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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Goldman Sachs credit card approved me for a credit card and within XXXX weeks they closed it with no warning and made me pay XXXX for charges I did not make in XXXX of this year. It was flagged for someone trying to use the card and it was not me I callled and after they literally went through lies lies and more lies and I spoke to the merchant numberous times who stated all disputes were reversed immediately once they got the dispute from Goldman Sachs who then said I the check was submitted to be mailed XX/XX/XXXX for the full amount after multiple numerous calls and then I called the next week to check and again told the same thing and just today was told the dispute is not complete no check will be mailed and no reason given. They literally have been lying to me since XXXX made me pay when I am XXXX and can't afford to pay this but was coerced because I didn't want a problem with my credit but they always won't help Remove this front the credit bureaus knowing I was a victim of identity theft twice and they literally approved then closed and stole from me and won't just tell me the truth, I am sick to my stomache and started crying when I heard this news because I would give my right arm to be able to work and these people are miserable and so ignorant on how to even communicate that it makes me sick so I'm out of XXXX and I needed depended on that money I have to get a funeral personal and I literally can't pay now and find this so unethical
Product: Student loan

From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I had an account with Edfinancial where I could log in, see what I owed on my federal loans, and make payments. Edfinancial moved all of their accounts over to a new online system starting in XX/XX/XXXX and mine got lost in the process. 

I have tried numerous times to log in online with my social security number and other information and I keep getting told that they can't find an account associated with me. They removed their old portal so I am unable to find my old account information to see if they can find it that way. I have called them multiple times to find out what happened. I have been told more than once that they would get back to me in 3 business days with my account information and they never did. The last time I called them ( a few weeks ago ), I was told that I needed to wait until they transferred my account over to their new system. When I asked how long that would take, the representative couldn't give me an answer. She told me not to worry about it, and that I wouldn't be responsible for a payment until that happened. 

However, Edfinancial is sending me all of these emails stating that I owe them money for my first two payments. They are able to tell me how much I owe. They are able to locate my information to be able to send those emails, but somehow still can't find my information in order for me to log in and start actually paying. 

I am extremely frustrated over this situation. Interest is accruing over the full balance in my account, which means that I am going to owe them more money in the long run. It feels very predatory and deceitful, especially when I am ready to start making payments and had an account with them up until recently. Additionally, I qualify for the PSLF program and can't get that started because I need my Edfinancial account information to use for my application.

If anyone is able to help, that would be wonderful. I have tried my best to work with Edfinancial and they have not been responsive. I feel like I am being taken advantage of and just want to sign up for the PSLF program. Thanks!
Product: Debt collection

XXXX XXXX XXXX XXXX is saying that I owe XXXX for HSBC Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.
Product: Credit card

This late payment is inconsistent with my regular on-time payment record. Please correct this by removing it and updating my account immediately. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX
Product: Bank account or service

This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.
Product: Credit reporting or other personal consumer reports

In late XXXX, I took out a loan through Affirm for a purchase. Due to problems with the seller, I specifically instructed Affirm not to fund the loan. Despite my request, they proceeded with the funding anyway. 

What followed was a frustrating seven-month ordeal. From late XXXX to XX/XX/XXXX, I repeatedly provided Affirm with the same information and documentsat least five different timesas they seemed unable to properly process my case. Eventually, Affirm wrote off the loan on XX/XX/XXXX. On XX/XX/XXXX, they finally acknowledged their mishandling of the situation via email and promised to resolve the issue with XXXX, which they did. 

Recently, I attempted to use Affirm again for a small purchase, but my application was denied. Upon checking my Affirm account, I discovered why : the previous loan was still marked as " written off '' in their system. When I contacted them to correct this, they made an unreasonable demandthey wanted me to send them both a selfie and a photo of my driver 's license. I refuse to comply with this request, especially considering their previous mishandling of my information.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the accounts are accurate, without providing any evidence of a through investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Transunion continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information.

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates.

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt.

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer.

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.
Product: Credit card

My wallet and phone were taken from me. Thieves used my card for nine transactions for {$41000.00}. This caused an overage of {$17000.00} from my credit limit. The thieves used my Face ID to unlock my phone and then approve the transactions that were sent by Amex through text. These purchases were far outside my normal spending and completed in the early AM hours. I am still awaiting resolution.
Product: Student loan

I had a loan on my XXXX account of XXXX with a 5.5 % interest rate. I logged in and completed the payment on XX/XX/2023. Confirmation number of XXXX The money was taken out of my bank account on XX/XX/2023. I logged into XXXX today to see if the payment had gone through and nothing was taken out and now the total for the same loan is XXXX. I reached out to them and have not heard anything. I am extremely frustrated and should not have to pay that extra interest that was accrued because I had already made the payment. My account balance doesn't even reflect a transaction.
Product: Mortgage

I have a B of A mortgage modification loan, and it has been in place for XXXX years. Now for no reason B of A has been sending XXXX packages to my home. The documents state that I need to re sign these documents and have them notarized. The documents state " As your home loan servicer, we where pleased that your loan was approved for a loan modification.Although your mortgage has been modified, there was an error in the format of the documents that we used and they were unable to be recorded at the county records office. If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. This is not a new loan modification. It is a copy of your previous loan modification. '' They later state, .. '' while reviewing the documents, we noticed the XXXX or more items where missing in order for it to be recorded at your local county recorder of deed, which is a requirement of the loan modification process.Because we need your assistance in signing the replacement agreement, we would like to compensate you for your time by offering a {$500.00} incentive. " I checked with the County and my modification has been properly filed, recorded and documented with the county ; they faxed over my documents and everything seems to be in order. I have called Bank of America many times in regards to this and they keep giving me the same reason. I was assigned an account specialist who called me back regularly to tell me she has no answer for me as to why B of A insists that I need to resign these. I have taken it to the B of A escalation department ; where I was assigned another " account specialist ''. I have been recontacted by this specialist over the last XXXX weeks, at least XXXX a week ; to tell me that she has no answer for me as to why they need me to resign. Now the last call from this representative, I was told that she would no long be able to work with me and that I need to contact another person from B of A. I have supplied them with a copy of my documents and deed, registered with my county as proof that there is no issue and that the documents are indeed registered. B of A continues to XXXX the same documents to me ; I believe I have XXXX or XXXX of these packets now. I just want a straight answer from B of A ; or a copy of the document from my county stating that there is really an issue with my documents. I can not get a straight answer from anyone at B of A, this has been going on now for over 6 months. I do not trust these people and I just want a straight answer or proof so I can sleep at night knowing that these people are not trying to take my home ; I have never missed a payment and I have never been late. Please help
Product: Credit card or prepaid card

I had a fraudulent transaction on my capital one credit card for {$960.00} USD which happened on XX/XX/2022. This happened while I was on vacation in XXXX and I don't know how my chip was used for this transaction. 

It went back and forth with capital one on opening up dispute and them closing out the dispute. I tried disputing with capital one several times from XXXX but they were just eager to close the complaint. They were able to get the transaction receipt document to me and I did not recognize the {$18000.00} XXXX {$960.00} USD. 

Along with the transaction receipt, Capital one had also asked me to write a statement stating that I did not receive the goods and services and I did that exactly. Along with my statement, I had also sent out my current and previous Drivers License pictures so that they could verify my signature and see that it was a fraudulent transaction with a fraudulent signature. 

I had also looked up the merchant online and there was not even a phone number associated with the merchant. The merchant seems to be a fraud/ scam as there is no information about the merchant on the internet or a phone number. I am being repeatedly told that capital one can not do anything since chip was used and that I need to contact the merchant directly to resolve the issue. 

I have attached the latest communication from Capital one in XXXX and XXXX. There was also communication prior to the one 's attached.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have fraudulent accounts and inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from Experian and XXXX. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at XXXX. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.
Product: Student loan

I wrote to Navient back in XXXX of 2017 asking for information regarding my account. This included the promissory note, information on how to lower my payments, how to apply for lower interest rates, as well as an offer to settle the loan completely. I offered to settle the loan at the original loan amount of {$12000.00} or for them to make an offer to me. I asked for a response within 15 days. I was ignored. In the meantime, my co-signer was also in contact with them via telephone. He offered to settle the loan for the same {$12000.00} and the offer was denied. The counteroffer was actually more than is actually owed on the account. He also told my co-signer that there wasn't much they could do with lowering the monthly payments, and my co-signer explained that I can not afford the monthly payment amount of {$290.00}. 

The other issue that I am having with Navient is that they are harassing myself and the people around me. They call my home phone number around 35 times a week, multiple times a day ( somewhere around 6 different times depending on the day ). They have called cell phone numbers of my relatives and are now starting to call my workplace. It is completely inappropriate and I would like the harassment to stop. It is not just effecting me but others around me, who have nothing to do with this loan. 

Navient has been harassing me to make payments which I financially can not. My income is less than the bills I owe. They keep contacting me but yet ignore me when I contact them, or when myself or my co-signer offer a solution to the issues. We have offered to pay off the loan and were met with rudeness and an unrealistic counter offer. 

I have sent out letters today ( both old and new ones ) to 3 different addresses. I sent letters to general correspondence, processing and the office of the customer advocate. I also sent these with signature/tracking so that I know whether they are received or not. I did this because Navient so far has ignored any letters I have sent. 

If I could afford it I would be making payments on this loan. The financial situation that I am in right now does not permit me to afford the current payments and if Navient can't work with me, my only option is default.
Product: Vehicle loan or lease

Avid acceptance is sending me constant messages that our insurance has expired and that I must send in the documents to show updated insurance information. Our insurance agent has sent it in to Avid on two occasions and my wife and have sent it once each. But, they continue to harass me about it.

My wife and I have both tried calling, but either we are put on indefinite hold or we are told that no one in that department is available. We both leave messages for a call back, but it never comes. At one point I even asked for a supervisor or someone in charge only to have the operator tell me that they did not know who that was. I have now emailed them from different formats trying to find someone who can stop the harassment but I here nothing from them except more messages about our insurance expiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX/XXXX  Account XXXX XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As early as XXXX 2017, Equifax may have unlawfully disclosed my personal information, including social security number, addresses, driver 's license number, and financial information, to unknown third parties. They have not yet directly notified me, although I 've requested information from their Notice of Breach - Potential Impact page and confirmed that my information may have been disclosed. I have examined the proposed response by Equifax, and have found the process of opting out of their arbitration clause to be onerous, rendering their identity theft and general security monitoring service inadequate and intolerable. I urge the CFPB, Department of Justice, and other state and federal authorities to immediately sanction and bring suit against Equifax, including management, board of directors, responsible employees, and large shareholders. I demand security and monitoring services to protect my personal information for a period of not less than 80 years, to be provided free of charge for not less than 10 years, and thereafter subsidized by the financial resources of Equifax and any major financial institution that provides consumer information to Equifax. I demand that the same services and rectifications are provided to all 143 million victims of this unlawful breach, and to hundreds of millions who likely be subject to similar crimes corporate irresponsibility in the future, and expect that every judge, lawmaker, and bureaucrat will be bent toward the will and security of the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit