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

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified public record listed below is still presenting in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXX-Discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, 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. 

DEPT OF ED/NELNET : # XXXX, XXXX, XXXX & XXXX. Late payments reported on Credit Report for XXXX, XXXX and XXXX are not correct. No 30 or 60 days late being reported, however 90, 120 & 150 days are being reported after on time payments. 

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, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

We have contacted XXXX, XXXX, and experian to update our address and name. They have not updated any info from their bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found this fraudulent account on my credit report. I have no knowledge of this account being that I was incarcerated of the time of opening the account please remove this account from my credit.
Product: Debt collection

XXXX XXXX sold a claimed debt for renting a home to National Credit System .They sold a debt claiming l owed them $ XXXXNational Credit system put this said debt on my credit report without verification of the debt.This caused me to lose the house l was going to get because it messed up my credit.Then XXXX XXXX  send me send me a letter that l didnt owe them {$4900.00} dollars l owed them {$2100.00}. Those company has messed up my credit cause me not to get the house l wanted to purchase. They were notified 60 days in advance that l was leaving the apartment by mail and on their XXXX site, In which l have no access to.They sold this said debt on myself and mother XXXX XXXX with XXXX different amounts {$3700.00} to National Credit System.Then saying l don't owe $ XXXX don't owe them any money they are confused and have mess up my credit.l had to pay my lender to take that said debt off my credit report and my mother 's. They have made me lose my dream home and l don't owe them any money.
Product: Credit reporting or other personal consumer reports

In my last Dispute to the credit bureau Ive given a warning notice that bureaus are not in compliance with the law in truth in lending by reporting non public information like transaction history which is illegal via U.S. 1681a I have also sent opt out letters to creditors that are reporting negative information to Credit bureaus credit bureaus are in major danger of Fraud and bad business practices as that are allowing information I opted out from to be reported on my consumer report I have now even opted out of XXXX, experian, XXXX and XXXX for ever disclosing non public information and transaction history and will show proof of opt out below bureaus have one final chance to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

this account does not belong to me. this is a business account. this account belongs to a business
Product: Credit card or prepaid card

American Express Platinum card was locked from use after an unknown 3rd party that was not on my account, did not have access to my card, and who I have no knowledge of their existence, had an unpaid balance on THEIR DIFFERENT credit card. Again, a total stranger did not pay their bill so my unrelated AMEX Platinum was locked for ~3ish months. I paid {$690.00} for a 1 year membership and I was unable to use my card for 1/4th ( 25 % ) of that time. I have been calling and live-chatting since mid XXXX to get my card reactivated, my credit score fixed, my membership extended by the 3 months I was locked out, and my sign up bonus reinstated since I was wrongfully locked out of my account for the entire duration of the sign-up bonus. They continually tell me to wait 2-3 weeks then call back, as I have been doing for 6 months now with no resolution in sight. I would cancel my account but I would lose any chance to get my refund on the wasted, stolen membership. First Declined charge was on XX/XX/22 and no charges would process despite a {$0.00} balance and no notice of locking or anything until XX/XX/22. I've been in contact with them from XXXX with no resolution, just being told to wait.
Product: Checking or savings account

someone either got access to my account, my debit card, or a combination of the two. I disputed many transactions, most of which were refunded by the company, because they realize they were fraudulent. However, my bank then again had reversed transactions ; which were all fraudulent may have taken a little more time to re-search, and then again withdrew my money even though it was fraudulent activity on my card. 

I repeatedly asked them to escalate the transaction and reverse them They continuously say theyre doing that, and then nothing ever happens. 

I offered to make a police report and sign an affidavit. They said that wasnt necessary however, theyre still taking the money out of my account. 

can you please help rectify the situation theyre taking advantage of me I have other bank accounts, and I have no issues with this is the only one! 

Also remove any issues with any banking systems that were involved, because I definitely dont trust him at this point
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, Equifax, and XXXX XXXX back XXXX XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.
Product: Debt collection

On XXXX Great Lakes Educational Loan Services Inc. called my phone number XXXX from their phone number XXXX. When I answered the call there was a long pause and a click. They used an automatic dialing device/ an adts to call me in violation of the TCPA. When I asked if they were a debt collector, they refused to answer my question. When I asked if they were trying to collect a debt, they refused to answer my question. I am happy with my student loan provider and I do not want to change companies. I do not want any telemarketing / solicitation calls from them. They do not have my consent to call me in violation of the DNC laws.
Product: Credit card or prepaid card

Date XX/XX/XXXX, amount {$30.00}, 1 late payment reported on account by Wells Fargo, account has been opened since XX/XX/XXXX, and have asked for the one late payment to be removed and it is not removed yet.
Product: Vehicle loan or lease

I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/21, my loan account has been set up with an automatic payment of {$590.00}. An XXXX agent recently informed me that I'm almost {$1500.00} in arrears. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, IXXXX permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? 

As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is my XXXX statements that shows I paid the initial XXXX payment early on XX/XX/21. ( I wasnt sure of the exact amount so I rounded it off to {$590.00} ) Then paid XXXX shortly thereafter on XX/XX/21, in the exact amount of {$590.00}, still with ample enough money in account to cover the full amount. 

With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!
Product: Credit card or prepaid card

My XXXX Account was hacked internally where my phone was highjacked when my SIM card number was changed on XX/XX/XXXX ( did not know at the time ) and a new phone line was added to my account without my permission. I got XXXX fraud warnings XXXX from Wells Fargo on XX/XX/XXXX and XXXX from XXXX XXXX Bank on XX/XX/XXXX. I am the only authorized user and only have XXXX debit card with Wells Fargo. I immediately answered XXXX and in error accepted as non fraudulent ( it was XXXX am and there were a number of charges. Upon review I immediately read the charges again and noticed XXXX that was for GAS ( no amount ) and realized that this was not an auto pay. I tried to Iogin into my Wells account and could not get my SMS text after 3 tries. After I logged in with my email getting the authorization code and found the charges were for XXXX at a Gas station in Florida. That is when I logged into XXXX and noticed a different phone next to my tele number and a XXXX line added. I immediately notified the fraud unit of Wells Fargo XX/XX/XXXX at approx. XXXX and was given a Claim Number and was told to destroy my card and a new card will be issued XXXX Days. The XXXX charge from XXXX on my XXXX XXXX Bank I sent back as Fraudulent ( {$2300.00} ) which originated in FL also. I Notified XXXX of the fraud and they reinstalled the correct SIM on both of my numbers and deleted the XXXX fraudulently added line. Wells sends me letter XXXX that they have denied my claim due to fact that card was tapped? I have NEVER tapped a card in my life, asked them to check my account and asked them to send me a store video of me in FL. They stated to me ( A female named XXXX ) that you can not hack the chip and I must of given my card to someone?? I have since read about the XXXX XXXX that occurred XX/XX/XXXX ( was never notified ) and internet posts on how a fraud can occur with a tapped transaction. Wells is sending me the documents ( who knows which ones ) but it appears they will recharge my account for the fraudulent charges. What does a consumer do?
Product: Credit reporting

Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days.
Product: Checking or savings account

On XX/XX/XXXX someone did a telephone transfer without my knowledge. I received no text or call from Wells Fargo to see if this was a legit transfer. They ( Wells Fargo ) transfer money from one account to another account. I have XXXX accounts with Wells Fargo totaling at the time XXXX, XXXX. Wells Fargo only gave me back {$4000.00} on XX/XX/XXXX. They still owe {$670.00}. I had to file another claim to get my {$670.00} back which was filed on XX/XX/XXXX. As of today, XX/XX/XXXX I am still trying to get my money back. Wells Fargo representative XXXX which is in the escalation department has been telling me that they are still investigation on whether or not I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g
Product: Student loan

My complaint is against Fedloan Servicing, the company who has managed my student loans for over 20 years. I believe that I was eligible for the TEPSLF program yet denied repeatedly. I have been a full time XXXX XXXX XXXX for 22 years, and my student loans have never been delinquent. 

This is my second complaint regarding this matter. Fedloan Servicing responded after my first complaint, but has once again changed the requirements to qualify for the TEPSLF program. In addition to the following timeline, I have included emails as evidence of my claims. 

XX/XX/XXXX - I applied for PSLF XX/XX/XXXX - Fedloan Servicing notified me that I did not qualify for PSLF XX/XX/XXXX - I applied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied my application stating that I did not apply for PSLF ( not true ) XXXX XXXX - I resubmitted PSLF application XX/XX/XXXX - Denied again for PSLF ; Reapplied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied TEPSLF, stating that I did not have all 12 qualifying payments ( I think I was 2 short ) XX/XX/XXXX - Spoke to Fedloan representative who told me I should now DEFINITELY qualify for TEPSLF ; I applied for TEPSLF XX/XX/XXXX - I received an email from Fedloan Servicing stating that I did not qualify for TEPSLF due to not having 120 qualifying payments ( a major change from 12 qualifying payments ) XXXX XXXX - Submitted a complaint to CFPB ( # XXXX ), because Fedloans changed the qualifying terms. 

XXXX XXXX - Fedloan representative claimed they did not change the term of the loan, and that I did not qualify for other reasons they could not explain. This information was not consistent with the email they sent. I sent another request for TEPSLF XX/XX/XXXX - I received an email that once again I did not qualify for TEPSLF. This time, they went back to stating only 12 qualifying payments were needed, but they claimed my payments were not enough. The email states that my payments needed to be at least {$620.00}. I had been paying {$760.00} every month since XX/XX/XXXX. 

XX/XX/XXXX - I spoke with a supervisor at Fedloan Servicing regarding my qualifying payments and why I did not qualify for TEPSLF. She said 2 of my loans still did not qualify ( this made no sense to me ), but she assured me that I would qualify in XX/XX/XXXX. 

XX/XX/XXXX - Prepared to resubmit my request for TEPSLF but discovered Fedloans had once again changed the requirements from 12 to 120 qualifying payments. 

This process has been emotionally draining, time consuming, and upsetting. I have complied with Fedloan Serving and met their original requirements of the TEPSLF program only to be repeatedly denied. I believe this company is committing fraud and should be investigated.
Product: Checking or savings account

On XX/XX/23, I scheduled an transfer of {$2000.00} to be transferred to my personal credit union checking account on XX/XX/23 ( this was to cover payments, including a large payment to a credit card, to be made several days after the transfer was to occur ). I received an email notification 1 minute after scheduling the transfer confirming the transfer would happen on XXXX. 

This transfer never occurred ( I was entertaining out-of-country guests the month of XXXX ). Due to my company and workload, I did not discover this failure until I received a letter via USPS on XX/XX/23 from both my credit union that I had an NSF and the credit card company for whom a large payment was scheduled. I contacted Marcus immediately and have spoken with 6 representatives ( including 3 supervisors ) on XX/XX/23, XX/XX/23 and XX/XX/23. The first said they would " look into it '' and call back, which they did but said they " just didn't see the transfer ''. None of them would research the matter further OR thoroughly and just kept saying " they didn't see the transfer '' and " at least I still had access to the funds ''. See the attached letter to Goldman Sachs Bank dated XX/XX/23. 

I am very upset that not only could this have caused damage to my credit rating, but that they can not find ANY evidence that I scheduled the transfer in spite of the fact that I have a printed confirmation with the date and time I scheduled it ( and a very long confirmation number ) and the fact that I received an email confirmation within 1 minute of scheduling the transfer. 

I was told I could only write a letter ( which I have done ) to have fees reimbursed and mail it via USPS. They have no means of of emailing or uploading my confirmation and email. In addition, my letter requests a thorough investigation into this matter. 

I believe that Marcus by Goldman Sachs has something wrong in their system that cause a transfer not to go through. I feel certain I am NOT the only person to whom this has happened and I feel a full investigation needs to be launched to determine what happened and why the transfer did not take place ; as well as what happened in order to correct the matter. As a XXXX XXXX in the XXXX XXXX I am quite upset at the poor customer service and handling of this matter, ESPECIALLY in light of the fact that they can not locate a transfer THEY CONFIRMED VIA EMAIL!!!! 

I am also very concerned with the poor attitude of all 6 staff members and their 'inability ' to launch a more thorough investigation. This is an online savings account that they advertise the ability to make a {$100000.00} same-day transfer to external banks, yet they couldn't do it with over 3 weeks notice. 

I have filed a complaint with the Federal Reserve but was referred to the CFPB for further action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity was stolen through the deep/dark web ; my personal emails, my phone number, my private bank information, including passwords and usernames were used for the benefit of the theft individual.