the ordinary, answered and had me spell my name. They asked for full social security numbers. My phone said I was calling fishers, Indiana and so I ended the call due to the discrepancy. The man said all navient customer service was located in the XXXX. They had old statuses on my account, and possibly were the same with a woman who Called a couple months ago and didn’t know my information.Calling other numbers brought me eventually to a woman who said she was in XXXX, and I feel very confused by the different locations and distrusting. The woman who said she was located  in XXXX  said to file this report. My partner in the home spoke with the same apparently third party number- he received three calls although his account is up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past XXXX Days before but I still didn't receive anything from Equifax. Per XXXX, without any response for XXXX  Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Product: Money transfer, virtual currency, or money service

I got email from Cash App saying that my account has been closed due to activity. I violated a contract and other stuff so I didnt understand why
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting information to Transunion, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to Transunion and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX  and Transunion to provide me with a copy of an original contract with my signature to prove I indeed have an debt with XXXX XXXX and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.
Product: Credit reporting or other personal consumer reports

THE XXXX XXXX LOAN Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax upheld a debt, via XXXX XXXX XXXX, for XXXX XXXX XXXX, in the amount of {$16000.00} by way of fraud. 

The XXXX Judicial District Court found the debt was not owed, as well as the court documents submitted, to Equifax, including a Writ of Re-Entry, validating my dispute. Although the court granted permission to repossess my unit, I was denied re-entry. 

XXXX and XXXX has removed the debt, with CFPB ( file number XXXX, with the same parties ), referring my file to the FTC for enforcement.

I am humbly requesting for this debt to be removed as it was fraudulently placed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to submit a dispute online with Transunion website, as it is giving me issues. Attached to this complaint is my police report showing the unauthorized inquiries on my Transunion credit file. These inquiries are a result of fraud, as I am a victim of identity theft for many years now. The other attachment shows the inquiries that are being disputed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my report, which is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to XXXX out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, Transunion LLC On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is extremely worrisome. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Bank account or service

First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. 
XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. 
I contacted First Data and explained the situat
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company NCB Management Services Incorporated, I do Know this company Has Many complains, This Company Attempts to collect debt not owed From me. 
I did send a Dispute Letter to the Credit Bureaus then responded was Verified by the NCB, Then I disputed to the Creditor Asking by Proof of my signature but they don't have it, so please I do want you to investigate I'm going to attach proof of this Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has a violation of SCRA and FCRA rights. The issue is I have attempted numerous times to fix the issue with the company, but they have not been willing to help and fix the issues. These incluse several violations of my rights as a consumer outlines in FCRA & SCRA. I have attached the following documentation verifying such. No verification has been done on Experian 's part. The following accounts are as follows : Account info Account name XXXX  XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. ALso according 15 USC 6802.NO financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit accessed my account for a hard inquiry without my permission or authorization
Product: Mortgage

I have been in a COVID-related unemployment forbearance since summer 2020. I am returning to work and would like to reinstate my mortgage. I have requested my reinstatement options in writing and US Bank refuses to send them. They claim they can not send a written copy, and they want to describe the available options verbally so I can make a decision over the phone. I have an auditory processing disorder. They suggested that I get a trusted adult to help me conduct this financial business. 

My call has been disconnected twice ; representatives have refused to escalate the call ; there is no accessibility hotline on their website. They also can not tell me whether accepting the reinstatement offer would affect my OHFA down payment assistance. I would really like to have this information in writing so I can consult my OHFA rep, but US Bank refuses to provide it. 

When I asked the bank to reconnect my mortgage to my online banking account so I could see the options online, they accidentally locked me out of online banking for the week between XXXX and XXXX XXXX 's.