23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Contact Transunion about a glitch that they had in XX/XX/XXXX they deleted my collections and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX but he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXXXX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX , ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXXHeres another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one iXXXX XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I really need help disputing these on my Credit reports I been wit my XXXX XXXX XXXX XXXXXXXX never step outside of Banking with other banks an taking out Loans..
Product: Credit card or prepaid card

I open an account with this CC back in XXXX and have been on time with my monthly payment till I closed my account in XXXX. I recently shopping for tires online and the website that I going to buy those tires offer finance and its the same CC but I was denied even if I have been on time paying my bills with the same CC company. This just prove that Credit history is really not important
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed back up a year later after paying balance for removal.
Product: Vehicle loan or lease

FINANCIAL 30potentially negative months {$8400.00} Closed Account info Account name MERCEDES BENZ FINANCIA Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Repossession. 
Status updated XX/XX/XXXX Balance {$8400.00} Balance updated XX/XX/XXXX Original balance {$32000.00} Monthly payment - Last Payment Date XX/XX/XXXX Terms 72 Months Responsibility Joint Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only This account was opened in my name fraudulently I did not authorize this. I would like this removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit card or prepaid card

I am trying to use the Cell Phone protection benefits on my cards. I have submitted the required form and all documents to the company ( Wells Fargo ) via email twice, and have not received any status updates despite continued efforts to contact them. I called them and was told they would be in touch with me but they never got back in touch with me. This has been ongoing for several weeks. The claim was initiated on XX/XX/2018 and I last heard from them on XXXX XX/XX/2018. The amount is {$600.00}, the maximum amount covered in this insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I wrote a good will letter to you all ( Capital One ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Product: Student loan

I have a loan through Navient ( formerly XXXX XXXX ) and it has become one payment behind. I understand that they need to try and collect their payment, but they call XXXX times a day, and at all times of the day ( from XXXX to XXXX pm central standard time ). The loan was for XXXX XXXX XXXX in XXXX MO. The number that appears when they call me is XXXX. They never leave a voicemail, and the only reason that I know who they are is because I had to google the phone number to find out who was harassing me.
Product: Checking or savings account

We found this XXXX. It is on mine and my mothers name. Neither one of us cashed it out. The original bank has changed hands several times. We would like to be able to cash it in but. I one we have talked to know how
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : NSTAR/COOPER Late Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this  happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

I was a Wells Fargo Bank customer from XXXX  until XXXX and had a Wells Fargo Checking Account, Wells Fargo Car Loans and a Wells Fargo Mortgage. I believe I was charged incorrect fees that should have not been applied. Additionally, I had numerous vehicle loans loans through the bank in that 10 year period and believe that some of the monthly payments were not applied correctly, resulting in higher fees and interest. Lastly, as a mortgage loan customer, I also believe that I was charged excessive late fees that shouldn't have been charged during the life of my mortgage loan. 

To date, I have not been contacted by Wells Fargo Bank either, regarding the bank 's breaking of federal consumer protection laws that apply to these financial products that I had for 10 years.
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. 

XXXX # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished 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 and 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 card

I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.
Product: Debt collection

I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.
Product: Student loan

MOHELA failed to provide XXXX  days notice with my billing statement for XX/XX/XXXX. I still paid {$600.00}. I was told in XX/XX/XXXX that I was entitled to a refund by XXXX XXXX XXXX. I immediately requested the refund. It has been XXXX  months and I still have not received the refund. Ive tried customer service weekly for months with a different answer every time. I even filed a complaint with XXXX XXXX XXXX. They emailed stating they directed MOHELA to issue a refund. Still no refund. I spent XXXX hours on hold today with no answers from MOHELA. I just want my refund of {$600.00} for XX/XX/XXXX payment that federal student aid says Im entitled to.
Product: Mortgage

I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full balance.
Product: Debt collection

I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.
Product: Student loan

I am dealing with Nelnet not properly handling my payments and costing me money in the process. Their customer service is virtually impossible to get a hold of, I've waited on hold for more than an hour and did not get through. I will describe the specifics of my problem below : My first debt payments were due on XX/XX/ and I set up auto-debit on XX/XX/. My total loan amount was {$80000.00}. I was slated to make a payment of ~ {$950.00}. Because Nelnet didn't process my payment, my loan amount due is now {$81000.00} - due to their negligence and inefficiency, my loans have grown roughly {$310.00}. Also, my {$950.00} a month payment is steep for me, so I requested a lower payment amount on XX/XX/. Their website says it takes 2 business days to process the request- it is now XXXX XXXX XXXX, and it was never processed. 

I'm greatly concerned that I have such a substantial amount of debt being managed by Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... .they did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled
Product: Credit card

For the past 2-3 years I have tried to resolve this issue. I have a BoA checking account and credit card. I want to automatically make payments to my credit card from my checking account. You ca n't do it as a transfer - which is a set amount only. So if the minimum amount changes to say {$57.00} and your automatic transfer is {$56.00}, they charge you a {$30.00} ( or more ) late fee. If you try to " cancel '' your automatic transfers ( they call that the " plan '' ) they still show as pending for the next month - so say XX/XX/XXXX is scheduled. You cancel that one and XX/XX/XXXX pops up. Then you cancel XX/XX/XXXX and guess what? The only way to cancel those again is to call and spend an hour on the phone. Basically the " cancel the plan '' feature for transfers does not work. 
Now you can submit a written form ( no joke - you mail it in ) to have recurring charges on your checking account to pay your VISA, but then you have no control. You ca n't change it to be " full amount '', you ca n't see that it 's even setup - it 's a blank charge that appears in your checking account as " FIA Card ''. Frankly after 2-3 years I forgot who FIA was. I certainly did n't think it was associated with BoA. You can call and change it, but that too took an hour. 
The third option is to setup a payee of Bank of America Credit card for " Bill Pay '' - the first step in that process is to receive " electronic billing '' from BoA VISA. That takes XXXX days. I do n't want to get an electronic bill, I prefer paper. They assured me I would get both, but I sure do n't believe that will happen. Regardless - after this electronic payee is recognized in 1-2 days I can then setup a recurring monthly payment to my BoA VISA. They told me that would take 1-2 MONTHS. Again, lots of potential for those lovely late fees in this process as my bill is do in 2 days. Now I could live with all of this and say oh well, but I have reported all of these issues 2-3 times over the past 2 years and nothing was ever done, except sometimes they would refund my duplicate payments ( only going back 3 months of course because they only go back 3 months ). It just seems like a deliberate scam to get late fees, either that or absolutely horrible computer designs in which case they should n't be allowed to practice banking.
Product: Credit card or prepaid card

I tried to pay my bill before it was due and Capitol One customer service would not help me with getting online to pay my bill. Neiman Marcus Credit services were taken over by Capital One and I was told I had to re-registered for online service. 

Capital One refuses to give me another way to sign onto my account online other than by telephone would not allow me to receive a code by email. I paid my last bill by their automatic system telephone but have not received a Neiman Marcus bill since Capital One took over the account in two months I was told by telephone what my balance was.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-00002 ) against XXXX for similar violations . I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023, I issued a certified check ( XXXX XXXX ) via my bank, XXXX XXXX XXXX XXXX ( XXXX ), in order to make an escrow payment to my mortgage servicer XXXX XXXX XXXX  ( XXXX ). On XX/XX/2023, the funds were made available to XXXX. I called ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, after I noticed that funds were not properly applied according to the instructions on the check. A Representative from XXXX was unwilling to answer my questions, so I asked the call be escalated. After being on hold for 26 minutes, XXXX hang up on me. I called back again at XXXX XXXX XXXXXXXX and requested to speak to a supervisor. A Representative from XXXX put me on hold for an additional 16 minutes, claiming no supervisor was available. XXXX was unprofessional and lacked accountability when I tried to resolve the issue before filing this complaint. XXXX failed to follow the instructions provided on the check and misapplied funds on the mortgage account.
Product: Credit reporting or other personal consumer reports

Equifax has continued to leave an account on my credit report that is the result of fraud and identity theft. I have sent in the required FTC report for the theft. I also am now including a letter from the company that states they have no verification that this account is mine, and that they also request Equifax to remove the information. However, Equifax still hasn't removed it, violating the FCRA. 
Sometimes Equifax claims it's a XXXX XXXX XXXX XXXX  account instead of XXXX XXXX, but none of those belong to me.
Product: Debt collection

Sent the following letter to Equifax -- -- this debt is outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX   XXXX  XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help