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

I am filing the complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
Product: Checking or savings account

i made a stop payment on a account threw my online wells fargo account i aslso filed some disputes online, soon after i claimed a stop payment i recieved a call from the dispute center saying she is suspending my debit card for 12 months, i was frustrated but asked to send me a new debit card since they think mine has been comprimised they refused to not only did they refuse but they also suspended my savings card for 12 months also and all my savings card was used for was saving money or cash allowance from a atm, so i opened a new account with a new debit card, was told even when i recieve my new card it will be suspeded also, this is so comunist and probably breaking the law i need this resolved either re instate my card or send me a new one without suspension
Product: Student loan

Enrolled in the Public Service Loan Program and submitted an employment variation for the XXXX school year through XX/XX/XXXX. Has only 7-8 qualifying payments to reach 120 total eligible payments to have some of my loans forgiven/discharged under PSLF. However, MOHELA is not counting employment from XXXX of XXXX nor are they counting XXXX of XXXX toward qualifying payments with my last employment certification form, despite making payments since payments resumed after the COVID forbearance by the U.S. Department of Education, which means that MOHELA is stating that I only have 119 qualifying payments for PSLF instead of 120 due to not counting qualifying payments from XXXX of XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like transunion, XXXX and XXXX  to remove XXXX info off of my reports
Product: Debt collection

Company : NCR ( XXXX XXXX XXXX ) After recieving several calls and voicemails, my sister told me to call this company back. They told her that I owed a debt and they would be pressing charges on me. When I called, they told me I had to pay that day or else they would be pressing charges against me. I was more worried about the warrant and court fees at the moment so I authorized the payment. After doing much research, Ive discovered that this a popular scam and I am deeply saddened. I only have {$270.00} to my name and gave them {$200.00}. As I thought, that payday loan was indeed paid off and I did not need to make any further payments. This payment was made on XX/XX/18.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft in XX/XX/2023. I reported the fraudulent activity to the credit card company and bank involved ( XXXX XXXX  ). They closed the account and reported the activity as fraud. I would like the activity removed from my credit score from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from XXXX XXXX. I have never had a XXXX  XXXX flexible spending account as stated on the report. I called XXXX XXXX XXXX. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at XXXX XXXX  were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called equifax and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from equifax stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called XXXX  XXXX, they could not locate an account number with the last 4 digits XXXX. So, how was equifax able to do so. Equifax fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. XXXX XXXX was never able to locate any account when I contacted them directly. I am stuck with no answers from XXXX XXXX or from equifax. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or equifax has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.
Product: Debt collection

I was contacted by Fairway Capital to attempt to collect a bill I believe I do not owe. I had a procedure in an outpatient office last year and they made me pay cash up front, over {$1200.00} and a year later they started billing me a little over {$100.00} with no explanation. I do not believe I owe this amount and Fairway Capital who keeps calling me was notified about this dispute and continues to Harass me constantly. I explain several times about the situation and told them I am refusing to pay so they are wasting my time and continue to Harass me.
Product: Credit card or prepaid card

I purchased airline tickets in XX/XX/2020 but was

n't able to travel due to COVID. Despite contacting XXXX  XXXX  several times via phone, website, and email, I was not able to get my matter resolved. I also tried submitting for
a credit several times since XXXX but the website kept stating my reservation numbers were not valid.

I did receive an email from XXXX XXXX  which stated if I was unable to travel due to documented issues, I would receive a refund. Despite providing doctors and lawyers documentation, employer statements, and expiring visa documents, I did not get a respond from XXXX. In total, I contacted XXXX  16 times via website, phone, and email but was not able to get my matter resolved. 

I submitted a dispute for the charge to Chase british airways credit card in XX/XX/2020. The reps at Chase asked me to provide evidence of the phone calls, email communication with dates, as well as doctors and lawyers documentation, employer statements, and expiring visa documents that I submitted to XXXX. I mailed a packet of all the information with a tracking number, including specific dates. I confirmed the mailing address 3 times. 

I called Chase to confirm receipt of my documentation ; the rep stated they had not receive it. I provided the tracking number which confirmed that the package was delivered. The representative at Chase asked me to fax the packet instead. Again, I faxed the packet twice with a confirmation. After following up days later, the next two at Chase stated they had not received the faxes either.

After my fifth or sixth call to Chase, the representative transferred me to a manager who kept counting the time that she was on the phone with  me ( 12 minutes, 13.5 minutes ), was not willing to acknowledge the communication I had with her previous coworkers between XXXX and XXXX, and stated it was not Chase 's responsibility to uphold the dispute. 

She stated she was giving me {$100.00} to as a courtesy since she had spent 13 minutes with me.

After being a Chase customer for the past 20 years, I am extremely disappointed at their service and am frustrated that all the Chase representatives had asked me to provide documentation to suppo
rt my dispute. After taking a significant amount of time and effort to gather all the information and send it, my dispute was dismissed without any investigation.
Product: Prepaid card

I bought a Vanilla Gift card at a XXXX XXXX XXXX. I put {$400.00} on it on XX/XX/XXXX to purchase XXXX XXXX  After a few purchases they closed my card and said there was fraudulent activity and said they would send me another card in 2-3 days. The new card never came. I called back again and they said they would resend another one in another 2-3 days, then they said they couldn't. I said fine please give me my money back. They said it would take 2-3 weeks to be refunded. Its been over 3 weeks yet. Called again and said it will be another 7 -10 days. I just want my money back. I am very disappointed and feel robbed. I will never buy another one of these cards ever again!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX someone transferred {$950.00} to a XXXX  XXXX. Unauthorized from my account. I addressed it with Chime on the XXXX when I woke up. They are dragging their feet and I have bills to pay.
Product: Credit reporting or other personal consumer reports

I see some information here and I ask you to please investigate what is hurting my credit report. Thank you
Product: Mortgage

We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.
Product: Credit card or prepaid card

It happened again, this time, for the first time ever, I received a statement in the mail saying I owed them {$110.00}! After I have paid them {$69.00}. 

They are exploitive and frauds. 

No routine credit card purchases has ever been made and this must involve fees of some sort.
Product: Debt collection

XXXX XXXX XXXX Oak Springs Capital, LLC called my work number ( provided above ). This is a violation as I did not give them permission. I am dealing with identity theft and do not k own what debt they are trying to collect. 

Thank you for any assistance with this matter. 

XXXX XXXX
Product: Debt collection

This collection company is trying to collect a debt from 2010. They call at XXXX XXXX and several times during the week.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$36000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

Please remove the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedResident VerifyDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/Resident DataDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedJPMCB CARDDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX
Product: Debt collection

Wells Fargo has my credit worse ( 34 ) late payments how did you do this. for years I have been trying for Wells Fargo to remove {$83.00} off of my credit report this was fraudulent Ive lost my eyesight and I became XXXX I was XXXX I had three XXXX XXXX my credit cards home was invaded and stolen from my home while nurses were taking care of me they use my credit cards fortunately that Wells Fargo was put on notice with a police report my home insurance report my attorney would you refuse to answer my attorney you are stating to give you information of the attorney but why would you ask now what it was on your records and you fail To respond to the attorney and Mr. XXXX from your company took information from me and Still in an affidavit indicating all which was stolen merchandise if the police report states that my credit card was fraudulently used and you were issued a police report this is unfair by your company and you To destroy my credit like this 30 for late payments you put on my credit report Im asking for the credit beer is this fair could this company do this to me. 

And indicated back to all of those reports on the fraudulent accounts please investigate the account that you set to XXXX XXXX XXXX XXXX, XXXX XXXX Please there are numerous accounts going to from my second home going to this address with notes indicated that you deposit thousands of dollars in my account that I have loss doing this fraudulent activities with your company this is horrible how you are messing up my credit for {$83.00} I am XXXX Im having a hard time and you are destroying my credit so facetiously again Again remove the 34 late payments and {$83.00} charge off you are destroying my history in my life : So is it 34 times late Or a charge ofF you destroying my credit you are destroying my credit 34 times late ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried Several times to Dispute inaccurate information with Transunion which Transunion doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Transunion To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics
Product: Student loan

Student loans from multiple college consolidated into Sallie Mae loan which was supposed to be forgiven after XXXX year of being XXXX XXXX but instead they're still trying to collect & I've now been XXXX since XX/XX/2000. My doctors have repeatedly filled out their forms but nothing is done about it. My student loans of {$300.00} are now with interest! XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX / XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Repossessions {$3900.00}