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

I took out a secured loan ( refinance of another XXXX XXXX ) with XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, I ran into financial troubles and was not able to make my monthly payment on time for the next two months. After missing the two monthly payments, my account was sent to a law firm for collections. In XX/XX/XXXX, I received a collection notice from the attorneys office and I called XXXX to try to make an agreement to catch up on my payments directly with them as opposed to working through the law firm. At this time I also noticed on my credit report that the account was noted as a collection account and also with a closed status. The representative I spoke to at XXXX, said that once an account is sent to legal it is noted as collections and there is nothing she can do about it. Nevertheless, at that time ( XXXX XXXX ) I was able to set an agreement with her to make two months of payments on my account to catch up with the payment still being due for XXXX. To note those payments were made directly with the local XXXX representative, and not through a collection agency or other legal representative. At the end of XXXX I made two monthly payments to get my account completely back on track ( payments for both XXXX and XXXX ) At that time I asked the local XXXX XXXX again if they would be willing to update my account status as the account is now back to an on time status, not closed or sitting with a collection agency. The representative at the local office again responded there is nothing she can do, and I must talk to corporate. I then submitted a dispute to Experian, protesting the listing of the account as closed and collections, to no avail. In XX/XX/XXXX, I called the corporate headquarters to try to once again dispute the account status and the representative informed me that the account is actually not showing as closed on her side ( it is on my Experian credit report! ) but confirmed once again that the account is listed as and will remain as a collection account until the account is fully paid off. I believe this is an incredibly unfair business practice to the consumer, particularly on a loan with a term that has multiple months ( in my instance, the term is more than 20 months! ) and thus will have a negative impact on my credit for more than two years while I am still actively making payments with the creditor and the account remains in an on time status despite it being listed as a collection account ( and closed nevertheless! ) understand there was a point when my account was past due, but I have since returned my account to a positive status and dont understand why a creditor would be allowed to continue to report a debtors account as a collection when that is not the case. It seems XXXX XXXX has elected to put in place a policy that is incredibly unfair to the debtor which will cause undue long term financial harm to me given the impact of the collection status of the account on credit which other creditors will surely view as derogatory and thus prevent me from qualifying for other credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XXXX credit karma had an advertisement for members to apply for certain credit cards, with an incentive of {$50.00} if the application is denied. I was denied. I was sent the letter of denial from XXXX XXXX XXXX which I applied for through their website. I never received my incentive, so I began questioning credit karma. They sent me emails asking for the last four digits of my SSN. They said they couldn't find anything in my account to support the incentive release. I found my denial letter, took pictures of it, and sent it to them. They said, " We need to send this inquiry to our 'Special department XXXX '' after which I was denied all of the 3-4 times I asked for the incentive issue to be reviewed. I have all the emails. I still have pictures of the denial letter. I have the emails,, and pictures of the denial letter from XXXX XXXX I was not able to add them to this complaint without having to start complaint over.. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about Experian on XX/XX/XXXX. Telling them that this stuff on my credit report is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans Experian is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX I did not apply for a XXXX XXXX or XXXX card Please look at the forms I sent you on XX/XX/XXXX. 

They respond with this. Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

How could they determine or think that I was not submitting a complaint against them for reporting things I said are not mine I had no knowledge & is freaking fraud?????? I keep going back & forth & back & forth. I am asking again please delete this stuff from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to re apply, and even with a co-signer ; we even went through the XXXX XXXX XXXX XXXX, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX profiling and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in 2020 after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
Product: Student loan

Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.
Product: Checking or savings account

I deposited a check on Friday XXXX at the ATM of Citibank to my checking account.The check was from the US Treasury department in the amount of {$6000.00} for federal school loans that had been discharged. I was told by the bank on the following Monday over the phone that the funds would be available Tuesday XX/XX/XXXX. When I checked my Citibank app on Tuesday my checking account no longer appeared and it showed I only had a credit card open. ( screenshots available ) When I call, after going over and over things, I get transferred to the fraud department. She states my account is placed on a hold and they need to verify information and ask me where the check is from, what is it for and such questions. They state they will submit all this and I cant talk to the department in charge for an accurate reason of why my account has been placed on hold and that I will need to wait 24-48 hrs. Today XX/XX/XXXX when I check my app it states access blocked and I call again they route me over to a male who tells me Citibank has decided to no longer do business with me and all my accounts will be closed. They state they cant disclose why its being closed and what went wrong. They state I have to wait 5-10 days to get a letter of the reasoning and wait 30-60 days for the account to completely close and for me to receive the remaining balance on my account. I ask the balance that will be sent to me in a check to have accurate information and he says my check once I receive it will be for {$580.00} which was my balance before I deposited the check and I ask about the check he says he cant disclose anything about it or any reasoning. I went in person to speak to someone they again asked me about my check while they were on the phone I took the proof of the deposit and the proof of the check stub and the person on the phone after the questions states again that they cant disclose why and Ill have to wait. After the representative hung up I asked about a form to prove my accounts are closed or in the process and was denied. I asked to speak to the manager and after some back and forth he provided me a copy of his screen that shows that my full balance is {$6600.00} which would seem that the check was cashed yet the person on the phone stated the check was invalid. Im not sure what is going on but I do need assistance to verify this is being done properly.
Product: Student loan

I am on an Income Driven Repayment ( IDR ) plan. I recently learned that due to the forbearance I was not required to recertify my income information to Fedloan. I received emails from Fedloan asking me to recertify my IDR, so I did, causing my payment to increase. I need this to be revoked as I can not afford the new calculated payment. Contacted fedloan on XX/XX/18 and was told that they couldn't revoke my last IDR certification but would put in a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion placed 10 items on my credit report all in one day. I asked them for an explanation of why they did this and to verify that these accounts belong to me. TransUnion has not provided any proof that all 10 of these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted to Wells Fargo Dealer Services via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of these applications as requested in my letter. 

In my XX/XX/XXXX letter sent certified mail, I asked that if you were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, you chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies. 

Since you did not produce any evidence that I made the inquiry authorization, I demand that your unauthorized inquiries from my credit profiles are removed. Further, I also demand that you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Checking or savings account

XXXX XX/XX/XXXX went to a local branch of wells fargo for the XXXX time to fix this problem. all I wanted to do was transfer funds from my wells fargo account to another bank. I am able to do with with other banks but here I had nothing but problems. finally I was told without using my cell phone I would not be able to do this function. this is not a XXXX transfer, this is something on the wells fargo webpage, a function they control. I do not have a cell phone to use for this, my home phone and computer are fine for anything else on any other bank. 

additionally, I was told there was no id for my profile. HOW IN THE WORLD DID I OPEN AN ACCOUNT THAT HAS RECEIVED DIRECT DEPOSIT FOR OVER 10 YEARS WITHOUT AN ID??!?!??! I'm pretty sure wells fargo needs to explain some lack of record keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 for XXXX XXXX  ( I was going XXXX XXXX XXXX XXXX  on all the medications my XXXX XXXX XXXX XXXX XXXX XXXX had prescribed ). My family doctor called ahead to the XXXX to advise I needed an XXXX XXXX XXXX Upon arrival, I was assessed by a XXXX XXXX ( elapsed time : 3 minutes ) who obviously concurred with my XXXX XXXX XXXX and I was then put on a waiting list. During this 3-minute assessment, I also had my XXXX XXXX XXXX XXXX XXXX 
After over 5 hours of waiting ( XXXX XXXX XXXX XXXX ), I left- without receiving any treatment. The hospital then, in my opinion, fraudulently proceeded to charge my insurance over {$1100.00}. These charges were line-itemized for XXXX  and testing ( total {$190.00} ) and XXXX XXXX XXXX XXXX '' which amounted to an astonishing {$930.00}! {$930.00} to WAIT in the waiting room!! 
I contacted the hospital to dispute this line-item charge and was told that the charge was reviewed by their board. I came to find out that the " board '' was a group of paid hospital employees! Isn't that the legal definition of duress? A 2nd review was performed by an outside agency, again PAID by the HOSPITAL. Obviously this process lacks valid objectivity. The hospital withdrew from communication through the XXXX XXXX XXXX 
XXXX paid their portion of the fraudulent {$930.00} line-item and left me with a balance of {$250.00} which the hospital sent to a debt-collection agency, National Recovery. I told National that the charges are dishonest but they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. I was never 30 days late in this account. 
XXXX Account XXXX : XXXX please update all payment, all payment was made on time XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The inquiry was not authorized VETERANS UNI Date of inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit card or prepaid card

On my XX/XX/XXXX billing statement, I noticed a charge for {$700.00} at a XXXX on my employee 's card on XX/XX/XXXX. I called Chase 's fraud department and let them know and was refunded the {$700.00}. 

A few months later on my XX/XX/XXXX statement, I noticed the same charge from XX/XX/XXXX appear. Chase had NOT notified me that they had decided to recharge me, meaning if I was not attentive to my statements, I would have been paying an extra {$700.00} for no reason without knowing. I called them again and this time they said they think the charges are correct because the physical card was used. However, my employee or I have not been to a XXXX in years as you can see we always shop at XXXX instead. Chase said they would file another investigation. I don't believe they did. 

I called again on XX/XX/XXXX to see what was going on since they have not refunded the charge and this time I learned that the purchase was for {$700.00} in ONLY gift cards. This is THE most common textbook case of fraud and while I explained that to them and they agreed, they said that their chip technology in the credit cards is so accurate that it is impossible that it is fraudulent. 

The only issue with that is a XXXX minute XXXX search shows that MANY other people have had the same exact situation so Chase is wrong about how secure their chip technology is. Why would we purchase such a large amount in ONLY gift cards? There is no prior history of that activity. 

I am currently now waiting on another reinvestigation. The agent on the phone told me if I could provide any documentation saying that I was not at the XXXX but how possible is that realistically? 

This is why I decided to file a complaint through CFPB as I feel I have no other actions to right this wrong. I did nothing wrong but am being punished for it. I am a 10+ years customer of Chase and this is the first time this has ever happened and Chase would rather NOT give me the benefit of the doubt and instead deem that we are trying to scam them after 10 years? Terrible service and unfair treatment