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

My name is XXXX XXXX I have not been able to open any banking account do to this early warning system company. I have tried numerious times to get in contact with them to fix problems on my report. Each time i contact them it is a different problem. I have filed or attempted to file disputes claims on each case. when told to fax the information the fax number never works. My main issues is why am i on this system when i owe no money to any of the numerous banks i have tried to open accounts with. When opening these accounts i had financial issues and was uable to fund the accounts at the time so they closed account. thats it. no money owed to any financial institution. They claim that there is not way to get off of their system which up until now i am still not able to open a checking account anywhere. The customer service representives are rude and do not provide help with solutions to fix consumer issues. I cant even get it taken off. This has caused problems in my life not being able to open any account. I was almost successful in getting a account with XXXX XXXX. Account was open i received account numbers and when i went into the bank to fund the account I was told to contact the early warning system. Opening up accounts and not fully funding them is not a crime no against the law. I owe no money to none of these banks and I cant get this negative information off of my consumer report. I am XXXX XXXX XXXX and need a checking account, Please please help me with this matter.
Product: Credit card or prepaid card

I had XXXX plus the fees stolen from my card account I had filed a fraud dispute and I was promised that I would receive my money refunded and card.com refuses to return my money
Product: Credit reporting, credit repair services, or other personal consumer reports

these C.R.A are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and XXXX never validated the debt they never respond it been 40 days
Product: Debt collection

I received a letter from RentDebt Automated Collections that stated to call or write them by XXXX to dispute all or part of the debt. Their letter had a bottom perforated section I filled out to dispute the amount, which I mailed out on XXXX. I received no further correspondence and this debt collection company added the negative mark on my credit report on XXXX, after I wrote to dispute the debt amount. I then sent an email on XXXX asking why the debt amount was not validated as I responded to their letter before XXXX and checked the box to dispute the debt amount. They have not responded to my email from XXXX, today is XXXX. I have proof of the stamp purchase at the XXXX store to which I mailed the letter, I have also attempted to make numerous phone calls to which no one answers. I have a screen recording from today, XX/XX/2022 where I called 3 times that went unanswered. They dont seem to get mail or answer the phone, which is very suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX  XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont even know this company XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I Paid {$500.00} XX/XX/2022 I was not sent a letter after my payment that I was going to be reported to the credit bureaus I was trying to prevent this and I was assured by the representative XXXX XXXX. I have recorded messages and my bank receipt. The last time XXXX XXXX called me was XX/XX/XXXX just two weeks after I paid {$500.00}, no connection after this I was immediately reported to the credit bureaus out of anger.
Product: Credit reporting or other personal consumer reports

I'm extremely disappointed to find unauthorized inquiries on my credit report tonight, and I have no idea why they're there. When I checked my report, as I routinely do, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. This is very concerning, and I urgently request that the documents Ive submitted be thoroughly reviewed to ensure this issue is fully resolved so I can stop worrying.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX- Student Loan xxxxxxxxxxx XXXX XXXX- Student Loan xxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX  XXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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: Debt collection

National Credit systems sent a letter to my moms house saying that I owed a {$350.00} debt because of damaged to the flooring at my old rental address that didnt exist. They provided no proof of the damage and told me I would still have to pay the debt. I have disputed the debt and a week later have still not received any communication back. The entire situation is very sketchy, and my old property manager treated me terrible and did very sketchy stuff.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' These financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the consumer reporting agencies TRANSUNION, XXXX AND XXXX DO NOT HAVE MY CONSENT to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. I would like the account with the previously stated financial institutions removed expeditiously or i will be forced to take legal action
Product: Debt collection

Whom ever rendered these services was not I XXXX XXXX!! Never had this service and or authorize any services for another party! This has hurt my credit score dramatically, and also my trying in other endeavors as of car purchases and credit building credit cards, ect.. please help remove these fraudulent statements on my transunion credit report!!!
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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX XXXXXXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 an 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: Vehicle loan or lease

I never missed a payment with this company. The car did get picked up because of non payment, my mother passed away in my house and we had financial issues and let my insurance lapse and they came and picked it up for no insurance and of course I couldnt pay the repo fees to get it back but I never missed an actual payment. And they never once reported amy of my payments befor this to benefit me so why after you didnt give me a chance to get Insuarnce would you tarnish my credit report.
Product: Credit card or prepaid card

I purchased a plan from XXXX XXXX in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with CITI in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called CITI back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that XXXX had the merchant money. They informed me and the merchant that they would have to get in contact with XXXX. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let XXXX know the money needed to be cleared but that was all they could do.
Product: Credit card

On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..
Product: Student loan

There are three student loans showing up on my Mohela account that were paid off. 

XXXX XXXX XXXX XXXX with a principal of {$1300.00}. 
XXXX XXXX XXXX XXXX with a principal of {$2200.00}. 
XXXX XXXX XXXX XXXX with a principal of {$3300.00}. 

These three loans were PAID off when the servicer was XXXX. 
These loans were not present on my account a few months ago. 
It is the responsibility of MOHELA to communication with XXXX to ensure what loans were paid off. 

MOHELA has also started charging interest on student loans when the Biden Administration has stated Student loan interest will resume starting on XX/XX/2023, and payments will be due starting in XXXX. 


I have tried numerous times to call MOHELA and only a machine answers that eventually just disconnects after waiting an hour.
Product: Debt collection

|I enrolled in a debt resolution program with XXXX XXXX XXXX in XX/XX/XXXX and authorized them through a Power of Attorney to negotiate with my creditors, including Wells Fargo Bank , N.A . I have made consistent monthly payments of {$460.00}, processed by XXXX XXXX XXXX. 

Despite Wells Fargo being listed in my agreement since XX/XX/XXXX, the company failed to negotiate or notify me of any issues. On XX/XX/XXXX, I started receiving letters from attorneys informing me that Wells Fargo had filed a lawsuit ( XXXX Case # XXXX ). I was never advised of this risk by XXXX XXXX XXXX, nor did they inform me of any failed negotiations. 

On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, I contacted my assigned representative requesting information about the status of the account and any actions taken. I did not receive a clear response or explanation. 

Meanwhile, other accounts ( such as XXXX  XXXX XXXX ) were successfully negotiated, which confirms the program was active. The failure to act or communicate regarding Wells Fargo has now exposed me to legal and financial harm. I have documented everything and attached a formal complaint and evidence file.
Product: Mortgage

I was working with XXXX XXXX ( NMLS # XXXX ) and Quicken Loans on a cash out refinance loan. I am currently in the process of shopping around for quotes. I easily received two loan estimates from two different lenders. When I asked XXXX to send me the loan estimate he was very hesitant and gave me a few reasons why he couldn't do that. I asked to have the loan estimate emailed to me so I could compare " apples to apples. '' At this point he continued to give more reasons why this was not possible. I ended the call asking him for his final and lowest rate. He eventually called me the next day from a completely different phone number than he had been using and did not mention that this phone call was being recorded ( as he had in our previous phone conversations ). In this conversation he told me that they could not work with me on this loan. This seems like a very odd way of conducting business and I was under the impression that once I gave name, income, address, SSN ; that I was entitled to a loan estimate within three days
Product: Credit card or prepaid card

It has been an absolute nightmare trying to use Bank of AmericaXXXX credit card while traveling abroad. I let them know I would be gone for several months, but my card was still flagged and frozen, and the only option to continue using it is to travel hundreds or thousands of miles to the the nearest physical location despite multiple calls, offering to answer security questions, offering to have a family member take copies of my passport into an office, despite having access to all of the account contact methods ( phone, email, physical address ). It is absolutely ridiculous to have such customer service in the XXXX century.
Product: Bank account or service

In XX/XX/XXXX, I filed my Federal Income Tax Return for XX/XX/XXXX electronically through a professional tax return preparer, I was entitled to a Federal Tax Refund of {$XXXX}. The refund was to be directly deposited into my Chase Bank checking account. In the process of providing information to the tax preparer, I made an error in my account of one digit. As a result, the IRS electronically deposited my refund into some other Chase account. In XX/XX/XXXX, when the refund did not appear in my account, I sought assistance from a local Chase Bank manager. She was able to confirm that my refund was deposited into the wrong account, and assured me that the money would be recovered and returned to me. Since that time, ten months ago, I have made many attempts to resolve the issue and have the funds returned to me. I 've made scores of calls to Chase Bank and the IRS. I am possession of various documents from the IRS to Chase Bank confirming that the funds were deposited into the wrong account, and advising me to contact the bank, which I immediately did again and again. On one of the IRS forms, dated XX/XX/XXXX, Chase bank states that the money was received but that the " name does not match '' the account into which it was deposited. I enlisted assistance from the IRS Taxpayer Advocate Service which has informed me that the " IRS does not have the authority to demand return of the refund from the designated financial institution '', and that Form FMS 105.1 was sent to Chase on my behalf to search for the electronic funds transfer, which we know went into the wrong account. While it is obvious, and I freely admit, that I made the original error in reporting my account number, it is also obvious that Chase Bank has been negligent in its duty to ensure that the refund be returned to me, a long time customer and the only legitimate person to claim that refund money.
Product: Credit card or prepaid card

Dear Sir or Madam, My name is XXXX XXXX, I have a credit card account with Citi card for over 10 years. I always make my payment on time. Due to COVID-19, I received my statement late because New York City was shut down with limited services. 

I contacted Citi card to requested to waive a {$29.00} late fee however they can not waive it with no concrete reason. I think this is unfair. 

I was able to pay my bill during the pandemic. I wasn't asking for an extension, I was asking for a late fee to be wave. 

I need your help in getting Citi card to waive the late fee. 

Sincerely, XXXX XXXX