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

On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.
Product: Student loan

Over the years I've been struggling to find a job in my field of XXXX XXXX w/XXXX  XXXX. I've reach out to the school ( XXXX XXXX XXXX on several occasions for job, and more internship assistance to no avail. I was guaranteed job placement, and the only thing I received was a dent in my credit report. Do to not being able to work in my field, and having to work dead end jobs just to pay my bills, I'm now in a financial strain. I'm very disappointed in the service I've received. What was supposed to be the best decision of my life, ended up being the worst decision of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is an account that i demand be deleted from my credit report on the basis of so many inaccuracies and incomplete information. Wrong Charge off Date ( 1099-C ) was issued after being filed, which enabled the debt to become income. States IRS Publishing- account should not be listed as a charge off which is not income and income can not be reported noncredit report. Also account has No balance recorded, no payment history reported etc XXXX  15 US Code 1681s-2,1681s-2ab2
Product: Credit reporting or other personal consumer reports

I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship manager, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
Product: Credit card or prepaid card

Happened during the end of 2015. I noticed using XXXX XXXX that a card was opened under my name from American Express with me owing over {$12000.00} called American Express numerous times to close this account and tell them it is a fraud card not opened bymyself kept opened for over few months period. Calls range from XXXX hour XXXX times of the week to just keep following up why they still have this card opened. They kept telling me that I am paying the bill for this credit card and that I was unable to close the account. They wanted me to go to XXXX XXXX XXXX which is where the payment is coming from to verify the name on account to ensure it is not me. I dont even bank with XXXX XXXX XXXX so they will ignore me. I give calls backs and forth to Amex Express and XXXX. Amex needs a letter stating from XXXX that myself do not have a bank with XXXX and I am not the one paying for this Amex account. XXXX was unable to do it back and forth. I had to speak to a higher up to confirm that I do not have an account with XXXX and get that letter notarized and faxed to Amex. Amex would tell me they never received my fax multiple time and say no update each day. 

I opened a case with XXXX because this was not going anywhere and had a person specifically to handle this case. After 2 additional months they realize that they linked to same name to one profile and has been sending my statement for the past XXXX months to the wrong address. And nothing could be verified on my end because my address was different. I started to receive the other party with same first name new credit card and hes been getting mine. This was during the transition from XXXX leaving Amex to go with XXXX XXXX card. 

My credit card score dropped from almost XXXX to XXXX due to this. They fixed it by submitting it to all the credit bureau that this was not my credit card but its still an issue today. Which is now 3 years later.
Product: Mortgage

I have not missed a mortgage payment in 15 years, the servicer and account number has changed several times. 5 payments have been made and unapplied, 3 of the 5 have were received by the current mortgage servicer with a previous account number, however the address, amount, and dates were verified by XXXX  XXXX XXXX XXXX banking department as being sent and not returned. XXXX of the 5 payments were returned by the previous servicer. Currently the servicer, Mr Cooper is stating they need 6 payments to avoid foreclosure, even though they were faxed verification from the bank 3 of the payments were received, they have refused the additional 3 payments from me. Please see payment date and amounts. 

XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXX XX/XX/2022 {$850.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$850.00} XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I proceeded to my XXXX where there were two XXXX boys selling chocolate. They approached me asking if I was interested in buying a bar to raise money from their high school basketball team. I said I would buy one but didnt have cash on me and tried to walk past. They said they had XXXX XXXX  and Venmo. I thought sure why not? I asked the guy what his Venmo was but he said he could input it. Foolishly and regretfully, I allowed this person to input the amount. When he was done, I asked for a chocolate after he finished the transaction, which at that point, I didnt check yet. He was so hesitant to give me it. I walked into the XXXXXXXX and to my dismay this person charged me {$1000.00} dollars for a chocolate bar. I knew I was scammed. I immediately told security of this incident and told them those XXXX were scamming people on their property. This is a XXXX located in XXXX on XXXX. I went back to my car and called XXXXXXXX XXXX  to stop the payment. I also filed a dispute with Venmo letting them know of all these details and they froze my account for my safety, at least that was what I was led to believe. 

Today, I received two emails letting me know that they had withdrawn the remaining {$7.00} from my Venmo account and paid this individual {$1000.00} and that I owed Venmo the remaining {$990.00} after the trauma of being deceived out of my own kindness to help what I thought was good only to get backstabbed my Venmo aka PayPal aka a scam. 

I had every right to protect myself and now Venmo is siding with the individual whos basically a criminal and probably working under larger criminal entity for all we know.
Product: Checking or savings account

Checks were deposited to the business checking account XX/XX/XXXX. {$12000.00} approx. 
Had been depositing check for the past two years with no issue or concerns from Wells Fargo. In XXXX the checks were deposited and nothing was addressed at that time. On XX/XX/XXXX the bank decided to hold the funds after they were cleared and close the account. The funds held were {$8800.00} and they sent me a check for XXXX cents. 
I have made calls to Wells Fargo, Operation, Fraud prevention, Executive office and Complain department to Wells Fargo for the past 2 year in an attempt to recover my money. 
To date this has not been resolved and no funds are being credit back to me. 
Calls made and letters sent. XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They keep wanting to have all endorsers 8 of the individuals to come to the bank with their ID in order to release the funds. These were temporary workers and no longer are with the company or in this county. 
The payee were identified at the time of cashing the checks. My company provided the service to cash the checks and am the guaranteed endorser on the back. The checks have been paid and cleared based on the federal reservice clearing date. It has been 2 years and the funds are still being held by Wells Fargo. The request is to release the funds and apply it to my line of Credit with the bank immediately to relieve the financial stress this has caused. Please assist in getting this resolved.
Product: Debt collection

Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive " that the statues do not apply to them, they called again today after another cease and desist from a new number XXXX, the harrasment has to stop the debt is no longer enforceable, and the do not care about the consumber protection laws
Product: Credit card

On XX/XX/XXXX i canceled a service well before the contract specified time. I provided an email to the company of my request and disputed the charge through both Credit Cards I used for the purchase. The first immediately resolved the dispute. Citi did not. XXXX is the dispute number. 
On XX/XX/XXXX they sent me an email that went to my spam folder requesting additional documentation. Since I didnt see the email, I did not know until they closed the dispute on XX/XX/XXXX when I had to log into the Citi application to see the dispute was denied. It said I could request to reopen the dispute, which I did on XX/XX/XXXX and included the requested documents. 
On XX/XX/XXXX I received a thank you email from XXXX for providing the documents. 
On XX/XX/XXXX I resent the documents and requested confirmation of receipt with no response. 
On XX/XX/XXXX I received another thank you email from XXXX for the documents. 
On XX/XX/XXXX I received a request to provide the sales contract I was canceling, which I had already sent XX/XX/XXXX and XX/XX/XXXX. I also attached the cancellation notice I sent to the merchant. 
On XX/XX/XXXX I resent the documents by email and requested the mailing address to send the documents to. My request was again ignored. 
On XX/XX/XXXX I called Citi to speak to a representative. The representative confirmed all the requested documentation was present and requested the dispute be reopened as it was closed again with no explanation. 
On XX/XX/XXXX I also resent the requested documents and requested a mailing address. My request was ignored. 
On XX/XX/XXXX I sent another email requesting status and a mailing address. I am waiting for a response and I will send an email every day requesting the mailing address and including requested documents to prove I did my due diligence while Citi did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account
Product: Credit reporting or other personal consumer reports

My complaint is with Experian. I received a fraud warning on my credit card. One of the fraudulent charges was purchase of a credit report from Experian. I wanted to check if anyone had made unauthorized inquires using my SS #. I created an account with Experian several years ago, but never really used it. When I tried to log onto my account their system tried to verify my identity by sending a code to my old phone number. There is no apparent way to update one 's phone number on their web page. I tried calling their XXXX number. All you get is an computer answering service, and none of the options are what I need. I was told by their computer that it is not possible to speak to a human. 

After searching the web with my problem, I found a number that would get me in contact with a human at Experian. I've tried this number several times. A human answers and asks your issue. You then get transferred, but no one ever picks up. I've tried this a several different times of the day. After several hours of waiting on hold I've given up! I still have not resolved my issue, and do not know the extent of the fraud against me. Please Help.
Product: Credit card or prepaid card

Paypal charged me twice for the same credit card bill once on XX/XX/XXXX for {$790.00} and again on XXXX XXXX for {$790.00}. Customer service said I would receive a refund for the overcharge but I never got a refund. Paypal then locked my account and requires me to reset my password, but their online service is malfunctioning and won't let me reset my password. Then again on XX/XX/XXXX I tried to redeem over {$40.00} of cash-back rewards I earned from my monthly spending and their system said : " an error occurred, please try again. '' This error resulted in me losing the $ XXXX I rightfully was entitled to. My account now shows that I have no balance to redeem, and I wasn't credited any cashback to my account. I have tried to contact customer service multiple times, but they are not available to help. This is banking fraud, and they need to be held accountable. Paypal owes me over {$830.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is making a joke towards the CFPB 's ability to enforce regulation : On XX/XX/XXXX I filed a complaint # XXXX - XXXX against Experian. Here is that complaint : Concerning complaint # XXXX filed on XX/XX/XXXX, Experian claimed the XXXX account hd been reported timely. I am asking for Experian to answer the following questions. 
XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/XXXX information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at XXXX? 

Experian response : We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
As you can see, my complaint is as SPECIFIC as can be. Experian claims it is NOT specific. Meaning Experian can not answer because doing so will would be admitting guilt. 
Here are my question again : * XXXX. On What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report? 
XXXX. Once the new balance from XXXX was reported my credit available to credit limit percentage dropped from 70 % to 47 %. Yet my credit score Experian reported did not change. Is the amount of credit I use compared to the amount of credit I have available a factor when credit scores are compiled and from their knowledge how much of a factor does the FICO scoring system put into the balances to consumers revolving credit?
Product: Mortgage

In XXXX we received a mortgage from VyStar Credit Union. Our house was around {$270000.00}. When we went back to the credit union to discuss refinancing our loan in XXXX for extra money to add an enclosure to our house we were told that if the loan they had put together for us was not signed then they would consider foreclosing on our home. We were terrified that they threatened us with this, so we felt in order to save our home that we had to sign, we had no choice. They gave us no choice for anything else. Our interest rate changed from 4.5 % to 4 % but later we found out that the loan was not for XXXX  years but for XXXX  years. The payments were only {$330.00} lower a month. I feel that this tactic that they used on us was illegal and without merit. After paying on our house since XXXX, 19 years, we still owe {$280000.00} on the mortgage. My statements still state that I have a XXXX fixed loan, not anything more than that. 
I want them to explain why they chose to go to such extreme measures to secure a loan. It was in their best interest, not ours. 
Please advise,
Product: Credit reporting or other personal consumer reports

After disputing incorrect information on my credit report, for which I requested the method of verification and detailed information about the contact they had with the individuals reporting inquiries on my credit report, which, under the FCRA law, do not serve any permissible purpose such as a firm offer of personal credit, employment, insurance, or a court order, and are not within my knowledge, I am requesting their immediate removal from my credit report as they are causing damage to my personal credit history. Despite several dispute attempts, I have not found a solution to my problem. I am once again asking you to reconsider my dispute and provide detailed information on the investigation ; otherwise, I request the immediate removal of these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX number : XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX. XXXX account # XXXX, XXXX  and XXXX. IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and invalid information on my credit report. Its now over 35 days later and I haven't received a response. At this point I feel my disputes are being ignored. Section 611 ( a ) states that a failure to investigate disputes within 30 days gives reason to immediately remove the information from my credit report. It has been over 35 days therefore the information should be deleted immediately. This information has caused me unexplainable stress and if information is not deleted immediately I will be forced to file for litigation.
Product: Debt collection

I called this company and wanted to pay the {$86.00} debt on my credit report. I wanted to pay it so they would take it off my credit report and this lady told me I owed over {$400.00} and she would take my payment but she would n't remove the derogatory remark off my credit report but XXXX reporting was coming up and she would place debt on there that I have no records of. So I hung up on her and am now wondering what else I can do and if this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect 30 day late payment reporting for the month of XX/XX/2021 on my Bank Of America Account XXXX with a credit limit of {$1700.00}. This information is false. I have never been late on a payment, it must be some kind of bank error. Please remove this late payment in XXXX and update it to show current.
Product: Money transfer, virtual currency, or money service

My bank does n't send transactions to the app, so they app does n't allow me to cash out money for over a day sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to solve the problem with no success XXXX XXXX XXXX is not my debt
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX : {$7200.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX  XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX