23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have asked to experian to correct their reporting and report an account as closed as it is reporting closed and with no activity since XX/XX/year> and they insist that based on their investigation the account which shows not activity since is not reporting as closed based on the information that they received. I asked to send me the information and the method that they received proving the results that they are reporting and they refuse to do so. They state that the law does not require them to do so and when I insisted they just kept repeating the same thing " the result that you received are the result we have, is there anything else i can do for you? '' when i specifically asked if they were officially refusing to provide me with the information that I had requested, they advised me repeated : " the result that you received are the result we have, is there anything else i can do for you? '' its as if they were avoiding answering my question and they get repeating the same thing over and over until i said goodbye.
Product: Money transfer, virtual currency, or money service

I sent out an international wire on XX/XX/XXXX through TD bank US to a XXXX in XXXX. It has been over two months and the receiver still has not received the money yet. There's an investigation for TD bank to trace the money. I have followed up with TD bank multiple times but there's still no result of where the money is at this moment. 

- XX/XX/XXXX : initiated the wire transfer - XXXX : additional information requested by the interim bank to complete the wire. It seems like the wire went through additional security check. Additional information requested was all related to me ( my name, address, date of birth, place of birth, citizenship, country of permanent residency, ID, purpose of payment ), which I believe should all be on file. Is TD 's lack of due diligence on the wire causing the additional security hold of this wire? 

- Around XXXX : after following up with TD multiple times and waiting for the case to be investigated, I went to the branch and I was told the money would come back to my account because the swift code was changed from the receiver bank to TD 's swift code and the money should be deposited in my account by the end of XXXX. 

- XX/XX/XXXX : the money is still not deposited into my bank account. I called the customer service around XX/XX/XXXX and I was told the money was received by the receiver on XX/XX/XXXX. On XX/XX/XXXX, I went to the same branch I went on XXXX and I was told the money should be received by the receiver. I asked for a receipt or proof and the representative told me the manager was not around so he didn't have the access to print out the proof. He told me to go to the other branch and the other branch should be able to provide a proof. I went to the other branch and I was told the investigation doesn't have a result and was closed on XXXX without knowing if the money was received or not. The investigation was reopened. - I have been receiving the misleading information about the status of the wire from the first branch I went to and it caused further delay of the money being traced. 

- XXXX : I contacted the customer service and the investigation is still going on. It has been two months and the money is still not deposited into the receiver 's bank.
Product: Debt collection

On XX/XX/2016 we bought XXXX XXXX XXXX to purify our household water and our drinking water. With the notion, that the system will take out all impurities out of our water. After 3-4 months from the date of installation we started noticing a yellow, orange, red, and greenish color substance in our showers, toilets, and sinks. So we called the sales person over 50 times and he did not answer. Finally, we got in touch with the main office and the manager called us back. He came to the house, we showed him the problems. He took samples, and they were inconclusive. Then we called again, spoke to another manager, he came out same thing. Then they sent a tech out, the tech informed me that the reading should be under 10 because it is a new water system, when he did the test, there was no difference between the city water coming into the house and the water coming out of the system, which I saw with my own two eyes because he was showing me the reading. After he saw the readings he tried to change his story so we called the main office and spoke to the main guy in California. After a heated debate we left off on that he was going to figure out an alternative option something like switching out the machine for another one and we hung up. Working 7 days a week, months and months went by but nothing was done. We didnt receive not one call or come to any solution. I got sick, my XXXX  XXXX was as big as my XXXX   XXXX. My doctor asked what I was drinking and eating because it could be a XXXX XXXX. So after doing a XXXX  & XXXX they still couldnt figure out what was wrong. So I stopped drinking the water and cut off the payment that was being directly withdrawn from my bank account for almost two years. Ironically, my health got better yet my level of stress with this company got higher. Thats when they started calling us. We explained the situation they told us they would get back to us within 48 hours and nobody called us back. They sold our account to a collector who demanded payment. We explained to them the situation they said they would call us in 24-72 hours and no one called us back. A few months ago they called us again. We explained to them the situation again this time they even confirmed the notes on the account & said they never received one single payment. Which is a lie because we have bank statements to prove it. We even told them to come get their machine and they said that it would be a good idea to come get it and yet again NOTHING was done. Forcing me to pay for something that doesnt work is not right. They also stated every time that we were on a recorded line so they should be able to confirm the same thing I am stating. They even said they have a lot of notes on the account and even said they had everything documented yet nobody did ANYTHING to help fix the  problem. We are still waiting for their phone call. I went to buy something the other day and noticed they are hurting our credit and I dont know if to get legal counsel and file a law suit therefore I am here begging you for your HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters requesting my information be updated to XXXX, Equifax, and XXXX. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.
Product: Debt collection

Ive never had a contract with Convergent Outsourcing, a debt collector, for any debt. I have been asking this company since XX/XX/2023 to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit reports. I have not agreed with any results of their investigation, and they have done nothing to verify. I have been asking Convergent Outsourcing to mail me the proof of their investigation and proof that they, as a debt collector, has a legal right to collect for a debt, or delete this account from my credit profiles. 
Furthermore, the address noted for this debt is a fraudulent address that is not verifiable anywhere in the city or state where I reside in Texas.
Product: Student loan

Over 10 years ago, I inquired about the loan forgiveness program for XXXX and or those working in XXXX XXXX, and I was told that I had to make " consecutive payments '' for 10-years, and to call back after all payments were completed - this information was given to me by customer services ( I am not sure which lender I had at the time ).
Well, over 10-years have gone by, and I called back to inquire about the program, and I was told I did not qualify because I had never completed the " proper paperwork '' to qualify. I stated that I was not told that at the time, and that all I should be concerned is " making consecutive payments for 10-years ''. I was told by Navients customer services representative, there was nothing they could do. All they can do is start me on the program and start the program from the beginning - and not taking into consideration my previous payments. I was shocked and sadden to learn I did not qualify for the forgiveness program due to being misinformed - is there anything that can be done? I have thought about getting an attorney, but same that seems useless. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including Early Warning Services , XXXX XXXX XXXX XXXX XXXX, and XXXX. Without my written or verbal consent or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

I have XXXX accounts with Concora Credit, approximately in XX/XX/year> I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis because they are a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, TU, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, TU, XXXX  )
Product: Mortgage

I am trying to refinance my home mortgage for a better rate. Found this lender ( XXXX ) through XXXX website ( XXXX XXXX XXXX ). They dropped the ball hard. XXXX XXXX was our loan officer and after getting us into the refinancing process, he acted completely differently. The rate was locked on XX/XX/2019. I'll keep this brief but my experience echoes a lot of what other 1-star reviews out there on XXXX website say - he didn't answer the phone on time and called back late in the evening, he ignored emails, when he did respond via email it was with partial and obscure answers. There is almost no communication about the loan and I ended up sending email constantly for the status update. In the end, we missed our close date on XX/XX/2019 completely due to the circus that is XXXX and XXXX XXXX. I agreed to pay extra fees for rate lock extension penalty in order to keep the process moving. Then the lender missed the deadline again! Received the updated Loan estimate on XX/XX/2019 and they charged for even more of penalty. I refused to pay any further extra fees due to their incompetence. It definitely wasn't worth the headache or stress. They don't even know their own programs and asked for unreasonable requirement in the process just to hose me and slow things down so that they can collect extra fees. 

This is very frustrating and disappointing. This is definitely a scam to bring people into the process. They wait for the rates to go up and come back to charge you more using all sorts of excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inaccurate inquiries on my credit report due to fraud and a collection account that is not mine because I have no signed, notarized contract or document between myself and that collection agency for them to collect a debt from me and the credit bureau will not remove it. These items are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/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 US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX I also have a revolving account that has late payments that they refuse to remove. Those payments were late during the height of the COVID pandemic and according to the CARES Act, those late payments were not supposed to be reported : XXXX XXXX Account Number XXXX XXXX Account Status OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type LINE_OF_CREDIT All of these items should be rectified on my credit report. It has a fraud alert on it since last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

2. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

3. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

4. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

5. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

7. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

8. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

9. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

10. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

11. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Equifax XXXX  and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with XXXX XXXX. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the CRAs and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.
Product: Credit card or prepaid card

It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX  I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts showing charge off but I have received a1099cs so that means it should not be reporting on my report as a charge off if one has to claim it as personal income on ones taxes the account is also over 7 years old.Experian is the worst agency ever placing things on my account that are not authorized like fraud alerts if it is not removed immediately the next step would be litigation the gaps in reporting on payment data just shows a dash their reporting practices and methods are very unprofessional nothing ever gets resolved contacting them so the complaint will not only go to cfpb also the attorney general and tigta as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

The Mattress Firm / Synchrony Bank credit card was offered and I opened an account based on the deal associated with purchasing a mattress / bed. After a couple years of payments, Synchrony Bank is now trying to change the deal by adding new fees not part of the original deal. Specifically : Paper Statement Fee. We will charge a {$1.00} Monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. To make an election regarding the form of your monthly billing statement, please sign up for or log in to our servicing site. 

Additionally, on their web site they don't guarantee the security of my information and suggest I take precautions. Another online account is another opportunity for online identity theft.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I open a checking account on the XXXX of XXXX with chase bank in XXXX XXXX California. 
I go and try to check my information on my checking account to get a message to call a number i called that number and they say that the are closing done my account.

Also i seen that so one was using my identity at Chase Bank. And chase been one of the banks who had a breach before you will think that they would ask for that person identity.
Product: Credit reporting or other personal consumer reports

Please help me and reach out XXXX if you have any questions I would love to speak with someone about this I am a man older gentleman that is not very aware or privy to the knowledge regarding this and I'm just really scared that someone's using my information. 

I have collections that I never occurred or signed up for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Also I have negative accounts on my personal credit information that I have never seen in my life : : XXXX XXXX XXXX XXXX XXXX