23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success- my requests to remove these inaccuracies are either getting ignored and/or disregarded. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Student loan

I have student loan accounts through MOHELA including a Parent Plus Loan through my father. We have submitted multiple forbearance requests on the Parent Plus Loan since XXXX of XXXX to XXXX of XXXX on a monthly basis. These requests have not been updated or approved even though it takes 10-14 business days to process or ( according to them ) 90 days. MOHELA still attempts to collect the monthly payments despite the forbearance requests put in and the account is now in default status as a result. MOHELA customer service can take up to 4 hours for call backs and want to keep you on hold despite no answer to my enquiry on the status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report they have on record for me has been reporting miss information. 
All the account have been charge off but they are being reported as opened. I have been disputing for the last six months ago. Trans union has refused to remove these defamatory information of my credit file. By refusal to remove inaccurate accounts, Trans Union is in violation of the fair debt collection practices act.My complete report is wrong they have been ask to delete all items.To add injury to insult they are sending this info to XXXX, Equal Fax due to inaccurate reporting by trans union. I have been victim multiple times of identity fraud. My lates police report # XXXX.
Product: Debt collection

Due to law 15 U.S.C code 1692 ( g ) the following debt below should not be reporting all three credit bureaus XX/XX/2020 ( XXXX XXXX ) - {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently had my information stolen and I now have someone trying to obtain credit with my information. I have multiple inquiries that were not authorized by me. 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: Mortgage

Hello, I have a Mortgage payment processing issue I'm currently on a Covid 19 forbearance which started XX/XX/XXXX and ends XX/XX/XXXX. 

I made ( 3 ) Payments and ( 1 ) escrow shortage payment as directed by CSR at the Mortgage Company. 

I know I'm not required to may any payment but I didn't want to get to FAR behind once the forbearance periods ends in XX/XX/XXXX. 

I purchased ( 4 ) United States Postal Service money orders and wrote a " descriptive letter and notated my Mortgage information in detail on each ( 3 ) {$600.00} and the ( 1 ) {$42.00} escrow shortage. Sent them overnight on XX/XX/XXXX via USPS priority mail. 

They were signed, delivered at XXXX on XX/XX/XXXX at the Front desk, mailroom. 
I started calling on XX/XX/XXXX once the " collections calls started coming from the Mortgage Company. TO this day no one can find the " package '' even with the USPS Tracking # which I have the " full history and provided Mortgage Company. 

My call history started on XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX and today and no one has any idea where they are and still no " payment credit to my Mortgage still shows due for XXXX XXXX. 
Today I have spoken to 3 different Departments to no avail. 

I called the FHA HUD FHA Resource Center RE : XXXX. 
I left a message for the XXXX XXXX XXXX and now I'm submitting a complaint. 

Any assistance to the matter or guidance will be greatly appreciated. 

Best Regards,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reporting inaccurately. I have 1, 30 day late payment on my account XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/year> that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XX/XX/24 I was scammed. I made a wrong phone number ( thought it as XXXX ) and was fed a story about cybercoin and tracing transactions. They had me download XXXX asst and from there they had access to every thin in/on my phone. I do not bank on my phone, they used pay pal. Im on SS and saw my most recent payment disappear. They had me. They emptied my bank account and had me send money back to my son and he sent it to me. My husband came home and figured it was a scam and had me hang up. I filed a police report the next morning. I went to my bank that morning and discovered they had stolen all my savings, thru my overdraft protection. Bank filed fraud charges and forced PP to refund most of the money. I was lucky. But there is an international transaction where they withdrew the funds. Pay Pal deducted that money from my sons acct. he has season tickets which he sells for games he can not attend. So he had Pay Pal funds. I got nothing and they ( PP ) refuse my requests for help. They know it was fraud. I uploaded my police report still no help. Yesterday I tried once again. I got a reply with someone elses name! That was enough for me to know that they are unsafe..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.
Product: Checking or savings account

My wallet was lost around XX/XX/XXXX In XXXX Tx, my XXXX card was used on XX/XX/2021 for {$210.00}, my XXXX XXXX card was used for {$160.00} and {$360.00} was used from my checking account with fifth third bank. I have disputed all charges with all three consumers however XXXX and fifth third bank rejected my disputes due to my cards being used. I tried explaining yes my cards were used because my wallet was found and whoever found it used the cards. Im unsure as to how they used my credit cards without an ID to match the card and the pin to use my debit cards however thats {$740.00} taken from me and Id like all the assistance I can get to get my money back.
Product: Checking or savings account

On XX/XX/2024, my tax returned was deposited into my husband 's Chase checking account in the amount of {$11000.00}. later on that day Chase closed my husbands account for suspicious activity .When we contacted the bank the bank stated that they can not give us any information that they will be doing a XXXX  day investigation to give them a call back on XX/XX/XXXX in any money that was in the Chase Checking account will be mailed out on XX/XX/XXXX. My husband and I contacted the Chase bank on XX/XX/XXXX and they let us know that the check will not be mailed back from Chase that the check will be mailed out from the IRS once it it was returned from the bank. The remaining balance that was suppose to be in checking account was XXXX, the representative let me know that Chase will be taking a loss and sending the full refund back of XXXX. The representative also let me know the funds were sent back to the IRS on XX/XX/XXXX to contact IRS. I spoke with IRS XXXX weeks in a row the funds from Chase still weren't returned. On XX/XX/XXXX I reached out to the IRS to see if the refund check was sent back from Chase, the IRS let me know that the check still hasn't been returned to the IRS to contact the financial institution. I contacted Chase on XX/XX/XXXX. I spoke with the representative and she let me know the representative I spoke with on XX/XX/XXXX gave me misinformed information the representative let me know that the check will not be returned from Chase, that the IRS would have to request that funds be recalled from senders bank.
Product: Debt collection

I received an alert yesterday that a new collection has been posted on my account. I looked into it and it is for {$150.00} and it is from XXXX XXXX. I reached out to the collection company IC systems, and they basically told me that I have to get in touch with XXXX  and XXXX will correct the collection. I havent had any luck getting a hold of XXXX and getting to the right representative. All of my credit bureaus are frozen so Im hoping this fraud happened before my accounts were frozen. I have already filed the dispute on my XXXX XXXX account since that is the only credit bureau that the collection is on right now.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account and hard inquiries on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Update Phone Number on Credit Report Dear EXPERIAN Customer Service, I am writing to request an update to my personal information on my credit file. I recently changed my phone number, and I would like to ensure that my new contact information is accurately reflected on my credit report. 

Below are my updated contact details : **Previous Phone Number : ** ( XXXX ) XXXX **New Phone Number : ** ( XXXX ) XXXX Please update my credit file with this new phone number and confirm when the update has been made. If any additional information or verification is needed, please do not hesitate to contact me at the new phone number listed above or via email. 

Enclosed are copies of my identification and a recent utility bill as proof of my new contact information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full in 2015 and is still being reported as an open account and I want it removed off my report immediately
Product: Checking or savings account

Per the settlement in place with Wells Fargo. Im reaching out as I had an account with them during the time frame from XXXX. 
I left this bank due to the fees charged and the way they handle their baking.
Product: Credit card

I have two accounts on my credit report from Montgomery ward and Swiss Colony. These accounts were opened at an address that I have know knowledge of. I have been at my current address over 15 years.
Product: Credit card or prepaid card

I applied for a Home Depot/Citibank credit card on XX/XX/19. Application Reference # XXXX. I have a credit score of XXXX and no debt. I just purchased a home and I was in the store to purchase a Fridge and blinds. I applied online and I was told to go to the store to have the store associate contact citibank. Citibank advised that I need to bring a credit card for identity verification. I went home and retrieved my XXXX XXXX   Shops credit card and returned to the store. At which point ; they requested another credit card for additional verification which I thought was ridiculous considering this was not advised before. They denied my application for reasons i can only assume was due to discrimination.I contacted all 3 credit bureaus and each representative stated that there is no reason why I be denied for credit. Please advise
Product: Debt collection

Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number.
Product: Bank account or service

Checking account with Bank of America was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Bank of America has tacked on numerous fees after I was unable to reach anyone at Bank of America to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately. 

attached is my passport and driver 's licenses. Thank you.
Product: Credit reporting or other personal consumer reports

I had a secured credit card that I put a deposit down for in the amount of {$200.00}. I paid my balance in full almost every month. I started getting behind on my bills and did not want to get to far behind so I closed the account in XX/XX/year>. The company called wanting payment and I asked them to send me a final itemized bill. I never got that. It went to a collection agency and when they called I asked for the original signed contract and the final itemized bill. The only information they provided was copies of my monthly bills from when I was in good standing with them. I called them to tell them that isn't what I wanted and that my {$200.00} deposit has not been applied to the balance. The balance is {$260.00}. Once my deposit is applied the balance will only be {$65.00}. A couple weeks later I received a notice from a new collection agency. So, I went through all this again still not getting the information I requested and my deposit still has not been applied to the balance. Once again I now have a new collection agency holding this debt. I have disputed this on my credit report with all XXXX agencies and I can not get any resolution. As soon as my deposit is applied I will pay it and that's that. I don't know what else to do to get them to apply the money I originally sent them in order to get the card. I don't know what else to do.
Product: Consumer Loan

Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date
Product: Bank account or service

I ask if the person at the front if she could help me with a problem that i was having with the atm machine, and she was very rude, she stated that she could not help me at all, that for me to call the XXXX number on my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; 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 or prepaid card

USAA CONFIRMS NO FRAUD SO WHY WHY WHY ALL REVERSALS OF CREDIT NOT PROVIDED?? See attatched USAA CONFIRMATION XX/XX/XXXX No Fraudulent Activity Found After Review of Your Claim. WHY ALL THE REVERALS OF CREDIT ( Security Adjustments ( OF ) in one month XX/XX/XXXX see attatched CREDIT REVERSALS TOTAL {$1.00}, XXXX ** USAA REVERSES MERCHANTS CREDITS THAT ARE NOT USAAs. NO Fraudulent Activity PRODUCED NO PERMANET USAA CREDITS TO REVERSE {$1.00}, XXXX in XX/XX/XXXX. ( These were MERCHANTS CREDITS REVERSED NOT USAAs. )
Product: Mortgage

My name is XXXX XXXX, JMAClending is my loan company. I have been having trouble with my mortgage payment getting higher every month without explanation .My mortgage payment for XX/XX/XXXX was XXXX Payment due on XX/XX/XXXX. XX/XX/XXXX XXXX payment due on XX/XX/XXXX.statement dated XX/XX/XXXX XXXX Due date XX/XX/XXXX. I do not understand why my payments are so XXXX  up. My phone # is XXXX or XXXX If you need copies of statements I can send them. Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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.
Product: Credit reporting or other personal consumer reports

I called Experian and made them aware of the of the inaccurate information and no one answered. I asked them to provide me with the verification of the information and i havent heard back from Experian.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Rooms to go to confirm the line of credit available on my card. I was informed my Synchrony account was closed in XX/XX/XXXX. I asked why I didn't receive any correspondence and was told due to inactivity that Synchrony didn't have to notify me. I was told I had more than enough time to make a purchase, because the last activity was XXXX. I explained to the manager I was transferred to, that I was saving for a home purchase, and bought my home in Fall XXXX. Then with the covid-pandemic I, like much of the world, didn't go out much due to social-distancing and quite frankly the unknown of my being able to keep my job/income. I would like to file a formal complaint, to let other consumers know this is Synchrony 's practice, and how they treat their clients. What I found most rude and unhelpful was when the manager said I had more than enough time to make a purchase, when in fact I would have appreciated something in the mail or via email from Synchrony to inform me that my account would be closed due to my non-use of the account. I was told these details were in my terms and conditions, which I understand. However, I consider the non-notification and scripts the representatives read as very unprofessional, and I simply want to let other consumers know, since I wasn't shown any courtesy from the actual creditor Synchrony Financial.