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

I opened a credit builder loan with XXXX XXXX Bank in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. XXXX does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that XXXX had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be zero. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. XXXX had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet XXXX continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following personal information to be in error
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to XXXX, EXPerian and XXXX : Police Report, FTC Complaint file and number, Notatrized FTC affidavit form, FTC Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, 2 forms of identity, proof of address and a Copy of the FCRA Section 605B! 

I have submitted documents to Experian. here is the tracking number XXXX I have submitted Documents to XXXX. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Experian Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. TransUnion, XXXX, and XXXX is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove XXXX Account system from report. Under the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling
Product: Debt collection

I got letter from Hayt , Hayt & Landau , P.L . ( Debt collector ) stating that I had a XXXX XXXX XXXX XXXX account from XXXX XXXX XXXX  account ending in XXXX. As of XX/XX/2020, it states that I owe {$9400.00}. I have asked for details on this account as I am not familiar with ever doing anything with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complain is for Wells Fargo and for several reasons they have a lot of law suit in past years. And apparently I am one of the victims of their fraud. I tried to fix issues with the banking people but was not able to their promise to take care of things and provide me the compensation but on some cases they have not been taking care of issues and instead just have said that we cant do anything. 
Clearly that have done something wrong but they dont want to accept it. Hopefully someone read this complaint and file another lawsuit to make them understand what they did wrong.
Product: Credit reporting or other personal consumer reports

Please see all the attached documents. Do not close this complaint stating it is not me. I am a natural person and consumer.
Product: Credit card or prepaid card

My name is XXXX XXXX and me and my wife are regular XXXX customers. My wifes credit is currently trapped in limbo. She made a payment on XX/XX/XXXX today is XX/XX/XXXX, we either want our money refunded or our credit to be reflected on our account accordingly. 13 days is plenty of time for credit to be reflected and a payment processed. This is completely unacceptable.
Product: Student loan

I have spoken to Mohela staff and their " Advance Representative '' concerning my place of employment not being approved since XX/XX/XXXX. My account shows only 22 PSLF payments need to be qualified for forgiveness and MOHELA has yet to qualify 24 from XX/XX/XXXX to XX/XX/XXXX. As of today, they still have my PSLF in processing mode on XX/XX/XXXX, when Student Aid has already sent me a receipt of employment certification on XXXX because they received verification from my employer- confirming my employment from XX/XX/XXXX to present. Due to Mohela delay with making the necessary changes I had to file the IDR ( SAVE ) application and request a lower payment due to my MFJ status, increase in family size and decrease in income from my spouse. My spouse is still unemployed due to COVID 19. 

In XXXX of XXXX, Mohela placed me and my spouse accounts on " Administrative Forbearance with assurance of our IDR and PSLF information being updated and recalculated, as we questioned the possibility of our loans also being completely forgiving. While my account is now in forbearance, I finally received a bill statement in XXXX with a lower payment- but my 24 PSLF payments are still NOT qualified- although I only show 22 payments left for PSLF. 

What's alarming to me is for Mohela to accept my IDR application and lower my monthly payments, but not qualify my additional 24 PSLF payments towards complete forgiveness. What's more frustrating and corrupt is for Mohela to lower my payments according to the current balance and not recalculate my balance to reflect the 24 qualifying payments which will decrease my monthly payment substantially, should Mohela deem my account will not be completely forgiving at this time P.S-I am also not understanding why my spouse IDR application still hasn't been approved when we made the request on the phone together, gave the same required household and income information, with the same representative on the same day and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting

I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
Product: Student loan

Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on XXXX and XXXX   and not Equifax. On XXXX XXXX it's showing on Equifax and not XXXX ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my Equifax report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that XXXX, Equifqx, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, Equifax, and XXXX should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, XXXX and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.
Product: Debt collection

LVNV Funding LLC Date opened XX/XX/year> {$640.00} I am writing to file a complaint regarding LVNV Funding. I did not authorize LVNV Funding to have my personal information from a second party creditor. I believe this is a violation of my rights as a consumer, and I request that this matter be investigated promptly.
Product: Checking or savings account

Wells Fargo theft and ongoing criminal activity : ATM {$600.00} fraud theft by Wells Fargo ATM ( XXXX ) XXXX attached to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Manager XXXX XXXX informed in person XX/XX/23 XXXX {$700.00} inserted into ATM around XXXX XXXX XXXXXX/XX/23. {$600.00} accepted via screen and {$100.00} bill returned. When I attempted to resubmit {$100.00} bill, the door jammed and after some time screen changed to Jam Error. It asked me to reconfirm the amount I had submitted, so I confirmed the {$600.00} the machine had already confirmed. The ATM forgot the {$600.00} it had accepted, reported a {$.00} deposit placeholder transaction would be investigated and to contact support for more details. There was no option to request the entire deposit back which would have prevented my claim of fraud/theft ( as per prior ATM model behaved ). The machine was still networked and re-active the next morning which is another major problem. 

XX/XX/23 Claim XXXX {$590.00} owed Theft by ATM due to unacceptable design flaw. XX/XX/23 Atm Machine placed back in service with design flaw still in place for additional consumer theft. Wells Fargo organization lack of action to fix design flaw and keep such units in service is criminal and possibly nationwide ( wherever these ATM machines are in service ). 

Filed via Wells Fargo procedures prior to filing police and regulatory complaints and alerts. XX/XX/23 Complaint Case number XXXX, XX/XX/23 complaint id XXXX havent been assigned a case worker. Spoke with XXXX who couldnt even see the complaints yet in his system which is another problem. Quoted investigation may take up to 10 days, someone may be in contact with you via phone, text or email ( no timeframe specified ), we arent responsible for machine flaw, theft/fraud, we dont know why machine is back up already. This has happened to other consumers and should not be possible in ATM design and operation. I also pointed out the ATM is networked, so 10 days is out of alignment in banking for company to accept funds ( via machine confirmation ), but account not credited ( even provisionally during a too long investigation period ). Also, I know someone personally who works in banking, who had to fight Wells Fargo for a month to convince Well Fargo to reimburse. Also found online similar theft not reimbursed. 

Requested to receive copies of the claim and 2 complaints were not provided which is another signal Well Fargo does not want written details on operational problems. I requested alternative escalation and documentation options, none available. Wells Fargo website previous had email and/or web page complaint / feedback submission, but that has been removed ( pic attached ). I chose to document via XXXX as that is the only way I have been able to submit in writing and get a response ( which I see as intentional ). 

Pending Complaints - Office Comptroller, Local Police Report, Georgia Dept Banking XXXX, https : //www.consumerfinance.gov/complaint/, FTC, GA Dept Banking & Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90 - 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Product: Mortgage

Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.
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 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.

15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened my Chase checking account and saving account on XXXX. According to their annoucement, I should have received {$900.00} promotional bouns from these open accounts ( {$300.00} XXXX {$200.00} XXXX {$400.00} extra ) as long as I complete the mission. 

The problem is, I only received {$300.00} XXXX account bouns from Chase. I have deposit {$15000.00} within 30 days of opening for 3 months and provide them with the coupon code, but they refused to accept that and refused to offer me the saving bouns and extra bonus ( {$200.00} saving+ {$400.00} extra ) because they insisted that I should ask for the bonus within 21 days of opening account, which was not mentioned at all when I opened the account. I was not notified by any bankers, official advertisements or from anywhere else, and Chase customer service didn't give any explanation for this, and even neglected my inquiry for weeks since XX/XX/XXXX. I would consider this is an advertising fraud and financial improperties! 

I should not take responsibility for this and I feel totally cheated. I am definitely qualified and deserved the bouns back from the bank.