23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I am enrolled with Aidvantage student loan services. I enrolled in autopay starting in XX/XX/year>. Since that time, I have been making payments on my account. At some point my balance increased on my loans from around $ XXXX to $ XXXX. I contacted Aidvantage and they relayed to me that anytime I am placed in forbearance I get automatically dis-enrolled from autopay. They also automatically enroll me into forbearance, this is not a choice I have. Due to FEMA/government auto enrolling me into forbearance for a disaster in my area ( no major disasters that I am aware of around XXXX Michigan ) , my payment was {$0.00} but apparently I continued to accrue interest on my loans. When I reached out to Aidvantage, they stated they could not do anything. They also stated there is no option for me to manage my own forbearance. Instead I can get auto-enrolled, and if this occurs I have to reach out to them and dis-enroll. Regardless of the future, I find it unreasonable that I did not sign up for forbearance, was automatically enrolled, accrued interest on my loans when I could have continued making payments ( which I thought i was due to autopay not realizing forbearance removes autopay ), and now have overall higher balance. Seems like a system that cheats the loan borrower. If FEMA automatically enrolls loan borrower into forbearance, it should be an administrative forbearance where interest does not accrue.
Product: Checking or savings account

I received an email on XX/XX/XXXX that advised my account was in a negative balance on XXXX  It advised that I had Extra Day Grace Period. With Extra Day Grace Period, you can avoid overdraft fees if your available balance is positive as of XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. After your grace period ends, if your available balance isn't positive, a {$35.00} fee may be charged for each overdraft up to a maximum of three fees. I made a transfer of {$60.00} to cover the negative balance as of XXXX that day. Some time after XXXX, the time Wells Fargo provided me, another transaction appeared as pending on the XXXX. This was after the time frame provided. I ensured my balance was positive on the XXXX. My ending balance on the XXXX was positive, including the fee they assessed. I find this to be deceptive and I reported it to Wells Fargo. I have been met with non helpful employees who have refused to escalate my complaint. They have refused to provide their first and last names, as well as, managers name. I have repeatedly asked to speak with manager and refused. I called XX/XX/XXXX and was hung up on, received no call back. They are asking for a case number and Wells Fargo never sent me a case number via their secured messaging through online banking. On XX/XX/XXXX, I made a transfer to cover the negative balance, my account was positive until sometime after XXXX on the XXXX. I woke up the morning of the XXXX and saw that another recurring transaction was pending. It was not pending or deducted from my available balance on the XXXX and did not come out and show pending until the XXXX. I was charged an overdraft fee of {$35.00}. But, according to Wells Fargo, as long as my balance was positive before XXXX on XXXX I would not receive a fee. Since Wells Fargo has ability to view my online sessions, they can provide proof that I looked at my account on the XXXX before and after XXXX  and it was positive. I have asked to speak to their legal, regulatory and ethical department and was refused. The only name I have is XXXX. When I saw another recurring charge was pending on the morning of theXXXX, I immediately made a transfer to cover any negative balance because the night before I made a transfer to cover the negative balance before XXXX to ensure my account was positive by XXXX.
Product: Mortgage

The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis and XXXX this dispute/ complaint is directed to both of you mainly Lexisnexis . You are the one that run to these courthouse snooping around to see what you can find to report on people. The reason I know this because each reporting agencies XXXX XXXX XXXX tells me so. Because each one states that you claim you verified the dispute. It is listed on each of the reporting agencies! Since you are running back claiming you verified the inaccuracies and violations of the FCRA. I have a few question and request XXXX ) review XXXX credit report that is attached to this dispute could you please tell me why was the public record XXXX deleted from the credit file? I have asked XXXX 22 time as to why! All they can tell me is that Lexisnexis verified alright since you verified Im asking you why did the United States bankruptcy court of Minnesota asked to re-insert the public record back to XXXX credit report?? They would have been the only one that had the public record re-inserted! Due to the fact that is where the bankruptcy was filed! So since XXXX tells me you verified the information in question. Since you verified and XXXX tells me that you did. I Exercise my rights under FCRA 609a ( 2 ) to request and for you to tell me and provide me with the following information Why was this public record Re-inserted back to the credit file? 
Who told you to add this back to the credit report I need the name of whom you spoke with name phone number! On there company letter head! 

XXXX is an electronic public access service for United States federal court documents. It allows users to obtain case and docket information from the data base but XXXX wouldnt not and Is not equipped with removing and adding bankruptcies to a consumer credit file so we know XXXX didnt have anything to do with added or removing anything from XXXX credit file! Again if you try to even come back trying to say XXXX  did this I again exercise my right under FCRA 609A ( 2 ) for you to provide me information from XXXX  and the name and phone number of a representative from XXXX  that states that XXXX  does remove and add public records to a consumer credit report! LEXIS-NEXIS you are the data furnisher again you have people running in and out of courthouses viewing XXXX  system which is third-party vendor like yourself. And nobody but your Organization re-added the public record back to the report!

2. You failed to notify me within 5 business day of the Reinsertion which puts you in violation of the FCRA i asked that you remove the public record that indicated it was delete it and re-add it nobody did it but you! 
All XXXX can tell me is Lexisnexis verified my dispute as to why was it re-added now Im asking you for factual proof as what and how did you verify it! The XXXX report is uploaded which shows that you verified it!!!! I will be waiting your response! And I thank you!! 

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

Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

between XX/XX/XXXX till XX/XX/XXXX wells fargo fed the credit reporting agencies false information about my actual credit status
Product: Credit reporting

I had been laid off from my job back in XXXX of 2015. 
I always paid my credit cards on time. However due to the lack of income I would wait until the last possible day I could before " being late '' to make each payment. None of my cards were ever paid 30 days or later. The creditors have refused to have this information removed. 
Here is the creditor info along with the months showing late -Justice ( XXXX, XXXX, XXXX, XXXX ) XXXX -XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) -XXXX ( XXXX ) -XXXX ( XXXX, XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX ) -XXXX ( XXXX ) XXXX -XXXX ( XXXX, XXXX, XXXX, XXXX ) -XXXX ( XXXX XXXX XXXX -Mid XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX ) -XXXX ( XXXX, XXXX, XXXX ) You should not be marked with a 30 day late by paying after the due date. You are ONLY 30 days late WHEN you are paying after 30 days.
Product: Checking or savings account

Received a notification at XXXX XXXX, for a {$82.00} charge from a XXXX 3 states away. I called Credit Karma at XXXX, and they only told me they could not stop payment and just wait until it was not pending. Nothing else was done.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit card or prepaid card

I recieved a letter in the mail today in regards to my XXXX XXXX credit card account stating that my account was closed due to missing two payments. I called immediately spoke to a customer service agent and advised that I have not recieved any notification of thw account being late ... assuming it would come in the mail. I was then advised that an email address was changed online to an email that is NOT my email address. Then she prceeded to go on to advise me the account owner that i agreed to the terms recieving all communications at the time of email enrollment ... .which by the way i was never notified of any change to my contact information. The CSR advised that all communication regarding the now two missed payments were sent to the email address on file. I preceded to validate my email address by asking me what my email address is which by the way i have had long before i had the account and i have had this account in good standing for over 10 years. I told her what it was and she tell her that it did not match what was on file. I was advised that XXXX email address was invalid and not authorized by me the account owner. She stated there was nothing she could do and that the late payments and credit reporting are valid. Remember that i only recieved correspondence through the US Mail as a result of the account closure and nothing in regards to the change in contact information or that i was late because it all went to this fraudulently set up email address. I was then told nothing could be done. I preceded to escalate to the next two level of management. Both of those two managers also said the same thing. They didnt say anything or could do anything because of the fraidulent email address provided authorized all communications to be sent electronically and that i should have know to call them when it was noticed the.email was incorrect. I advised them that i am notifying them on the same call that i was notified about the invailed email and only time I have called about this issue and advised everyone that i spoke with stating that there is nothing they can do regarding the now almost 60 day past due account or reopen it. The last manager I spoke with did waive the two late fees and were credited to the account as a result of my frustration and as a one time courtesy ... nothing stated as a reason for the credit in regards to the incorrect email address on my account. He also removed the invalid email and stopped all future electronic communications. I asked if.there was a CEO or presidents email or address to write a letter and was advised that i.needed to.send a letter to the general correspondence address to address my concerns and to file a dispute with the credit reporting agencies that i dispute the delinquency reporting and have.them update the account. All because i was never notified that all my account information was sent to an email address that I did not add to my account.
Product: Mortgage

I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. 

At wits end!!! 
XXXX XXXX
Product: Debt collection

On XX/XX/year>, at XXXX XXXX  EST, I received a phone call from ( XXXX ) XXXX. The caller ID indicated that the call was from XXXX XXXX XXXX, but no voicemail was left. I had a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, which was closed on XX/XX/year>, yet I continue to make payments. Concerned that my information might have been compromised through a data breach or an identity theft attempt, I reached out to XXXX XXXX XXXX using the number on my card. After speaking with several representatives, I was informed that the call did not originate from XXXX XXXX XXXX. Unfortunately, since my account was closed, they stated they could not take action to prevent further calls, which I found quite distressing. 

In an effort to identify the caller, I dialed ( XXXX ) XXXX and received an automated message that said, " Thank you for calling Client Services , Inc. '' Further investigation revealed that Client Services , Inc. is a debt collection agency. It seems they intentionally falsified the caller ID to represent themselves as XXXX XXXX XXXX so that it would appear the call was coming someone I already knew or trust. However, I have no record of receiving a validation notice from Client Services , Inc. regarding an attempt to collect an alleged debt for XXXX XXXX XXXX. Additionally, I have not received any communication from XXXX XXXX XXXX indicating that my closed account has been charged off for collection through Client Services , Inc . Since the closure of my account on XX/XX/year>, I have been making payments directly to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( XXXX ) XXXX  XXXX {$5100.00} / ( XXXX ) XX/XX/2023 with XXXX
Product: Checking or savings account

I tried to get my yearly free report from Experian earlier this year and their site forced me to pay to get it. Now, they have been charging me XXXX per month for a monitoring service I am not even using. 

I tried fixing it online with no luck, and they do their best to make their phone system as complicated as possible. For all of the money that flows through their company, they should be able to fix their problems. Also, I can cancel my card, but then I have to change my auto deductions on all of my accounts. Experian, pay me back and stop fleecing the little guys.
Product: Debt collection

There is an account listed which I have disputed with no response back and it is not mine. Please help
Product: Credit reporting or other personal consumer reports

I have dispute this debt several time keeps coming back verified but the credit reporting agency can not provide how. Also the company is actively reporting and have yet to send me a response on my original wet ink signature of the application. I do not owe Capital one and do not have it. I want this resolved immediately. Deleting the false information reporting on my credit report so I can move on with my life. This has cause me damages such as adverse actions denials for a vehicle and loans to help myself and family. Capital one sold debt to a debt collecting company and refuses to give me any information on this account.
Product: Debt collection

Amerifinancial called me about a {$40.00} debt less than a week ago. They said it was for a doctors visit. I called the doctors office billing department, spoke to a man who reviewed the date of charges, and the doctors billing contact agreed i should not owe for that visit for blood results and it was billed incorrectly. He told me he was going to look into it, and will hold off on having it reported to my credit ( i specifically asked him to please review it ASAP so it doesnt go on my credit ) and he told me " not to worry about it, it wont go on your credit report ''. Well, Amerifinancial reported it to my credit on XX/XX/XXXX, not even a week later. I called them today and told them it isnt even confirmed as being owed yet... and that the doctors office billing representative informed me that he was looking into it and putting it on hold. The guy on the phone got agitated and started raising his voice at me after i explained to him that this is not even a confirmed debt and i am entitled to at least 30 days to confirm this / work this out with the doctors office. He also tried to make up every excuse in the book as to why they are allowed to destroy my credit on an unconfirmed debt. I am also in texas, which is a one party consent state. I told him at the very beginning of the conversation that i record all of my calls because of bad behavior by other debt collectors in the past. He got really upset and said he doesnt consent to being recorded, and then hung up on me. I called them back and the next representative hung up on me. This debt is not even verified yet and they are reporting it to my credit. I said up front, if i owe it, i will pay it. The first time they contacted me by phone was last week. They claim to have sent out a letter without tracking or verification, but i never received anything. The account is from XXXX, but i was just made aware of it less than a week ago. The doctors office isnt even done looking into it.
Product: Credit reporting or other personal consumer reports

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
Inquiry company : Wells Fargo Inquiry date : XXXX XXXX and XXXX XXXX Inquiry company : XXXX XXXX XXXX ( Auto ) inquiry date : XXXX XXXX Inquiry company : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX Inquiry company : XXXX XXXX  consolidated inquiry date : XXXX XXXX