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

Im writing this due to the non compliance with XXXX, Equifax, XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a loan on XXXX and it had been over a month and I still didnt get a decision. Plus, when I contacted them, they re-ran my credit yet again when I did not reauthotize a second time which is now on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I Didn't give consent to any organization or financial institution , credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.
Product: Mortgage

I am requesting a 2nd independent review for a loan modification. I would like to be considered for a loan modification that does not consist of a balloon payment which is not in my best interest. I have monthly income. XXXX and XXXX borrowers have disproportionately received and are offered high cost, high risk mortgages such as balloon payments. Even though I am an XXXX XXXX in a predominately XXXX XXXX neighborhood, I know there are better options. I have friends that are not minorities in a similar situation that I am in that were offered much better terms from SLS/XXXX XXXX XXXX. 
I have asked you to call me on several occasions, since XX/XX/XXXX in regards to this loan. No one can explain to me to the loan documents that were sent. All I know is that it is a balloon payment. Your customer service reps tell me to contact my attorney. I have attached the letter from my attorney and he cant figure it out either. He told me to contact you. I have called on 6 different occasions and was informed a rep would call me back. On XX/XX/XXXX I called and was informed that your rep called me on XX/XX/XXXX. They claim the phone went to voicemail and they did not leave a message. How convenient. I checked my call log and do not have a missed call from the number. 
I requested a loan modification on XX/XX/XXXX. I sent in all the documents on XX/XX/XXXX. My attorney received a letter dated XX/XX/XXXX with an approved modification for a balloon payment. It does not make sense and the numbers dont add up which is why I was requesting a call back. You did not consider my income or ability to pay when offering the worst loan possible. You made a decision before I sent in financial documents. That is a travesty and the exact same thing that happened during the mortgage crisis of XXXX-XXXX. I am asking you to consider ALL modification options. I have income and have the ability to pay. We are in a pandemic and I would like to be considered for all options to keep my home.
Product: Credit reporting

The IRS agreed to take the tax lien off of my credit file in a direct conversation with them. It should not have been placed as a lien. I disputed this with the bureaus. XXXX removed it but Trans Union did not.
Product: Credit reporting or other personal consumer reports

According to the previous report XXXX that was made to this company, the company provided false information. On page 11, the company sent a notice of right to cure default on XX/XX/2023, to the wrong address as it is seen on this document that they provided to show proof of my investigation. I never received such a letter. 

Furthermore I was never notified of my account being put into charge-off status because the months that they reported a charge off, I made payments.
Product: Credit card or prepaid card

I requested redemption of cash reward points from Wells Fargo valued at {$77.00}, They have documentation that says you can only redeem earned points at {$25.00} intervals so they only sent me {$75.00}. How this passes as ethical is beyond me. If I earned the points and they have a monetary value how is it ethical that they restrict redemption to an abitrary {$25.00} amount. How much money are they saving when customers cancel their cards or die and relatives cancel the cards? Granted the amounts lost would not exceed {$24.00} yet they say it was earned by the customer by using the Wells Fargo card who assigned the value of the points. If it is earned then it is owned by the individuals that earned it. What are the odds that you will ever have an exact {$25.00} increment when redeeming points? I contacted the company and they sent me the rules and when I tried to contact the " XXXX '' man and has not returned my call. This occurred around XX/XX/2021. It's a small amount of money that's involved, however this could reap thousands of dollars for Wells Fargo 's Rewards program over time at their customers expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX store card was bought by XXXX XXXX  XXXX  from XXXX XXXX, which I had for over a decade without issue. There were problems during the conversion and my automatic payments were halted due to technical issues in their system.

They added a 30-days late notice to all 3 credit bureaus adding my first derogatory information in 20 yrs to my credit reports. I contacted XXXX XXXX  XXXX, they reversed the late fees, accepted my final payment ( {$68.00} ) and closed the account at my request. 

Following this, I disputed the erroneous charge with Equifax and the dispute was returned with the inaccurate information upheld. The report said to contact XXXX XXXX  XXXX, which I did and their response was I would need to submit a written letter to request reconsideration.
Product: Debt collection

I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. Criminals applied a load in Wells Fargo bank account online, I did not apply this load. At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. One of criminal has a WellsFargo Bank account. Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem.
Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
Product: Debt collection

XXXX XXXX is trying to use Allied interstate to collect a debt of over {$600.00}, claiming I have a storage unit with them. On XX/XX/22 I opened a storage unit with them. On the next day XX/XX/22 I closed a storage unit with them because it did not fit my needs. They know that in their system I am not a customer. 

I have no active units with them and owe {$0.00} They are trying to collect a debt that is not owed. 
I was also enrolled in auto pay through my credit card. So this makes zero sense.
Product: Credit reporting

For over 20 years since my divorce, I have had negative credit ratings and responsible parties are not providing accurate information. I have been denied credit and also issues that surfaced have not been properly handled. Yes, I went back to my maiden name, but still these issues followed me in an forceful means. In 2013, I finally had enough, but finding proper representation is painstaking and expensive. So other means to maintain sanity I have tried. Due to this issue, I am trying to work through, but unfortunately, it is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 15 U.S.C 1692C These addresses do not belong on my credit report
Product: Debt collection

I have reported GLA Collections on multiple occasions to the consumer finance site. I have also reached out to GLA on multiple occasions throughout several years regarding the said debts below. Each time GLA does not provide evidence that the said debts are mine and they remove the debts from my credit reports. Then a few months later they put the debts back on my credit report. They refuse to provide proof that the said debt is mine with itemized statements of the said accounts. I have called both alleged medical providers regarding this said debt and both medical providers state I have no balance on file with their offices. They also harass me repeatedly with multiple phone calls. 

Said Debt # 1 - XXXX XXXX  {$220.00} Said Debt # 2 - XXXX XXXX {$110.00} I would like immediate action to remove these debts from my file permanently and I would like to seek information on how to file legal action against GLA. They continue to negatively impact my credit by falsifying information and refuse to provide any proof of the said debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX or XXXX, XX/XX/year> and previously. On my app it showed that my account was in the negative. I went to deposit money in the account to cover the negative plus my paycheck was to be deposited the next day. I was still charged a overdraft fee and was told because it wasn't in there by a certain time it still didn't matter that the money was deposited into the account and it stated pending. I have been with Regions for XXXX years with direct deposit. 
Several times I was charged XXXX overdraft fees within a day or XXXX apart. {$100.00}. XXXX in overdraft fees, Is out over the top. {$36.00}. XXXX each day. I was told the bank is allowed to do at least XXXX overdraft fees. Also when you make a debit purchase it takes XXXX or 4 days for purchases to clear and you think you still have the money in the account. They did away with checks claiming this would help resolve that problem and having the card is really no difference. Life sometimes is a struggle and when having extra money taking away makes it even more difficult.
Product: Student loan

I have been making payments on this student loan from Navient ( originally taken out from Sallie Mae ) since 2010, every payment on time and for the correct amount. I have been enrolling in a Rate Reduction Plan as long as I have been able to, since I have almost always made under {$13.00} an hour and can not afford the ridiculous amount of money they expect a person to pay. I also have other student loans that are not private from other companies. I am a XXXX year old adult, who works full time, sometimes two jobs, in order to live. I have rent and other bills like any other person does. Navient had sent me an e-mail in XX/XX/XXXX that my rate reduction plan was ending and to contact them. I called and gave someone all my information, and I was told the computer would not accept it, because it was too soon and I still had scheduled payments, and to call back closer to XX/XX/XXXX. So I called again in XX/XX/XXXX, and was told the same thing, the computer would not allow her to do it, but she didn't know why, and to call in XX/XX/XXXX. I spoke to someone else today, XX/XX/XXXX, and I was told I could not enroll in this plan any longer, they did not know why, but I can not do it. He said they look at my credit history and other things, and I can use my 4 months of forbearance, or temporarily do interest only payments, but both options are only temporary and since I am not experiencing a specific hardship there is nothing they can do to help me. I however make only {$12.00} an hour, and work full time, and make under XXXX a year. I always pay my bills on time, and am financially responsible with the money that I do make, and it's seeming to get me into more trouble rather than helping me in this instance. I don't know what other options I have if I just do not have the extra {$400.00} dollars a month to pay them. That could be rent for an entire second apartment. I also have other student loans that equal around {$100.00}. I would like to be able to make payments on this loan, however they are not willing to work with my financial ability. I don't know what else to do. I am not able to get ahead, save up any money, or do anything for my own future. Please help me!
Product: Debt collection

I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$230.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Credit card or prepaid card

An anonymous person made a fraudulent payment on both of my accounts as they are connected thru the app. I advised them i had not known about it and would like to make a dispute for it and they will not help me or restore the account so i can handle my debt.
Product: Student loan

I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.
Product: Credit reporting or other personal consumer reports

Seeing an unauthorized inquiry on my credit report this morning was both confusing and infuriating. I check my report regularly, and I wasnt expecting this at all. I even tried refreshing the page, hoping it was just a system error, but the issue persisted. I need this matter addressed immediatelyplease review my submitted documents carefully so I dont have to go through this stress again.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their inaccurate reporting of a balance on my closed account with XXXX XXXX. 

I have disputed this issue with Equifax several times, as the ongoing reporting of a balance of {$600.00} on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Equifax, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against Equifax for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am submitting this request to remove the inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediatelyXXXXXXXX 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

On XX/XX/2021 I closed my Chime Bank checking account with approximately {$70.00} remaining. To date, I have received nothing. I am blocked from using the chat feature. 

I understand that this is a common practice with Chime.
Product: Checking or savings account

Bank of America Bank has been hacked and our records, XX/XX/2022, I received a text from Bank of America about suspicious actives has been located on your account, XX/XX/XXXX, someone took my wife phone and she received a text message authorization code XXXX had been text If you did not request the code, call XXXX for assistance. We called Bank of America and they dismissed our concerns. Someone had tapped into our account and Bank of America is aware of these facts but chose to dismiss our concerns. 
Sat XXXX XXXX XXXX, 2022 we tried to pay a bill but the charge was denied. We stated on hold for several minutes with the Bank of America but they refuses to respond to our concern. 
If we are receiving text messages and our debit card charges were denied then we have a problem. 
Bank of America refuse to look into our concerns, someone has tapped into our account using a computer to over-ride there system. Money in the bank and we can not use our card so what are we to do if we want to pay our bills. We were never told about a limited being on our debit card to pay a bill. We want a respond for the bank in writing.
Product: Vehicle loan or lease

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF ENGELHARDT V. GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR ANY SUCH DEBT IN FACE THEREFORE EXISTS. PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER. XXXX XXXX XXXX XXXX. PLEASE REMOVE THESE INQUIRIES XXXX
Product: Debt collection

no kowledge of debt collection that companies are trying to get me to pay on. I didn't try any loans or apply for anything that would change or show up on my reports. I'm worried someone may have accessed and use my information and made these charges and changes to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing this inaccurate inconsistent old account it was determined Equifax would remove the account. The discharged account violates FCRA by by its history of unlawfully continuing to illegally report against a federal court order. 

Against better judgment and without any notice Equifax wrongfully added the account on my credit report.

Equifax has the account showing inaccurate information and also has re-aged reporting on this account as if its new and updated. It is not.

It is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And it destroys credit, Please have this account removed from my credit report immediately Thank You