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

XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a call from XXXX today regarding my complaint. Chase can not be serious to have the same person who did not complete a thorough investigation initially and advised I file another complaint now complete the investigation into my complaint. Im taking this action as clear indication Chase does not take these complaints seriously or the purpose of the CFPB seriously. I do not want XXXX working on my complaint. Shes proven to be grossly incompetent and wasteful of Chases resources, the CFPBs resources and a waste of my time. If my complaint is not taken seriously, I will move forward with filing a lawsuit into the investigation as to why Chase accessed my credit monthly for nearly a year without a justified reason, notification, pulled my credit three times in XX/XX/2022 and XXXX has confirmed I am not a cardmember. 

Find another equipped employee to handle my complaint and complete a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I filed XXXX XXXX bankruptcy in XX/XX/XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with XXXX XXXX XXXXXXXX XXXX while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXX/XX/XXXXan discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX credit union/pen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my daughter is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action
Product: Checking or savings account

Facts regarding Chase Bank improperly closing an attorney/client trust account. 

I called XXXX XXXX at Chase Bank 's XXXX XXXX XXXX in XXXX, XXXX  on XX/XX/XXXX, requesting the routing number and XXXX XXXX for my client trust account that I opened with Chase in XXXX. This account is XXXX I am required to have by the Colorado Supreme Court rules and XXXX which is exempt from fees for opening because it is mandatory for my profession. In Colorado, these types of accounts are called XXXX XXXX accounts ( XXXX  XXXX XXXX Account XXXX ). You can read more about it here : XXXX : XXXX I called XXXX XXXX a second XXXX on XX/XX/XXXX because I have an international client that wanted to make a retainer deposit, which requires I use my Coltaf account at Chase. 
XXXX days later, on XX/XX/XXXX, XXXX XXXX found the time to return my call and provided the information I requested. But when asked to pull up my account to confirm the account number, he could not locate it. So I emailed him the account information I was given when I opened the account and which is attached. 
Later today XXXX XXXX called to explain that Chase had closed the account. He had no explanation for why. Chase has never once contacted me to tell me the account would be closed. As a result, for at least XXXX years I have been representing to the Colorado Supreme Court that I maintain a client trust account at Chase, which I genuinely believed I did, when apparently - thanks to Chase 's crack customer service team- I do not. 
I asked XXXX XXXX to re-open it. He said he could not. I asked him to open a new one, and he asked if I had a copy of the trust agreement, which tells me XXXX XXXX has absolutely no idea what a XXXX trust account is. 
I would like the account re-opened please. Chase has no legal right to close a client trust account of a licensed attorney without notifying the attorney. 
Thanks, XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES 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
Product: Student loan

The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.
Product: Checking or savings account

Walked into PNC bank branch in XXXX IL to deposit a check. Was interrogated as if I was performing fraud. Advised employee my check was legal and after further investigation it was deposited and I was told it would be " available '' to me within 3 days. After 3 days the check was placed on a 10 day hold and was unavailable to me. I reached out to customer service where I was talked to like a criminal again and ultimately hung up on because I was trying to get better understanding as to why I was treated this way. Calls are recorded and I'm extremely disappointed in this experience and looking forward to closing my account and exposing PNC for the low level business that it is.
Product: Student loan

On XX/XX/XXXX I received a letter from Nelnet ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " On XX/XX/year>, a federal court issued a stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result of this ruling, ED has directed Nelnet to put your account into a forbearance. '' And as a result of this " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' However, interest has been accruing, and at an extreme rate. This company is incredibly difficult to actually talk to a real person. I've spoken to many people who are having the same issue. This very much feels like cruel and deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also stated a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I went to Art Institute from XXXX, the school falsely projected likelihood of success after graduation including expected income and job placement along with job placement services that we'd be privy to in our last semester and after becoming alumni. I have already had my federal loans forgiven because of this, there was a nationwide case over this. I have spent the last 14 years in financial hardship unable to find work in the field of my study due to Art Institute 's rampant and irresponsible over promises and under deliveries. Art Institute released a plethora of under educated artists into multiple fields to compete against competent art student graduates from other institutions which made finding jobs in our own fields impossible. At the end of XX/XX/year> to beginning of XX/XX/year> I found and filled out a XXXX page application that was called a School Misconduct Discharge application, which sounded like it covered exactly the situation I was in. I spent days filling it out, cited sources, including the literature I had that falsely projected their income and job placement statistics. About a month later, I got emails saying my application was being denied with no specific information as to why. Even with knowing at this point despite the misconduct of the school, I have paid the principle amount I have borrowed, although with their structure almost all the money I have paid has been going to interest doing little to whittle down the amount I owe. 
At the time of the application these were the numbers I calculated involving my loans through XXXX ( Formerly XXXX ) Total Borrowed between all XXXX loans : {$28000.00} Total Paid between all XXXX loans : {$42000.00} Total Still Owed : {$36000.00}
Product: Debt collection

I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX
Product: Mortgage

PHH Mortgage Customer Service - XXXX Hello I have loan with them for my condo. They never notified me that my HO6 insurance was expired. 15 months later they sent me a bill around XXXX . They did not listen my complains that they never mailed or notified me about HO6 COVERAGE. They charged us for last year coverage which insurance never taken place. They are corrupt and unprofessional company. I tried to call them many times they were not interested my complains at all.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was contacted by a representative of Speedy Cash stating that I had a payment past due.I don't do business with Speedy Cash
Product: Checking or savings account

I have a checking account with Upgrade Inc. On Friday XX/XX/XXXX, I requested a wire transfer. I received the confirmation call for that wire transfer request on the same day at around XXXX XXXX After the confirmation, I was told that the transfer would happen on the same day. Upgrade Inc did not complete the transaction on that day. 

On Saturday XX/XX/XXXX, I called the company and I was told that the transaction would happen on Monday XX/XX/XXXX as the next business day. 

On Monday XX/XX/XXXX after I waited for hours for that transaction to happen, I again called the company and filed a complaint with them. Again, the customer service verified that the transaction would be completed on that day. 

I am filing this complaint on Tuesday XX/XX/XXXX, and I am still waiting for the wire transfer to be completed. 

Upgrade Inc held onto my money without letting me the reason for that. The company failed to communicate well with me, told me several times that they would complete the transaction on the same business day which never happened. This lack of communication, lying several times to me, and hiding the real reasons behind the delay caused me financial and emotional burden.
Product: Credit reporting or other personal consumer reports

This is to confirm that there will be no third-party involvement in my disputes. All actions and responsibilities will be managed solely by our internal team to ensure the integrity and confidentiality of the work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

In ordnance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Disputed these 3 medical bills to credit bureaus, several times.
Product: Vehicle loan or lease

Since XX/XX/year>, a car I used to own was totalled in an accident that was not deemed my fault. Credit Acceptance has continued to report this car as functional and therefore has negatively impacted my credit because they still want to predatorily take money from me even though I have not had access to the car/not functional. The total amount of the original loan is {$13000.00}. However they said they have sold the car at auction and I am still responsible for around {$5000.00}. According to the XXXX XXXX XXXX XXXX, Credit Acceptance has been sued regarding predatory regulations of car loans on their customers. I would like this loan removed from my credit as it is highly negatively affecting my ability to purchase a new car.
Product: Debt collection

I have a payday loan with lendly that got sent to collections, it was bought by a landmark strategies. I am being sued by them and a server XXXX XXXX @ XXXX that is trying to serve me court papers said he has come to my house to try to serve me which is not true, I have camera all over house and no one has come to my house that I dont know. This server said he went to my work which is not true. He also calls early in the morning and later at night, he is also calling XXXX XXXX XXXX XXXX XXXX which is illegal. I have asked him numerous times to stop calling me and my family.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have reported these to the bureaus but they dismissed my claims and told me to resend my documents. I've gone back and forth with them since XXXX but no results. I generated new FTC reports and I will attach them to this case. Please delete the fraudulent accounts from my credit reports asap 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
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX