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

FEB/Destiny - Pulled a hard inquiry for a credit check. I did not authorize this credit inquiry. I was unaware that this inquiry was on my credit report with the 3 credit bureaus. [ [ [ [ My last name at the time the inquiry took place was XXXX ] ] ] ] I have since restored my name back to my maiden name XXXX XXXX XXXX I have attempted to contact the company to let them know this hard inquiry was not requested by me and was most likely fraud, but the contact number on the credit report is not in service. I contacted the credit bureaus and they suggested I file a complaint with FTC and also mail the credit bureaus a letter disputing the hard inquiry with a copy of my drivers license. I mailed out those letters this morning, Tuesday, XX/XX/XXXX. 

Here is the information of the company that ran a hard inquiry : FEB/Destiny Inquired on : XX/XX/XXXXXXXX  Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Any assistance in having this inquiry removed from my credit report is greatly appreciated. This has caused a drop in my credit score. 

Thank you, XXXX XXXX XXXX ( Formerly XXXX ) ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

We applied for a loan modification with NationStar Mortgage. The bank denied our modification request, but did not finish the denial properly. We requested supporting documents, and the Bank said they had until XXXX XXXX to reply to us. Despite our requests for the supporting documentation, and frequent follow-up, with no response from our S.P.O.C, the bank went ahead and set a Trustee Sale Date for XXXX XXXX. XX/XX/2014On the bank 's original denial letter, they offered us a " short sale option '' which we wanted to go forward with. The bank gave us specific and lengthy information on the short sale process The bank went so far as to send us the paperwork to fill out and provide us with an email address to return the short sale documents to. We completed the requested documents on the day we received them, and returned them to the bank via their specific instructions that day. 

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach  out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Product: Money transfer, virtual currency, or money service

I have made a complaint concerning this already, but US Bank did not do its due diligence in investigating the matter. Specifically, no one over there seems to be able to look at the BILL PAYER side of things. If someone can actually access that portion of their system, they will immediately see that what I'm saying is true. 

To reiterate and expand upon my complaint : On XX/XX/2020, I tried to send {$250.00} to a specific credit card I have with XXXX XXXX XXXX. When I clicked to complete the transaction, I got a message saying it failed. I immediately tried to do it again. It failed again. That was in the very early hours of the morning ( likely between XXXX XXXX  and XXXX XXXX EST ). I planned on trying again later, but before I got the chance, {$250.00} came out of my account at XXXX XXXX  EST. I didn't authorize that. Moreover, the transaction did NOT show up on the bill payer side. I waited a number of days to see if the money would make its way to the correct destination, but it never did. I contacted XXXX XXXX  XXXX about this. They sent a letter confirming that the money is NOT in their system. 

This next part is important because it confirms this is a US Bank issue. Exactly one week later on XX/XX/2020, the BILL PAYER side of the system tried to take out {$250.00} and send it to the same credit card. Once again, the attempt failed. Nothing changed on the " Activity '' side of the US Bank card. 

The letter I previously received from US Bank says their systems indicate the amount was debited from my account, but that does NOT address the issue. I can see that it was debited. But if this transaction was done properly, then I should ALSO have a record of {$250.00} coming out on the BILL PAYER side. I don't see that. In contrast, I can match up literally every other BILL PAYER transaction with every debit under the " Activity '' side. This is the sole exception. 

Here are the reference numbers listed on the BILL PAYER side under " Payment History ''. 

XXXX - This is the FIRST reference number for XX/XX/2020. 

XXXX - This is the SECOND reference number for XX/XX/2020. 

XXXX - This is the THIRD reference number overall. It is for XX/XX/2020. I did not attempt this. 

It is abundantly clear that this is an issue in US Bank 's system. That is the only reason there would be an attempt to take {$250.00} out of my account exactly a week after the initial failures. Furthermore, US Bank should be able to sync up the first two failed attempts. Once they do that, they will see that the time for those doesn't match the time ( XXXX XXXX ) when the money left my account ( and went into some computerized netherworld ).
Product: Debt collection

In mid-XXXX, XXXX notified me that Phoenix Financial Services had me in collections for a {$3200.00} debt to XXXX XXXX XXXX. 

I know nothing about this debt, did not authorize and have filed a Police Report. 

This transaction needs to be removed from my credit history and my credit score restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. 

{$2000.00} is the " past due '' notated on credit report. 

I have disputed this with the credit reporting agencies several times to no avail. If anything, the company take punitive behavior toward me in regards to what the report to the credit agencies. 

At once point, this company, sent someone to my front door in XXXX XXXX, TX to intimidate me into paying a debt that isn't mine. I found that to be completely unacceptable. No one has the right the come on my property and intimidate more or should I say attempted to intimidate me. I asked him politely to remove himself from my property. This has never happened to me before and was way over the top. 

The company in question is Preferred Credit, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX, phone number is XXXX. 

The continually harass me about a debt that isn't mine to begin with is completely unacceptable. I want this to end and to have all information removed from all three credit reporting agencies ASAP!!!
Product: Debt collection

I went to XXXX XXXX XXXX here in XXXX Georgia around XX/XX/year> to have my XXXX XXXX XXXX after a XXXXXXXX XXXX  frozen turkey fell on my foot at the local XXXX. I may have received written notification about this bill from XXXX XXXX XXXX I am not sure about that. I started receiving constant calls and messages from Americollect stating that were debt collectors and to call back. I finally called back to find out whats going on why were they calling. I was told about the XXXX bill with XXXX  XXXX XXXX made payment arrangements. Two days later I got another call from Americollect asking the same questions I just answered 2 days prior. Since that time I have gotten 5 or 6 more calls from Americollect asking me about payment arrangements I told them I have already made arrangements then they said I dont see any payment arrangements thats not my fault that your company has such a outdated system. I have yelled at the collectors to stop calling me the calls have continued.
Product: Credit card or prepaid card

I purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current. 
My credit age now is 0 months and account balance is 0 also. 
I would like to ask to correct this information Thank you
Product: Credit reporting or other personal consumer reports

I am filling this complaint to EQUIFAX with confirmation number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Money transfer, virtual currency, or money service

I purchased {$50.00} of XRP  cryptocurrency with Coinbase.com. I followed all of their verification requests and successfully purchased the crypto. Following my purchase, I attempted to access my account with the email and password that I provided. It worked fine and I confirmed the purchase was made in XX/XX/year>. The next day I attempted to access the account, again, and the website Coinbase.com indicated that my email address was not valid. After multiple attempts to work with online Coinable customer service, they informed me that they have no record of my purchase and they do not recognize my email. I have a paper trail of the bank transaction and all of the correspondence saved. They will not respond to my question as to what they did with my money by indicating that without a valid email address ( which is ridiculous ) they have told me that can not and will not assist me further.
Product: Credit card or prepaid card

When I went into Wells Fargo Bank to cash a {$340.00} check, I made a payment on my Wells Fargo credit card inside the bank. 

While this transaction was being made, the young lady was running her mouth, while handing my funds. 

This is not my first time making payments on my credit card in this bank. 

When checking my credit card two weeks later, that's when I notice my payment wasn't applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a Grantor with my name and social security number also personal information. There are leins, repossessions, lack of real estate and judgements from an unknown source. The credit bureau is allowing breaches and I don't want to be involved. Please send feedback of this suspected guarantor. I did not authorize or sign any documentation stating my awareness of the security freeze and fraud on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple accounts that dosent belong to me which is ( inquires ) and i tried to send the dispute letter to them ( equifax ) and they did not delete these accounts please i want to report them for not protocting my privacy equifax XX/XX/2023
Product: Student loan

I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me
Product: Credit reporting

I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX  - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXXs have failed to do so.
Product: Student loan

At some point in the past year, my student loans were transferred from Great Lakes to Nelnet. I graduated with my XXXX in XXXX but my last active attendance date was XX/XX/XXXX. I set up autopay on the Nelnet site in XXXX when my XXXX student loan payments resumed and XXXX student loan payments started. The initial payment occurred XX/XX/XXXX as an autopay. I switched repayment plans and my next payment was in XXXX XXXX covering XXXX 's payment on the new plan as well as XXXX 's. From that point, the monthly payment was supposed to be around {$260.00} that varies a little based on month length and maybe interest rates, or maybe loan reductions by the Biden administration. 

For reasons I can't figure out, starting in XX/XX/XXXX Nelnet has split my autopay due date into a XXXX dollar payment for XXXX student loans and a repayment of the grad school loan payments into a different due date. I think it might be associated with Nelnet getting folded into studentaid.gov. Unfortunately, autopay knows to XXXX  out my balance on the XXXX XXXX due date but it is taking the full XXXX payment on the grad school loan payments which should be around XXXX. My best guess is your backend dev pulled the payment values from a database instead of the function defining the values when the studentaid.gov change happened. Or I had to manually set the autopay value when I set it up which is terrible system design. In either case, there is no way I'm the only person this has happened to. 

My complaint though is that I can't edit my autopay electronically to stop them automatically overcharging my account. The only option they provide is to increase my payment amount. Additionally, the option to contact them electronically is not listed on their contact us page. Instead it is in a hard to find place on your personal dashboard page.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank hired clearly international call center reps to call me regarding issues with my account. I repeatedly asked to speak with a US native or someone that could verify they were from my bank or country. The representatives repeatedly told me I would receive a call back when I placed my request. I never did. Every call I received was an XXXX sounding individual stating they are from Chase and requesting my social security number. No one in their right mind is giving their social out over the phone to someone from a call center, nonetheless outside of the US.

Given Chase used tactics that any reasonable individual would presume may potentially be fraud renders their " attempts to contact '' null and void. They may save on labor costs by outsourcing to a foreign country, but it undermines the validity of their process. Furthermore, when I requested information to verify they were from Chase, they could not provide any proof. When I asked for a call back from someone in the US or at a bank branch in my city or country, they never did. How would I ever presume there was an actual issue rather than a scam.
Product: Student loan

I graduated XXXX school in XX/XX/XXXXand finished residency in XX/XX/XXXX. My student loans came due before I finished so I had to consolidate because otherwise our monthly cash flow would be unsustainable. The original amount was ~ {$110000.00} and the interest rate was ~6 % which was the weighted average of the interest rates of all the individual loans I initially signed. I signed up for auto pay and received a slightly lower interest rate ( 5.75 % ) and a {$4000.00} onetime bonus. At that time, the holder of the loans was XXXX XXXX ( I believe ) who then sold it to XXXX  who held them for about 12 years. The consolidated payment was $ XXXX/month but I began paying {$770.00} in an effort to reduce the principal. More recently, XXXX sold the loans to Nelnet and my first monthly statement from them showed my minimum monthly payment was {$770.00}. This alarmed me because I wanted to insure that the extra $ XXXX/month was credited to the principal to keep paying it down. I called Nelnet about the change and was reassured that the actual monthly payment due was still {$660.00} and that my extra payment was going to the principal. Just today however, I contacted a lender about refinancing one of my houses and during the information gathering, he told me ( while looking online at my credit score, loans and other financial obligations ) that the Nelnet loans ( I was unaware that there were actually 2 loans since I have only been making 1 payment the entire time ) had an interest rate of 7.4 %!! None of my individual, original loans had an interest rate this high! I've been making steady payments for over 15 years and have never missed a payment. I realize that amortization loans have high upfront interest payments but my outstanding balance of {$74000.00} still seems like an enormous amount given the fact that I've been making $ 101/month extra principal payments for over 5 years. I'm so upset and feel like I've been cheated by XXXX or Nelnet and didn't know where else to turn. The lender with whom I was speaking told me about CFPB so I'm reaching out to see if I can get clarity on this issue. I want to believe in organizational integrity and the general honor of mankind so I hope this is just a misunderstanding on my part. My fear is that my payment of {$770.00} was adopted by Nelnet as the minimum amount and that the interest rate was altered to extrapolate that over the term. Any clarity on these matters would be so welcome and would really bring peace to my heart.
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B.

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being.

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information
on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer.

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided.

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this information.