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

On XX/XX/2022, when I came to [ XXXXXXXX XXXX XXXXXXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXXXXXX XXXX XXXXXXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX XXXXXXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX XXXXXXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and Equifax is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.
Product: Payday loan, title loan, or personal loan

I opened a joint account with my under age son around XX/XX/XXXX when he was about XXXX. The account stayed in both our names until a couple of months ago but once he was no longer under age the account was his. He had direct deposit and paid his bills from that account. He married and still kept the account and wouldn't go to the bank with me to close it. I was told at the time the two of us had to be present to close the account. 

In XX/XX/XXXX I entered the BB & T bank in XXXX XXXX Virginia for a financial transaction. During that transaction I was told my son was bouncing checks and he had to pay every time once bounced. I was told there was a check protection program. 

I was told that I could purchase a service were the bank would cover the amount of the bounced check and once my son deposited additional funds the amount of the bounced check would be deducted from those funds. I said I would like to purchase this service. 

Since he is now in is thirties and married I considered the account as his private account so I didn't open any mail from BB & T that had his name on it so I didn't see any information about the account. 

A couple of months ago I found out that since I was the primary account holder I alone could close the account so I did. Since then I've been getting pass due notices on a loan. 

I called the collection agency and the informed me that I did not purchase a check protection program. What I signed up for was an {$800.00} loan with an 18 % interest rate and a minimum payment of {$16.00}. Also they checked my credit rating to issue this loan. 

The words loan, credit rating check, {$800.00}, 18 % interest and {$16.00} never were said to me. I am in shock that the woman I spoke with would tell me one thing then without my knowledge opened a loan in my name. 

I was told the bounced checks would be covered by the loan they issues me and not temporarily covered by them until my son deposited more money. I never would have agreed to pay for his bounced checks at a rate of 18 %. 

I don't know if the woman didn't know what the program was really about or if this is a type of scam but there is no way I would agree to this. 

I called last week and was told someone would get in touch with me by today. No one did. I called again and was told someone would get in touch with me. I haven't heard from anyone. 

Please look into this for me. Thank-you
Product: Credit card or prepaid card

On XX/XX/2022 I had 4 fraudulent charges to my Coinbase Card in the amount of {$500.00} each all within 2 minutes from a XXXX XXXX that I have never heard of or interacted with. I contacted Coinbase Support by phone immediately to dispute the charges. I was told I would receive an email within 10 days from the chargeback team. I never received an email or follow up and it has now been over 70 days. I contacted support several times to follow up and was told to reply to an email from the chargeback team that I never received. I'm then told I will receive an email when the investigation is complete. I have received no email or correspondence in over 70 days. There is no way to check on disputed charges and support is not helpful with a resolution.
Product: Checking or savings account

First bank of america close my account because supposedly it was a fraud which to me it was no fraud. I got the XXXX this XX/XX/XXXX and I haven't received. I have my daughter that is XXXX and I don't have money to pay the rent and either for food. They have been telling me to go to the branch and pick up the funds and when I arrive they say no. They have been like this since the XXXX of XXXX. On Friday someone told me to go to get the funds I couldn't go that day. I told them I was going on Saturday and they said the same thing they can't give it to me it's on bank of america. The amount of my funds is {$1300.00} And every time I go I take my daughter and is very hot to take her out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute certain items on my credit report as required by the Fair Credit Reporting Act ( FCRA ). My request is made under the provisions of 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ), which govern the responsibilities of consumer reporting agencies in investigating and correcting inaccurate information. 

Upon reviewing my credit report, I found inaccuracies that I believe require your immediate attention. Specifically, I dispute the following accounts : 1. One specific inaccuracy identified in the credit report pertains to the *Account Status* for the account with XXXX XXXXXXXX XXXX XXXX*. The report lists that there are XXXX late payments** and states that the account is **Closed** with a ** {$150.00} past due amount as of XXXX XXXX. 

Additionally, the *Past Due Amount* being represented as closed when it indicates a balance due is contradictory and may suggest reporting inaccuracies.

For factual disputation, one could argue that the information about the account being closed while showing a past due amount may violate reporting standards and merit correction.

2. XXXX XXXXXXXX XXXX* : XXXX potentially negative months, account charged off with a balance of {$350.00}. 

2. **XXXX XXXX XXXX* : XXXX late payments, account closed and marked as paid. 

3. *XXXX** : Status indicates it was accounted as charged off with a balance written off {$10000.00}. 

4. XXXX XXXX XXXX XXXX XXXX Collection account with a balance of {$16000.00}.

5. **Department of XXXX** : Noted with XXXX late payments and a balance of {$340.00}. 

These entries highlight various issues including late payments and charged-off accounts, which could impact my credit score negatively.

According to 15 USC 1681i ( a ) ( 1 ), I have the right to dispute the accuracy of information in my credit report. Additionally, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), Experian is obligated to conduct a reasonable investigation of my dispute. Furthermore, as outlined in 15 USC 1681i ( a ) ( 5 ) ( B ), any information that has been reinserted into my credit file after being previously deleted must be properly verified before being reported again. 

I request that you conduct a thorough investigation of the disputed accounts, provide me with the results of your investigation, and correct any inaccuracies found. Please ensure that the investigation is completed within the legally mandated time frame of XXXX days. 

Enclosed with this letter are copies of relevant documents that support my claim. Please contact me at the above address or via email should you require any further information to facilitate your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a supposed patio set from someone on XXXX using XXXX on XX/XX/2022. The person used a fake profile under the name of XXXX XXXX. Offered patio furniture at a house that wasnt theirs. I asked for the money back and they blocked me and declined my request. Same scam used in XXXX. Contacted the police, FBI, XXXX, and my bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Product: Credit card

I believe the account is invalid. VYSTAR CU ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VYSTAR CU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX  Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months, I have attempted to access my TransUnion credit score via the XXXX XXXX service offered to XXXX customers and via TransUnion.com However, I have been unable to access my information. I have contacted TransUnion and XXXX about this several times to no avail. My last communication with TransUnion on the matter ended with the phone agent telling me that I can not get a credit report from TransUnion because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called TransUnion 7 times and XXXX once on this matter already. 



Furthermore, recently I applied for a new XXXX credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that XXXX can not properly obtain my credit report information from TransUnion ( XXXX uses TransUnion ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of XXXX reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe TransUnion is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.
Product: Debt collection

Adp says that i owe them money. I called to try to take care of the issue but they wont access my account without information i dontnhave access to. I repeatedly transferred to the customer service department. I asked ti speak to a manager and wqs transferred to the wrong department multiple times. I dont have time fkr this. This company needs to get their act together
Product: Debt collection

I changed my phone plan over a year ago to XXXX from XXXX. I had asked multiple times to make sure all bills were paid. 
XXXX never sent me a bill or a certified letter showing that I owed {$420.00} or why I owed {$420.00}. Recently I had been getting texts from phone number ( XXXX ) XXXX the company was MRS BPO LLC. Since I had never recovered a letter I wrote it off as just another fraud text message and deleted it. Now I see my credit score has taken a hit down to the XXXX. Ive been above XXXX since XXXX and above XXXX going back a year. I feel the companies inability or unwillingness to send me a letter is a predatory practice to collect fees from me.
Product: Debt collection

Calling a place of business repeatly after bring asked not to call a place of business to locate the debtor. Calls occurred XXXX XXXX XXXX and again XXXX XXXX, XXXX. 
Company is Express Recovery Services, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX https : //www.expressrecovery.com
Product: Mortgage

I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.
Product: Student loan

I submitted an application for in-school deferral on XX/XX/XXXX. As of XX/XX/XXXX there has been no action taken on this application, despite their website advertising that applications are reviewed between XXXX business days. 

I have contacted Nelnet multiple times via email and spoke with XXXX Account Managers and multiple call center representatives to request updates on my application status. I have only received automated responses from the email and over the phone I am only told that I will have to wait for my application to be reviewed and that " the team is just backed up on applications. '' When I asked for a timeframe on when I can expect an answer, they were unable to provide XXXX. This is unacceptable. 

I asked to escalate the matter and was told " it wouldn't make a difference with the processing team. '' The Account XXXX pulled up my application while I was on the phone and told me it looked fine and would likely be approved. I asked him why he couldn't just approve it and he told me the processing team needed to do that. It seems inefficient for Account Managers to take escalation calls if they can not intervene in routine situations like this. 

When I asked if he could contact the processing team directly, I was told that wouldn't make a difference either and that they would only expedite my case if there is a " negative consequence '' caused by the wait time. Meanwhile, my account continues to accrue interest ( no interest will be accrued once the deferral is approved ) and I had to ask to be placed on temporary forbearance while the application is reviewed or I would have been overdue. When I explained that I would have been overdue on payments ( XXXX of the examples of negative consequences he provided ) if I had not asked to be put on forbearance, he tried to backtrack and told me they could have expedited it if I hadn't asked to be put on forbearance. 

At this point, Nelnet 's behavior feels dishonest as it directly benefits them to delay the approval process as much as possible because I will continue to accrue interest on my account for every day they delay. This feels predatory, especially because borrowers do not get to choose their student loan servicer, so I do not have a way to advocate for myself or rectify this situation. 

Furthermore, Nelnet should be appropriately staffed at this point and should not use " being backed up '' as an excuse for long processing times. Payments resumed in XX/XX/XXXX, and a company contracted with the federal government should be held to a high standard and expected to staff accordingly. They know how many borrowers they are servicing, so there is no excuse to be unable to handle the volume of applications for XXXX plans, deferrals, etc. ( especially in a time of high inflation and COL ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX and Trans Union regarding account # XXXX comenity bank/vctrssec on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.
Product: Mortgage

I have attempted to make payments validly more than 30 times over the past month. BMO Bank has canceled almost all of them, even though they were valid. I have attempted to call them 10 different times and have spoken to about 20 different people to try to resolve the matter.

They have claimed a problem with their computer system, and then they claimed I need to update my computer and application, but none of those things are valid. Everything is up-to-date.

They still have not provided any resolution in our continuing to charge me interest, because I can not put the payment through any other way without paying them fees. The other methods they have provided to make a payment require me to pay additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a rental application and paid a fee to cover the background report and credit report. I downloaded a copy of the entire report and was shocked beyond belief. Transunion provided consumer report to the real estate company. In the background section, there were several criminal acts attached to my social security number but listed similar though not the same name as myself. These were serious crimes, none of which I committed! I don't know if someone has hacked into Transunion and attached these false reports to my social security number or if this was simply an error by Transunion and there own reporting software. In either case, massive error in reporting can be devastating for find employment or obtaining housing. This matter must be investigated immediately. I have a copy of the report and will gladly submit for review. This is very dangerous and aggregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX 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

Mohela transitioned my account to their new platform in XXXX. When doing this, they did not transfer over my payments totaling about $ XXXX. This resulted in an increased loan balance back to the original amount, a hit to my credit score, and interest added to my balance as if I hadn't been making my payments. After calling, they said to wait XXXX days and that they could see my payments on their old system. After further communication, they tell me to wait. It's been well past XXXX days and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there were fraudulent accounts being reported to my credit report earlier in 2019. I disputed the accounts and eventually most came off but there are still fraudulent accounts being reported. These accounts need to be removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two paid accounts through : WELLS FARGO DEALER SVCS XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX 1 ) Closed XX/XX/XXXX- Remarks Payment after charge off/collection Settled - less than full balance- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid. 

2 ) Closed XX/XX/XXXX- Remarks Payment after Repossession Paid repossession- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid.