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

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit card or prepaid card

Hello I received a Reliacard from US Bank that was not requested and I do not have any benefits from the State of Colorado that were requested or that should be coming to me. Someone applied in my name for benefits that are fraudulent request. Please make sure the card is dicontinued and any funds placed in the account returned to sender.
Product: Mortgage

I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company.
Product: Credit reporting

On XXXX XXXX, 2016 Equifax re-inserted a public record ( Chapter XXXX Bankruptcy Discharged ) to my credit report, I have not received notification of the re-inserted information as required by law. Equifax has violated the law and is required to remove this item from my report immediately. I just spoke with XXXX XXXX XXXX XXXX at Equifax that verified that this information was inserted without proper notification. If Equifax does not remove the item immediately I will follow a small claims.
Product: Debt collection

I was contacted by Tate and Kirkin Associates, INC XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PA XXXX BY PHONE AND MAIL. 
I wrote and explained to them sending them proof that I DO NOT OWN XX/XX/XXXXANY MONEY.. I showed proof that they had to return money to me.. This is the second collection agency that XXXX has sent after me for money I do not owe. On top of that I showed proof I am on welfare and that XXXX XXXX XXXX is wrong for saying I owe this money. please help me to stop them from threatening and bothering me XXXX XXXX SENDING collection agencies after me..There address isXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE PLEASE PLEASE HELP ME How do I stopXX/XX/XXXX FROM KEEP SENDING CREDIT AGENCIES AFTER ME. 
And how do I stop TATE AND KIRLIN ASSOCIATES FROM HARNESSING ME?? 

THANK YOU FOR YOUR TIME AND SUPPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Bank of America several times about this account. Each time they are saying it is reportable because I owe this debt. The debt is too old to be on my account. Recently XXXX and XXXX has disputed this company only to get the same response. After talking with a Customer Service Rep with their company ( and this info has been recorded in their files ) he explained the XXXX process. They agreed to deleted XXXX account in XX/XX/XXXX but not the other. Both accounts were submitted to Credit Bureau agencies under the same circumstances. The account with the higher balance has had dates changed as to when it was submitted. ( see attached ) I am being told there is recent activity. How so? Last retail date on this account is XX/XX/XXXX. Last payment date is XX/XX/XXXX. I was told by the Customer Service Rep that any debt cancelled under IRS rules are the person is not obligated to pay the remaining balance. We are in the XXXX year of the XXXX issued in XXXX. Taxed amounts were paid. I am concerned that the amounts shown on XXXX are not in sync with the amount reported to credit bureaus as well. I have talked with 6-7 managers at Bank of America. None will release this debt but released the other. I filed a dispute with XXXX and XXXX  XXXX Bank of America reopened and reissued another report against me in XX/XX/XXXX for the same accounted they deleted in XX/XX/XXXX. XXXX  resolved dispute. XXXX just received theirs and dropped my credit rating. There seems to be a lot of confusion going on in credit and collections. Managers are very argumentative and will do vindictive things like reissuing reports that have been resolved. They also will list your account so no one can speak with you but XXXX of them.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive found incorrect and clearly inaccurate information on my credit report, and honestly, I am furious. After reviewing everything, its obvious that this data does not belong on my report, and its affecting my credit in a way that is completely unjustified. This is absolutely unacceptable. I take my credit seriously, and seeing something this wrong on my report is both frustrating and unnecessary. I should not have to deal with errors like this that could potentially harm my financial standing.
Product: Debt collection

BESTEGG was advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Product: Checking or savings account

On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work. 

I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge. 

At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done. 

I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent. 

TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made. 

3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred. 

I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.
Product: Money transfer, virtual currency, or money service

Coinbase, inc. claimed they would refund my {$100000.00} transfer I sent in XX/XX/XXXX because I had sent from a business instead of a personal account. 
Two months later, and they still have n't returned my money nor email me the status.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the consumer rinancial rotection Ac ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on tell platform, leaving my account vulnerable and unprotected.

Also their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Prepaid card

I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.
Product: Student loan

Wednesday XX/XX/2020 Concern : Public Service Loan Forgiveness qualifying payments Amount qualifying : 64 Amount remaining : 56 Need : 120 to get wiped To have my federal student loans wiped, I have to make 120 qualifying payments. So far, I have worked in public schools as a full-time special educator for 7 years. There was one period from XXXX where I had a forbearance because I was in graduate school, so those months did not count. I have worked 1 year in XXXX, 3 years in XXXX, and just finished my third year in XXXX. I have been on the phone with PSLF for over 20 hours in the past 7 years because there have been numerous clerical or computer errors, one of which they lost 16 of my qualifying payments, which equates to a year and of what counts towards wiping my loans. The agent I spoke with today was not only unsympathetic, he was rude and disregarded my questions. I was viewing my statement online and questioned some of the XXXX payments and XXXX, where now instead of my 36 payments its down to 31. The manner in which he responded was extremely rude and lacking any form of customer service skills. Each time I call to inquire and check up on my loan status, I receive different answers from different agents. The previous agent said I only had 28 more months of qualifying payments and I would be done, now it says 56. The incompetence and lack of compassion with the customer service agent only causes more frustration regarding my loans ever being forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MDXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit card or prepaid card

My name is XXXX XXXX my When the pandemic 1st started I applied for XXXX I was approved I signed up for a prepaid card to get direct deposit from the card.com company On XX/XX/XXXX {$12000.00} was loaded on card ending in XXXX I had 2 cards with them The other ending in XXXX I had XXXX XXXX deposited on it as well In order to even be approved for this prepaid card you have to 1st in advance Fully verified which I did I purchased a few things I guess my account got red flagged when I made a purchase out of town and I did not see the notification until they had already closed my account they are not following any of their policy and procedures I've read them over and over I have gone back-and-forth with them they will not give me the remainder of my money I have done everything I know possibly to do how can they just keep my money their policy States that infinite account for any reason is closed and there's more than one cents on it they will send A check to the address on file they will not give me my money and I want it back. Please take note the billing address It's not my current Residents anymore the one I provided here is the current my number has also changed thank you
Product: Credit reporting

My complaint lies more with XXXX who never sent me a notice that a bill was due. They sold their information that was inaccurate to a debt collector XXXX. I did not find out until XXXX 2016 that XXXX was requesting a payment from me from the debt collector. I called XXXX and discussed what occured on the account with me canceling service and transferring service from my old employer to me. They informed me that it would be taking care of since it was XXXX error. They gave me a reference number XXXX along with the employee name. I asked if they were going to contact XXXX and make sure this was not reported on my credit bureau. XXXX indicated not to worry about it they would get it corrected and recall it from the collection company. I received notification in XXXX that a collection had been reported to my bureau in XXXX 2016. I contacted XXXX and spent 2 hours explaining what occured again! I was in the process of getting a HELOC and business loan this dropped my score over XXXX points. I had to postpone XXXX due to the drop in my credit score. All due to XXXX miskake!! They never sent a notice to my residence or tried to get a hold of me before sending it to a collection company. They claimed they sent the notice to my employers billing address. This could of been avoided if they would of called or sent a notice to the service address on record. XXXX billed me in error due to their employees mistake and even continued to do so after telling me they would correct the information in XXXX of 2016 giving me a reference number. They have informed me that I need to contact XXXX to discuss obtaining a letter and getting it removed. This is the worst experience I have ever had with a company and they do n't seem to care about the issues this has caused me personally due to their incompetence.
Product: Credit card

I applied on Monday, XX/XX/2024 for the GM Business Credit card for my second business XXXX XXXX XXXX XXXX. I was prompted to upload my I.D and XXXX Letter. I provided both my I.D . and XXXX XXXX and received a denial stating that the company was " unable to verify my Identity information '' on XX/XX/2024. I called in and the rep stated to put in a new application and that the I.D should be clear. On XX/XX/XXXX, I put in a second application and received an offer and was prompted to upload my I.D . and XXXX letter again ; and I uploaded both. On XX/XX/2024 I was denied and this time the reason was " unable to verify business information ''. At this point I knew something was wrong because I uploaded the SAME EXACT DOCUMENTS. I called in and the rep stated to make sure everything was clear and that the information was the same and said reapply again. On XX/XX/XXXX, I applied again for the GM Business Credit card and received an offer and was prompted to upload my I.D and XXXX XXXX and I uploaded them again. Today, XX/XX/XXXX, I received a denial letter stating " unable to verify I.D information ''. Based on this information, I believe the company is not following fair lending practices and have not done their due diligence because I am submitting the same exact information, but is receiving different responses. I have provided screen shoots of each denial reason for XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX
Product: Credit reporting or other personal consumer reports

There seems not to be a specific box for my entire complaint and dilemna. It appears that there has been a collective effort to lower my credit scores that were totally beyond the realm of reality. It was almost as if there was a collective effort between the creditors and credit reporting repositories to prevent me to be able to move forward with the ability to work through a bad situation. In past years I've worked in finance industries and have never witnessed anyone 's credit score to drop over XXXX points from an XXXX to a XXXX within a year and a half, and during that time not miss any payments to said creditors, XXXX collections, no bankruptcy filings, etc. The biggest issue was creditors lowering my credit limits in unison giving the appearance of being overextended. This was even done after I mentioned that the reason for the added useage to my credit was due to a business startup that I helped startup as a legacy for my son who was in preparation to take over in the summer of XXXX but suddenly passed away from an unsuspected XXXX XXXX. Even with that I still paid timely on these accounts and with my scores still plummeting, it made it next to impossible to secure business loans in order to operate more efficiently and to generate more income to work through the situation to this day.
Product: Mortgage

NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of hard inquiries on my credit report and the only one I did was the one from XXXX for my XXXX credit card. Ive sent them all letters to dispute them but some of them sent me letters saying that I did request credit for a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is reporting a debt on my credit file that is not mine. I had tried to get in contact with them and explain that i was a victim of identity theft. Someone opened this account under my name but it was never used. The balance that was sent to collections is made up from their fee 's for opening the account and for being " late '' on these payments. I NEVER opened this account and wasn't aware this was even on my credit until i checked recently. I called and tried to work with LVNV Funding and came to the conclusion that i should settle the debt because it was significantly affecting my scores and for the balance it was not worth it to fight and continue to damage my scores. Now the debt is completely settled and I'm so over dealing with LVNV Funding for a debt that isn't even mine. I tried to get a deletion letter from them for the reason that it is not my debt and they would not supply that to me which is very ridiculous because i paid this debt even when it wasn't mine!!!! I NEED LVNV Funding to remove this erroneous debt from my credit file. It is not mine, it is paid, and it is affecting me being approved for financing and it is causing hardship on me, i can not have this debt that isn't even mine on my credit file anymore. I need it to stop damaging my scores.