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

The following student loans were reported on my credit report XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.
Product: Credit card

When I did the application for the card, I gave CitiBank my physical address as well as my mailing address. CitiBank still sent the card to my physical address where I can not receive mail. I called CitiBank in order to inform them that the card was supposed to be sent to the mailing address. They would not confirm that the mailing address was on the application. They asked to send a code to my phone to authenticate me and then proceeded to tell me that they could not send the text. Then they asked for work number where they called and talked to my supervisor who verified that I was who I said I was and then stated once again that they could not verify me. They asked me what my security word was-I told them-it was correct and then they stated that they still could not authenticate me. They asked for me SSN-still could not authenticate me. And then stated that they would have to send me a letter to authenticate me-even though they were sending it to an address where I can not receive mail. I pointed this out several times during the conversation and they said that I would have to wait XXXX business days to call back and then they would try something else. I waited the 10 days and then we went through the whole thing of them telling me that they could not authenticate me even though I answered everything correctly. They then asked me for family members ' phone in order to authenticate me but when I asked how they would use that information to authenticate me-they would not tell me how. So once again we get to the end of the conversation-and they tell me-AGAIN-that they have to resend the letter-EVEN THOUGH I AM NOT GOING TO GET THE LETTER BECAUSE THEY WON'T SEND IT TO THE CORRECT MAILING ADDRESS. I asked during both calls if I could just close the card because this was too much trouble for a card-they said that they had to authenticate me in order to close it but THEY WILL NOT AUTHENTICATE ME NOR WILL THEY GIVE ME A SUFFICIENT REASON AS TO WHY THEY CAN NOT AUTHENTICATE ME. I hope that as many people as possible read this because this is the most ridiculous thing that I ever had to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX . NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Product: Credit card or prepaid card

CITI closed my Home Depot credit card without prior warning. The account was in good standing, payments were set on autopay. I 'd been a loyal customer for many years. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Product: Checking or savings account

I wrote a check on XX/XX/XXXX. The person I wrote the check to cashed the check using mobile deposit into a XXXX XXXX account. The funds were removed from my Bank of America account. All is good. 
On XX/XX/XXXX the check written on XX/XX/XXXX was mobile deposited again unknown to me. I received my Bank of America statement on XX/XX/XXXX with a subtraction from my Bank of America checking account for the same amount as the check written on XX/XX/XXXX with the description of " FORCE POST DEBIT ''. When I called Bank of America to ask what this was, they explained that the XX/XX/XXXX check had been mobile deposited to XXXX XXXX again, XXXX XXXX honored the check and took the funds out again from my checking account. They said they tried to get the money back from XXXX XXXX, but XXXX XXXX would not give it back (?? ). They said there was nothing they could do about it, that I should go back to the person who deposited it twice and try and get my money back. 
I do not think this is right. Is every check I have written subject to being double ( or multiple times ) deposited and my checking account drained without any consequences to XXXX XXXX or Bank of America?
Product: Student loan

I am currently making payments XXXX times over the required payment. However, the principal amount is not reducing. In reviewing the amount the company applied to interest, that rate is approximately XXXX XXXX I have made payments of {$5900.00} and {$2200.00} has been applied to interest. This is usury! And their statements do not reflect the amount of interest they are applying. My current required payments are approximately {$25.00}. I paid {$280.00} last month and my principal is higher than the previous month.
Product: Debt collection

I received a U.P.S. envelope dated XXXX was addressed to my current address. 
The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX. 

Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX  and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland! 

After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers. 


THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!! 

Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!
Product: Debt collection

I was contacted on Saturday about a loan I supposedly took out in 2011 from XXXX XXXX XXXX XXXX XXXX XXXX if I paid {$590.00} that day, the issue would be resolved even though I owed {$790.00}. When asked the original amount of the loan, XXXX could not give an answer - just advised somewhere between $ XXXX {$500.00}. When doing research on this Rosen Management, come to find out they have multiple complaints filed against them. A phone number for XXXX XXXX XXXX was found and called. They knew nothing about a loan, yet tried to sell me Protein Muscle Builder for body builders? I was then contacted today by a local number telling me legal action was going be taken if I did not pay my debts - basically calling me a deadbeat. When asked to send me the validation of debt paperwork, along with how to dispute this fraudulent activity, the gentleman declined. Per state of Wisconsin law, I have the right to request this information and it has to be sent within 5 days. Instead I was advised that my employment information had been verified and I can be expecting my wages to be garnished before being hung up on. This is not a legitimate company, and according to my attorney I have the right to request the above paperwork. Complaints have also been filed with the Federal Consumer Protection agency, along with the Consumer Finance agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint, number XXXX, which was closed after Equifax responded -- but the response was in fact a non-responsive " canned '' and scripted answer to my particular issue that did not address my issue. <P/>My issue is that an erroneous inquiry was reported by a credit-issuing company to Equifax, and the erroneous inquiry impacted my credit score by tipping me from one category ( Good ) to another ( Below Average ) on the Recent Inquiries metric. I contacted Equifax and  submitted a faxed request for the correction as instructed by phone when they acknowledged the error ( a social security mismatch ). I have contacted the credit issuer and subsquently submitted a correction request with all the information they directed me to include when I spoke with them by phone and they acknowledged the error. <P/>The error negatively impacted my credit report two days after the erroneous reporting. It has remained negatively impacted for more than six weeks after I notified Equifax of the error. Equifax claims it may take them 60 days to correct their own error -- which is unacceptable given the importance of credit scores on a variety of life decisions including access to apartment rentals, insurance, credit, employment, etc.
Product: Mortgage

I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to reasonably reinvestigate disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Equifax, TransUnion and Experian 's failure to conduct proper investigations. The CFPB alleges that the companies engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 
I hereby request the following : 1. All companies remove charge-off accounts from XXXX under XXXX under code 15 U.S.C Code 1635. 
2. Equifax removed the XX/XX/XXXX account a second time, as this was disputed recently because it was removed from all credit reports in XXXX after a complaint was filed with the NC Attorney General. It was not on my report in XXXX but recently reappeared on Equifax claiming payment was made and needs to be updated, when speaking with an operator for XX/XX/XXXX they advised the account is closed and not in collections. 
3. Delete any information that can not be verified, as mandated by law Given the recent CFPB findings, I expect that all the bureaus will handle these situations with the utmost seriousness and compliance with legal standards.
Product: Mortgage

I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.
Product: Bank account or service

My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit card

Last year, XX/XX/XXXX, my Citibank credit card was hacked. So I immediately called Citibank to report and investigate about it. They told me to pay the balance on the account first, then theyd look into the problem, told me to wait 3 months, and then would give me a call so I paid the payment. But after I waited 3 months, I didnt receive any call, so I called the Citibank again and another different representative picked up my call and told me to pay minimum payment first again and theyd investigate the fraudulent transactions. And also said that the credit card was changed but I didnt received any new card. And after 3 months I called the bank again but this time they said they have changed another new card for me and that theyd give me credits but I didnt get a new card and any credits. Again told me to wait 3 months. Between then I made calls about the case but I didnt get any certain answers from Citibank . XX/XX/XXXX, 2 weeks ago I called the bank again, told me to wait 14 days but it has been more than 2 weeks, didnt receive any response from the bank.
Product: Student loan

MOHELA is my Student Loan Servicer, and has been for decades. I am current on my payments. 

They recently switched to a new online system and told me that I had to create a new account on their new system in order to access my account info, payments, etc. 

In order to complete my new account I had to agree to their terms/conditions. 

This was in the terms/conditions, " License to MOHELA. By using this website you automatically grant MOHELA the royalty free, perpetual, irrevocable, non-exclusive, transferable right and license to use, reproduce, modify, adapt, publish, distribute, translate, create derivative works from, perform and display such content ( in whole or in part ) on the website or to incorporate it in other works in any form, without restriction or compensation. '' I don't understand what this means or what I am agreeing to. 

I called and the phone rep could not tell me either. They asked someone else who also did not know. The XXXX person, said that if I do not agree to these terms, which I do not understand, I can not access my account. 

I'd like to know what I am agreeing to. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

In XXXX  I was victim to bank hacking and false checks being deposited into my account after contacting XXXX and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX  and Early Warning Services causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX  account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called XXXX