23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is my second time submitting a CFPB complaint about this issue but I am not going at it from a different angle. Rather than asking for Apple Card/Goldman Sachs to resolve the dispute in my favor like I did in my original complaint, I would like to complain about the fact that these disputes have been resolved in the merchants favor despite the merchant not actually existing. Apple Card/Goldman Sachs said in their reply to my first complaint that they dont have any merchant evidence because they looked only at my account, not involving the merchant. If they had looked into the merchant, they would see that the merchant doesnt even exist. I was given this information from the credit card company : The merchant is XXXX XXXX, their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and the category of the transaction is clothing. 

There is no clothing store at that address, nor is there any company called XXXX XXXX. There is no information to be found online about XXXX XXXX, nor any contact information. According to the Texas Comptroller website, there is no business license in the state of Texas for a company called XXXX XXXX. It does not exist. It is not possible for me to have made a purchase from a merchant that does not exist. 

I am now submitting this complaint because the credit card company did not do this due diligence, and instead focused only on my account. I could not have made the purchase, because there is no merchant for me to have purchased from. 

For additional information, I did make a purchase last year from a company called XXXX XXXX for a similar monetary amount and received those funds back after the company was found to be fraudulent and ended up closing before opening under a new business name ( XXXX ). XXXX XXXX was also based in XXXX XXXX and had access to my credit card information from the purchase I had made with them that was successfully disputed after they had been found to be fraudulent. I believe these things to be connected, thought I can not prove it.
Product: Credit card or prepaid card

I 've had a XXXX card for 5 years and XXXX audited my credit report and closed my account without warning. I have not had a late payment and use the card and usually have money available on it. When I called they were not helpful and told me I would get a letter in the mail and that it came from them receiving a report from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.
Product: Mortgage

I changed homeowners insurance and received an escrow refund from old insurance company. I have tried calling the mortgage company - Mr Cooper - ( seriously, they are really named Mr Cooper ) at  least a dozen times in the past two weeks, trying to find out how to properly return the money. Just get the automated answer telling me that We are experiencing an unusually heavy call volume, blah, blah. 

Now Mr. Cooper has sent a letter telling me that my insurance has been cancelled and they are fixing to buy their own insurance. I have the new insurance company already working on that. 

Surely a federally regulated financial institution has to answer the XXXX phone. You know what is wrong here?? No one on XX/XX/2008 went to XXXX. 

Can you get them to answer the phone?? 

Thnx XXXX XXXX XXXX Loan # XXXX
Product: Student loan

A little back-story : Applied for the SAVE plan on XX/XX/XXXX. Submitted an email on XX/XX/XXXX without any response. Meanwhile I'd been switched to the regular plan and showed around {$1700.00} being due. Had to call on the status on XX/XX/XXXX and spent XXXX hour and XXXX minutes on the call just to be told a lot of things that weren't true. First they said that they sent an email saying they needed income verification. Never got that email and I allowed them to pull my tax return when applying, so income verification is not needed. They finally concluded that they didn't know what was going on, but looked like something in the back end was being worked on, and to call back in 2 days. Very stressful. 

Now to my issue : Finally got the letter saying I'd been put on the SAVE plan on XX/XX/XXXX. Interest is still accruing and now the Nelnet portal shows no payment due until XXXX of XXXX. This is very concerning for a few reasons. While I currently have a {$0.00} dollar payment through the SAVE plan, I should still be getting credit toward the 25 years of repayments for my XXXX XXXX  monthly " payment, '' and interest should be subsidized and stop accruing on my end. Neither of these are happening with the way Nelnet is doing this. I've spoken to other loan-holders, and the same thing is happening.

Very frustrated overall at Nelnet 's slow processing time, little to no response, and continuing to handle my loan incorrectly. I don't have hours to fix issues every time they come up. And super concerned at how my loan is not being handled per SAVE 's guidelines which will result in me
owing more and more money that shouldn't be accruing.
Product: Credit reporting or other personal consumer reports

This account should have been removed as it was included in bankruptcy. The creditors continues to update account on credit report as well as add missed payments
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I called Experian ( XX/XX/2018 ) at XXXX. This is the phone number on the credit report that I should call to dispute an inaccurate item. I need to dispute a mistake. 

The automated service answers the phone and asks for my social security number. I punch it in. Then I have 2 options : 1 ) fraud or 2 ) order a credit report. There is no option to dispute the items. 

So I researched the web and found other Experian phone numbers. I called XXXX and got the same system and responses. 

Finally, I decided to call the original number ( XXXX ). I did not enter my SSN. By not doing this, I was able to press 2 different numbers and dispute over the phone. But, as soon as I got through, I got a wait time of 13-15 minutes. This is too long. I have 3 bureaus to dispute and this is way too hard. Experian just wants me to use the web. However, my situation is complicated and the web form only allows limited number of words. I need to be able to talk with someone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an international wire transfer started from a bank in the XXXX to my USA bank account for the amount of XXXXGBP approx XXXX USD The money has not arrived in my account in the USA and the banks involved are not providing information on where the money is. 

A trace was placed on the wire transfer on XXXX. Each bank involved claims they have no information The banks involved are CITI bank, XXXX XXXX and XXXX XXXX It is now 10 days and the money is not accounted for. I have all the transaction details and can provide that to you for help.
Product: Checking or savings account

A Business Account was opened without Promised Award XX/XX/2022 Opened a business account per Wells Fargo Promotion Code to me on XXXX XXXX at XXXX XXXX XXXX XXXX office with Banker XXXX XXXX. 
( Code # XXXX ) It states that {$1500.00} will be awarded with {$5000.00} deposit. Picture of this promotion code is available upon request. ) I was informed by a few friends that the award was showed up on their account. However, I did not receive this award. 
XX/XX/2022 I called Wells Fargo on XX/XX/2022 ( XXXX, XXXX & branch office XXXX ). I was funneled to credit card award office at the end of each call. After long discussions, I was told that I need to talk to the branch officer where I opened my account. 
I could not make a reservation to visit this XXXX XXXX branch ( later it was also verified by Banker XXXX XXXX at XXXX XXXX XXXX Banker ). Therefore, I made a reservation to stop by XXXX XXXX XXXX XXXX with Banker, XXXX XXXX. 
XX/XX/2022 I visited this branch on XX/XX/2022 to show my related information ( account, promotion code, my ID, etc. ). XXXX reviewed all information and stated that this promotion code did not attach to this account, therefore, I could not get this award. He was nice to document my issue and promised me that he would submit to a proper channel to resolve this issue. 
XX/XX/2022 It has been more than 2 weeks and I received no information from Wells Fargo. I checked my account, {$1500.00} is not award to my account. I need your help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX DEPTEDXXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX  XXXX ( BANK ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a complaint against the credit bureaus for allowing XXXX XXXX to report a trade line on my credit reports without providing full validation. The results of the dispute came back as 'verified and accurate '. Thus, I called XXXX and asked them to provide me the documents used to validate this debt. I was told that my records didn't exist and that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. Thus, on XX/XX/2020, I submitted a CFPB complaint against XXXX XXXX XXXX XXXX XXXX ( Company 's response attached. ) Furthermore, another company, XXXX, XXXX, has also contacted me about collection of this debt. In sum, XXXX is using it's in house collection company, XXXX XXXX XXXX, to report the debt on my credit reports, however, they are using several other companies to collect the debt. Neither of the companies have been able to provide me with full accounting and proof of contract.
Product: Mortgage

We had taken out loan with Wachovia and then Wells Fargo took over account. At the end of the time we thought we should have paid off our loan we learned they had attached a insurance coverage of our house in case we somehow did not have it covered. In the end they waved the fees and the several dollars but I thought it was very sneaky in what they were doing. Some if they had not invested the situation would continue paying twice for insurance on their house because they house loan was not paid off.
Product: Credit card or prepaid card

Synchrony claims my XX/XX/ payment of {$67.00} was returned by my bank, XXXX XXXX. XXXX has no/record of that happening ( see the Email string attached ). 

Since then, Synchrony added outrageous charges that they will not itemize despite my numerous requests. I have continued to make my XXXX XXXX monthly payment on time. Now they continue to ignore my payments and claim I am past due for {$290.00} for XXXX. 

Their late fees and other unknown fees charges are XXXX. 

I am XXXX, partially XXXX, on a fixed income ( XXXX ), and can not afford their outrageous charges, particularly for a problem they created. 

Despite my numerous messages & proof from XXXX that they have no record of returning the XXXX payment, I have been ignored, and until a few days ago, harassed daily by automated phone calls, emails, and texts. 

They have now reported that I am 30 days past due to the XXXX XXXX which lowered my XXXX score from XXXX XXXX XXXX XXXX XXXX XXXX. drop!! 

I have enclosed both Synchrony & XXXX XXXX email strings and XXXX XXXX XXXX. 

By the way, I have 2 other store credit cards with this bank all also in good standing. 

This so-called bank needs to be taught a lesson that they can not run roughshod over their customers.
Product: Credit reporting

I cosigned for student loans for my niece ; due to operational and systemic errors on the lenders part ( XXXX ), several months of student loans were not debited from my nieces account ; in addition, due to operational and systemic errors on XXXX 's part, I was never contacted or notified regarding any late/missed payments. In addition, other operational and systemic errors on XXXX 's part, include the incorrect recording, by them, of my date of birth, limiting my ability to conduct business with them, as my identify could not be verified. I notified & reported this information to XXXX of the credit reporting agencies ( Trans Union ) for assistance but to no avail.
Product: Checking or savings account

I am a victim of XXXX XXXX. My Bank Institution, XXXX, was not able to be contacted because they also suffered from the hurricane as well. During the hurricane I was not able to reach my account online or call them to be able to manage my account well. I have tried since they opened back up to fix the problems. I contacted the corporate XXXX number, my local bank office and written an email to my personal banker. They have not reached back out to me to help me with my overdraft fees that accumulated due to the lack of service during the hurricane. I have attached the email I sent to my personal banker as a last attempt to plea for assistance. Please read the email as it explains my situation in further depth.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX,2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXX card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXXXX/XX/XXXX. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/scrub> 2024. XXXX 's phone system makes it impossible to talk to a human. Today, XX/XX/scrub>/2024, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning.

Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.
Product: Vehicle loan or lease

They reported late payment and I ask them to put two months payment on the rear so I wont have a late report go on my credit. They agreed so they did here it comes XXXX XXXX I get a notification credit notification Capital One have put 30 days late payment on my credit
Product: Debt collection

In XXXX XXXX 2015 I requested information from Navient regarding my options for students loans. I had previously lost my position at the company I was working with and was struggling to pay my student loans. When I contacted Navient I was told that my only option would be to pursue a forberance which would extend for three months and that if needed I would be permitted to file a second forberance. When I filed for the foreberance I was told that I would need to pay a fee of {$50.00} per student loan. Together this amounted to {$150.00} which was the same amount of my monthly payments. When I asked about income based repayment I was told that this was not the best route for me to pursue. 

I find that having to pay a fee for the foreberance period a bit troubling as it was not a full three months as they were basically taking a student loan payment at the time and still charging me interest on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all the incorrect information to be removed from report. I have been disputing and I keep getting the same answer, nothing is being done about this and its effecting my everyday life. Please give me a chance, this is the first time Ive ever had this problem and the last time.
Product: Credit reporting or other personal consumer reports

The loans have been discharged and paid in full since last XX/XX/year> and Equifax is the only one having issues reporting this correctly. They have done this to me over and over and complaint after complaint. Im buying a home and unable to do this with this problem.
Product: Debt collection

XXXX XXXX has violated HIPAA by sharing my person PHI to I. C Systems INC claiming that I owe amounts of {$1100.00}, {$1700.00}, and XXXX. I.C Systems has refused to remove these accounts from my credit report and have also refused to provide documentation supporting that these claims are mine. My credit score is now ruined due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.