23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been trying to talk to the fraud department for two weeks on hold for over 3 hrs and 40 minutes without any help as I type now I have been on hold for 3 hrs and 17 min and still no help I am occuring fees for late bills and payment DATE TRANSACTION  NAME TOTALED AMOUNT TRANS TYPE CHARGES IN A DAY XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX   XXXX POSTED 1 XX/XX/2020 XXXX XXXX POSTED 4 XX/XX/2020 XXXX  XXXX PENDING XXXX XX/XX/2020 XXXXXXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED 2 XX/XX/2020 XXXX XXXX POSTED 1 XX/XX/2020 XXXX XXXX PENDING XXXX XX/XX/2020 XXXX XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX I XXXX PENDING 3 XX/XX/2020 XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXXXXXXXXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX  1 XX/XX/2020 XXXX   XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX XX/XX/2020 XXXX ALL ACCESS XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX 2 XX/XX/2020 XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 4 XX/XX/2020 XXXX XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX  XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX XXXX 1 Total owed to me XXXX XXXX
Product: Mortgage

I previously submitted complaints regarding mortgage fraud, I received a response from your agency regarding XXXX XXXX XXXX XXXX You agency referenced these reports as duplicates, however, all reference numbers were connected to loans taken out or transferred by XXXX subsidiaries. I created a spreadsheet based on all fraudulent XXXX 's submitted and it appears the above reference reports many not be duplicates. Please review my spreadsheet just to double check, It appears documents were passed to each XXXX subsidiary and new loans were taken out on their behalf which, explains why there was a a balance on the home were was stated by XXXX XXXX to have been paid off, This document is located in the Georgia Clerk of Superior Court System. We have never refinanced any loans on our personal property.
Product: Credit reporting or other personal consumer reports

Transunion allegedly stating they did and investigate. As you can see in the attachments they lied. They didn't do anything. This is fraud and misleading. I will be suing.
Product: Credit reporting or other personal consumer reports

Hello please remove this fraud and delete this fraud from my credit report because this was open due to fraud XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts and inquiries appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I going through a divorce and was trying applying for a place to live when I discovered this collections. I reach out to dispute and proof of this collection never received info. Instead a false payment of a {$1.00} was added to the account as if I had made a payment and I clearly did not. Requesting immediately removal of fraudulent account.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.
Product: Credit card

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Product: Student loan

Mohela was required to place student loan borrowers on administrative forbearance for XXXX, XXXX and XXXX, due to them failing to notify borrowers in adequate time of the payments starting after the COVID-19 payment pause. Mohela informed borrowers at the time that payments due during this time would count towards public service loan forgiveness. 

My XXXX and XXXX payments have shown up as " eligible '' payments for loan forgiveness. My XXXX payment is showing up as " ineligible '' for loan forgiveness. 

XXXX is my XXXX ( or last ) payment to be made for loan forgiveness. The fact that Mohela is showing my XXXX payment as ineligible is hindering my qualification for loan forgiveness. I submitted my XXXX paperwork with them on XX/XX/XXXX to update my payment counts and to reflect that I have met my end of the deal. I have worked for 10 years in public service. I have done my work. 

Mohela is passing the blame to the department of education and says that it is not on them to change the payment to " eligible. '' They say they can not expedite the process. They say that the process will be done by XX/XX/XXXX, but they can not tell me when I might be processed in that timeline. It could be tomorrow, it could be XX/XX/XXXX. This rationale makes literally no sense considering that XXXX and XXXX are marked as eligible. 

What they are telling me is that it takes them up to 60 business days to certify a form for loan forgiveness and that I can now resubmit my form for qualification. They do not acknowledge that this will affect the money the money that I should be refunded because XXXX will qualify for loan forgiveness. 

So ultimately they give me these choices. Bearing in mind that I have qualified for loan forgiveness at this point, I have worked for 10 years in public service. I can : A. Wait on them to process the form I submitted on XX/XX/XXXX and reject it as saying I have 119 payments. Even though XXXX qualifies and they acknowledge XXXX qualifies. 
B. I can resubmit my form now, having made a payment for XXXX and XXXX. Restarting my timeline for loan forgiveness while continuing to pay them ( since they won't pause payments until either you wait over an hour to speak to them or they process the form ). 
C. I can cross my fingers and hope that they decide my XXXX payment is eligible before they process my payment certification ( ECF ) form. 

None of these are fair to me. I have done my end of this bargain. XXXX qualified and my payments should reflect it as qualified. To make me continue to pay for my loans is absurd, to make me jump through these hoops is also absurd. This is unconscionable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaza Home Mortgage just caused my credit score to drop over 60 points again in one day by reporting false late payments to the credit bureaus when they are aware of the legal agreement that I have to not have reported me late while I was under forbearance. This company made a legal agreement with me to not report me late to the credit bureaus while I was under forbearance. Not only did this company falsely report me late to the credit bureaus while I was under forbearance despite our legal agreement to report me they keep changing the dates that they report me late causing my credit score to keep dropping 60 to 100 points every time that I raise my credit score. Under the Cares Act by law this company is not to report homeowners late while under a forbearance agreement, however, they continue to break the law. I have tried multiple times to resolve this matter and they have ignored my requests and instead keeping moving around the dates that they are reporting me late when they are aware of our legal agreement to not have reported me late while I was under forbearance.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Mortgage

XXXX case number I got a phone call from chases rep I tried to call them back a few times cant get them to call me back left my number but it is like all the rest you cant get chase to do what they say
Product: Student loan

I have a private student loan with AES. 
The original lender was XXXX XXXX XXXX. 
The original loan amount was for {$16000.00}. 
My balance with a few deferments here and there is now {$24000.00}! I make my payments every month and they keep increasing my balance. They harass me and tell me that I am late on a payment when I am not. 
They are reporting a double balance on my dad 's credit as the cosigner. The way they are amortizing the interest has to be criminal. I was attending XXXX XXXX XXXX XXXX college at the time I took out the loan.
Product: Debt collection

Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, 2022 Balance : {$200.00}. Please update ASAP.
Product: Credit card

Someone is using my maiden name with my social security number to open credit cards and lines of credit. I am very upset because I have worked so hard to get my credit score where its at, do not want my finances to be ruined by someone who is stealing my identity. 

I have placed a freeze on all credit bureaus to avoid any further damage.
Product: Student loan

I took out parent Plus loans for my children. A total of XXXX With the first disbursement of XXXX XX/XX/XXXX and the last disbursement of XXXX on XX/XX/XXXX. I have made repeated attempts over the last several years at getting an income driven payment plan but each and every time I speak to the loan servicing company they tell me one thing then the next thing I know they are capitalizing interest to the tune of XXXX over the last three years. I did not agree to this, I did not ask for a forbearance or deferment. I am only willing to payback the principal I took out of XXXX. I will not pay any more. I have a feeling these loan servicing agents are getting compensated by causing my loan balance to increase instead of helping me make an affordable payment plan to reduce my principal. I know the Department of Justice is aware of Navients unscrupulous practices and I refuse to be another one of their victims! I am more than willing to refinance the original loan principal amount with a respectable financial service company.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

| 15 USC 1681 Section 604 A Section 2 : It also states consumer rep furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
waXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX works. I d gov so
Product: Mortgage

Working with Wells Fargo ( WF ) to close on a property, they informed me that I had an open application with another lender for pre-approval that they needed documentation validating I canceled it. They also let me know that I had a loan request out on my current residence that my parents rent that they need additional documentation on. I informed them that this was incorrect and that I do not have an application open with another lender, nor did I have a loan request out on my current residence. I provided an email response from the lender I shopped around with stating no loan exists under my name with them and that any and all loans were canceled. Wells Fargo stated that was not sufficient for their needs. I asked WF to provide me what exactly they need from the other lender to satisfy their needs. Wells Fargo could not provide me an answer to that question. When I asked WF can you provide me your policy or written procedure on how their underwriting approves loans the response I received was " We do not have a policy or written procedures regarding what is needed for underwriting to approve the requests needed to approve your loan ''. I then called the other lender to help me address WFs request they provided me a letter that included there letterhead from the lenders company email stating the following " The above-referenced client withdrew his application with us per his request. That being said he was not denied so no denial letter was sent to client since he was not declined. So please use this letter to ensure that no loan was made with ( Removed my full name ) and XXXX XXXX. '' WF stated this was not sufficient and did not nor would provide me examples of what they needed in writing to address their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the XXXX amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Product: Debt collection

i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods
Product: Credit reporting, credit repair services, or other personal consumer reports

Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}
Product: Credit reporting or other personal consumer reports

I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy.

I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.
Product: Credit reporting or other personal consumer reports

The ACCOUNT ABUSE REPORTED BY XXXX XXXX  ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. XXXX XXXX  ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL XXXX XXXX  LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME
Product: Checking or savings account

TD Bank decided to close accounts for my business. Date of letter is XX/XX/XXXX and account is set to close on XX/XX/2024.
Product: Debt collection

Debts are in a current Chapter XXXX. According to court documents, almost all of our credit card accounts were sold to Portfolio Recovery Associates ( " PRA '' ) .We are in our XXXX yr of Chapter XXXX, and all of sudden we are getting phone calls to our home and to cell phones from them. We do not answer them, but are able to locate the numbers as PRA or associates of PRA. I have sent them an email with our Chapter XXXX account number requesting they stop calling, but asking for an answer to my email, so that I know it was received. Have heard nothing so far. I do believe they are in violation of the stay granted by Chapter XXXX and are also in violation of FDCPA by calling my cell phone. They also need to research their bundles of debt they buy to see how many are in Chapter XXXX.
Product: Credit reporting or other personal consumer reports

This is an ongoing dispute about a late payment notation that appears in my credit report. The information reported is inaccurate and does not reflect my payment history correctly. The specific account in question is : Account Name : XXXX XXXX  Account Number : XXXX... 
Date of Late Payment : XX/XX/year> Under 15 U.S. Code 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Vehicle loan or lease

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of paid U.S. Postal Money orders which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order numbers XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$16000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to EXETER FINANCE on XX/XX/2023 and XX/XX/2023. They accepted one of my instruments ( ending in XXXX ), but did not credit my account correctly. I did call on XX/XX/2023 at XXXX p.m. and spoke with XXXX and XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. 
Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.