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

I have disputed an error on my credit report and received the investigation results by email. File number XXXX, however I can not view the results of the investigation having an account already setup to view or make a dispute. I can not access online viewing. When clicking on the link to view the investigation results it states " we can't complete your requests at this time please call XXXX, not able to speak with a live agent. I have contacted Equifax in regard to this matter and was told it was an error and would be fixed, it still has not been fixed and there's a block on my online access. See picture photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Product: Credit card or prepaid card

Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application. 

Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA. 

On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022. 

On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information. 

This is clearly nonsense. 

I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application. 

The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.
Product: Student loan

I am one of the fortunate individuals to have my federal loans discharged for fraud and school misconduct by the president and his administration on XX/XX/XXXX as the XXXX XXXX was found to have been found guilty on several counts. See link for discharge article : XXXX XXXX XXXXXXXX After sending a XXXX via the CFPB, school misconduct discharge application was received on XX/XX/year>. 

On XX/XX/year>, I sent my application, evidence and anecdotal information that the XXXX XXXX committed fraud and school misconduct through aggressive recruitment tactics, misrepresentation of job rates, etc. 

XX/XX/year> - Denial received and asked for reconsideration and additional criteria needed for school discharge. I received the reasons for denial being : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' -- After asking for reconsideration and what evidence I needed to supply in addition to what I provided, they said they re-reviewed my application and that I was not eligible for discharge. 

Despite being forgiven by the current president and his administration at a federal level for fraudulent loans, Navient refuses to discharge loans for a fraud education I paid for. I am stuck in limbo paying for loans for a school that no longer exists and has not allowed me to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Debt collection

I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you
Product: Credit reporting or other personal consumer reports

I have charge-offs and duplicate accounts on my credit report which are due to identity theft. I mailed TransUnion regarding these issues and they did not provide me with how they verified those accounts. 

See attached all the supporting docs I have sent them
Product: Student loan

Hello I was surprised of this company continue to raise my payment every six months to a year, so I inquire about my monthly payment. This company claim because I am a XXXX XXXX that my payments will go by my income. I did what they ask, which was my pay stubs, income tax refund, other information and documents that would help to lower my payment most of all that my payment would stay the same for the next ten years. When I finally spoke with someone about pay off, they claim that I old about six thousand more than original because of interest. I could not understand the total price  was different form what they said. They stated that I had to consolidate in order to get the police discount for ten years, so I did. Now it's a different story, I am not allow to do much of nothing, they denied my every request. I asked if I can pay the original loan off, they stated that I have to pay original price off in full and more, there's noting we can do for you, I went through three people before this one nice person gave me some advise. The first arrangement I made with company is no longer valid, so this company pulled me in with false pretense. All I wanted to do is pay off my original loan.
Product: Credit reporting

I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This is regarding my Robinhood brokerage banking account. 

I was trying to close this account but Robinhood refused this request by placing a restriction on my account requesting documents about myself ( bank statement, ID, selfie ). I have submitted all of these information and they still refused to close my account. 

They also refused to transfer my available balance to my bank checking account. 

I don't think it is legal for them to hold all of my funds and refuse all of my requests to close the account. 

Please investigate and help resolve this. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I have an a citi master card account since 2002. I have never been late on my payments. On their ( citi ) website I have an excellent credit fico score of XXXX. I was surprised when I called them today spoke to XXXX to ask them to lower interest rate which is at 20 %. They said NO. She said it goes with your credit report and when you applied for the card. It sounds ridiculous and I think citi are just stealing my money.
Product: Payday loan, title loan, or personal loan

I am reporting this company for past and future loans that they are giving to unsuspecting people. They offered me a XXXX dollar loan tonight with click bait buttons and they want people to pay 9 monthly payments of XXXX dollars on such a loan. I got this offer on XX/XX/2019 then received a call where they tried to push right back into this ridiculous loan agreement. I told him to go wait by a banana boat ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; 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 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from ProtectMyID that I had activity on my credit report. Upon accessing the expirian site and viewing my report I sa w 2 discrepancies but do not know if they are related.    The first issue is a hard credit inquiry from  CBNA  on   XXXX    . I did not authorize this and I am currently not seeking credit of any kind. The   XXXX   site did not give means for addressing this and did not give contact other than a    XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with experian and I need to have that address disputed with the other creditors as well.
Product: Vehicle loan or lease

I leased a vehicle from American Honda Financial in XX/XX/XXXX. Made every payment on time through autopay. At the end of the lease ( XX/XX/XXXX over 6 years ago ), XXXX XXXX financed the residual value with a direct payoff quote from American Honda Financial. ( see attached ) Now 6 years later and in a " blackmail '' fashion randomly and without notice, start submitting a " charge off '' of {$450.00} to all credit bureaus. When contacted they claim it was from property taxes paid in XXXX. I contacted XXXX XXXX County Collector to make sure I paid those taxes and I did as well as American Honda Financial. According to the Collectors office, it was the responsibility of American Honda Financial to have requested a refund since I already paid. They had 3 years to request their refund. They never requested a refund and 6 years later are now reporting to the credit bureaus a charge off. This is completely unacceptable and although the bureaus tell me it will just automatically be removed next year ( after 7 years ) I will not allow this unethical behavior that has dramatically impacted my finances and created hardship for me and my family go unchecked.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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: Debt collection

I cancelled my XXXX  phone service on the phone in XX/XX/year>, and transferred over to a new carrier. 
My phone bill had to be completely paid to even have them unlock my carrier. I paid the entire phone bill with the agent. 


Now they say I owe {$660.00} and I had NO CONTRACT. 
I spent HOURS talking to customer service via text, email, online chat agent and phone i was assured every single time that the debt would be cleared, SINCE I DIDNT HAVE ANY SERVICE WITH THEM ANYMORE. They decided to continue charging me for the phones for MONTHS. 
I have disputed it, and XXXX just parrots the debt collectors, so I'm going to sue now for nuisance value, and FRAUD. 
So, the debt collectors who won't look at my evidence, XXXX who refuses to look at my evidence, and then I will sue XXXX as well.
Product: Debt collection

I have tried sending letters to Midland Credit Management even as early as XX/XX/XXXX requesting validation. Enclosed your going to find pictures of the letters I have sent to Midland Credit Management via certified mail. In over 5 months I have not gotten validation of the debt and it has impacted me. I gave Midland Credit Management 30 days to validate the debt and to correct their records. I have tried in good faith to have them correct their records to no avail. I need help. This has impacted housing, interest rates and other aspects of my life and I still tried to do the right thing and reach out to have the debt validated. This company is now reporting to all 3 major credit agencies information that is not validated and has caused me struggle for no reason. I gave them 30 days and its been over 5 months and there is still no validation or investigation for them to correct their records.
Product: Student loan

On XXXX I contacted Wells Fargo to inquire about the bank 's policies surrounding recasting my private student loan. After being bounced through several different departments because they were entirely unaware of what the word " recast '' means - I had to call back and escalate the call to XXXX XXXX in the Consolidation Dept. This was after being hung up on by a gentleman named XXXX who pretended he couldn't hear the incoming call. Wells Fargo is already notorious for having an outrageous recast minimum of XXXX on their mortgages while most banks are XXXX. I've used recasting in past years to pay down considerable student loan debt when I was with XXXX XXXX. Today I was simply trying to get information regarding fees, number of times I can recast and minimum - however I can't seem to talk to anybody at Wells Fargo that understands the word. It isn't in my loan documents anywhere - for better or worse - which leads me to believe that Wells Fargo is not in compliance with TILA / Regulation Z - they should have disclosed any and all terms and fees to me within that document or at the time of borrowing. Only after mentioning CFPB to XXXX, I was told that the call would need to be transferred to the Executive Office. I read this complaint on a recorded line to XXXX for accuracy. 

Was escalated to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request to put a security freeze on my credit report. I'm also opting out of XXXX, XXXX XXXX, Innovis reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical collections showing on my report from XXXX XXXX XXXX, and the original creditor for both is XXXX XXXX XXXX  As. One is for {$100.00} which shows as opened on XX/XX/XXXX. The other is for {$140.00} and shows as opened on XX/XX/XXXX. I have medical insurance, and don't owe these debts, but they're still showing on my report. This needs to be removed from my credit, as it isn't mine.
Product: Mortgage

In XXXX XXXX I submitted all my documents to Chase for a loan Modification. 
In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make 2 payments. So in XXXX XXXX I did so but as soon as I did I was denied for my modification. In XXXX XXXX I was told by chase to stop making my payments to qualify for the modification but now they have no record of it. they told me in XXXX XXXX when I called back Chase to see what was going on I had n't heard back them that it would n't matter that if I did n't get the modification Chase was going to foreclose on me anyway. At is why I am over 4 years 7 months behind on my mortgage. I have been denied for bring my account current, XXXX XXXX I was denied for being 12 month behind on my mortgage and I was n't, them I was told then did n't have a program to work for me. Now after 4 1/2 years I 'm being told that I should have reaffirmed my debt before applying for a modification. I worked with XXXX XXXX XXXX XXXX in XXXX, I have worked with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have a number of other ones and just went back through XXXX XXXX XXXX XXXX again. How can all of these housing counseling companies HUD and Making Home Affordable and they tell me that I qualify for the Loan Modification for the last 4 1/2 years but Chase ca n't. I need to save my home. They have put a sale date on my home for XXXX/XXXX/XXXX and was only told XXXX XXXX/XXXX/XXXX This is wrong I have everything I can do to save my home but Chase just does n't want to work with me. Please can someone standup for me instead of the banks. I have turn to everyone for help and everyone stand up for Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX account XXXX Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX XXXX XXXX account XXXX Delete this account for violation because the date last active is XX/XX/XXXX for XXXX XXXX XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax