23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America has not determined my dispute fairly. They determined my claim based on the fact that it is easier to side with the merchant. Will not explain how they arrived at their decision and have ignored my close to XXXX pages of evidence I have submitted. Told me I can not refile my dispute ever again and will not speak to me without hanging up on me. Will not even take my complaint internally, told me no one will follow up. They also purposely give me phone numbers to XXXX to send me on a wild goose chase. They lied to me and told me that XXXX decided my dispute and that they did not. XXXX has told me this is a lie. They have purposely deceived me and will not listen to my evidence. They have called me a liar and ignored all my evidence yet rules in favor of the merchant, when they have submitted XXXX pages of evidence. Case # XXXX
Product: Debt or credit management

I have been called repeatedly, up to 10 times a day, by COMENITY BANK. I can not block the calls because they use different phone numbers each time.
Product: Mortgage

In XXXX I requested a loan assumption agreement for the estate of XXXX XXXX XXXX. In XXXX of XXXX I requested and received a copy of the fully executed loan assumption via email from roundpoint mortgage. XXXX of XXXX a customer service representative inform me that there was an overage on my account and that I should receive a check by mail and my name XXXX XXXX. However the check came in the name of the estate of XXXX XXXX XXXX. I called round Point mortgage and was transferred to the loan assumptions Department to a gentleman named XXXX. However after repeatedly contacting XXXX I never received a check in my name. XXXX told me that round Point mortgage made an error and did not upload or file the loan assumption documents he stated that he could clearly see that the loan was fully executed in XXXX of XXXX. I left a message for XXXX in XXXX letting him know I needed to speak to his supervisor he called me back and said that he would speak on my behalf I never heard from XXXX again. XX/XX/XXXX I contacted round point mortgage and spoke with XXXX XXXX in the loan assumption Department an email her a copy of the fully executed loan assumption agreement she said that she would email others to research the issue. I still have not received the check of the overage in my name nor have I heard from Roundpoint Mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, XXXX : Account Number : XXXX : Balance : {$3300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loans in Mohela have been in forebearance for the save plan accruing no interest. On XXXXXXXX XXXX XXXX I received a letter from Mohela that interest would still acrrue. This contradicts what the federal government and studentaid.com says about the SAVE forebearance. 
Today, XXXX XXXX my loans have all increased and have had interest added. I believe this interest amount is equal to the interest I should've been charged while in forebearance. I should not be back charged for this interest and have tried to get in contact with Mohela but no one has been available on their phones. 
My loan info that is correct on the student aid website is listed below.

Loan Balance Current Interest 1 {$3400.00} {$0.00} 2 {$1100.00} {$0.00} 3 {$4400.00} {$15.00} 4 {$2000.00} {$41.00} 5 {$5500.00} {$60.00} 6 {$2000.00} {$29.00} 7 {$5500.00} {$59.00} 8 {$2000.00} {$26.00} {$26000.00} {$230.00} The info listed on Mohela which is incorrect is below Loan Balance Current Interest 1 {$3500.00} {$87.00} 2 {$1100.00} {$0.00} 3 {$4500.00} {$100.00} 4 {$2000.00} {$71.00} 5 {$5500.00} {$120.00} 6 {$2000.00} {$44.00} 7 {$5500.00} {$71.00} 8 {$2000.00} {$25.00} {$26000.00} {$520.00}
Product: Student loan

I tried to make a payment to my Federal Student loan through my loan service Nelnet. I tried to make payments on three different occasions : XX/XX/, XX/XX/, and XX/XX/. All three times my payment was returned becasue, according to Nelnet, the " payment could not be processed by your financial institution. '' I called my banks ( I used two separate accounts at two separate institutions to try to make the payments ) and neither one of them had received a request for payment from Nelnet. 

I tried to call Nelnet to handle the situation on XX/XX/XXXX and XX/XX/XXXX. I was not able to reach a customer service representative after 3 hours of hold time. I also emailed them on XX/XX/XXXX and received an automated message stating that Nelnet was not able to answer my email. 

I am concerned this will lead to late fees. Hoping the CFPB can help resolve the issue.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Im XXXX XXXX writing to request a new fraud alert be placed on my credit report. My previous fraud alert has expired, and I want to reestablish this protection. Can you please confirm my identity and verify I am who I say I am before setting up the new alert? 

My identification details see attached : Drivers License and SSN Id like the fraud alert to remain in place for extended length of time ans would appreciate a confirmation number or unique identifier for the alert once activated.

I am requesting this fraud alert due to concerns over potential identity theft and misuse of my personal information. I would like to ensure that creditors and lenders verify my identify before extending credit in my name. I hereby authorize XXXX to contact me at the following phone numbers in connection with this fraud alert : Cell number XXXX Landline number XXXX Please activate this fraud alert immediately and notify me once completed. 

Thank you for your assistance in helping to protect my credit information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XXXX XXXX did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports that my Capital One Auto Finance account is open ( XX/XX/XXXX ). This is false ; this account has been closed since XX/XX/XXXX. Furthermore, the charge is paid in full ; I have my title and paid-in-full letter from capital one auto finance. Moreover, I have disputed this XXXX times and called the car company about this issue to no avail. I need this resolved because I wish to buy a home and I can not because my XXXX score has dropped XXXX points because of their careless reporting. 

I called Capital One Auto Finance, on XX/XX/XXXX and let them know I will be reporting them to cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** THIS ACCOUNT IS CLOSED XXXX** RE : XXXX XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I Transunion is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to Transunion actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with Transunion who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and Transunion still shows this as being actively reported when it is closed and paid.
Product: Mortgage

Ditech received a complete loss mitigation application on XX/XX/2018. Ditech reviewed the loan for a modification and the request was denied. The enclosed loss mitigation denial letter was sent to our attorney on XX/XX/2018. Ditech apologizes for any inconvenience or confusion you have experienced as a result of this issue. In a further effort to assist you, Ditech submitted a request to the investor for an exception to approve the modification, but the investor denied the request. 

The investor is XXXX XXXX. 

We asked to get on a repayment plan that XXXX XXXX  offers on " Know Your Options ''. What is a Repayment Plan? With this option, you spread out your past due amount added on to your current mortgage paymentsover several months in order to bring your mortgage current. A Repayment Plan may be an option if : You are ineligible or dont want to refinance You are facing a short-term hardship You are a couple ( or several months ) behind on your mortgage payments You can now afford your monthly mortgage payment Ditech stated we can't apply for a repayment plan. 

It appears Ditech and XXXX XXXX are not trying to work with us on our mortgage. There are several options to help homeowners however we've been denied on the services that are offer.
Product: Debt collection

I am writing to dispute an error on my credit report related to my account with XXXX. Due to an accounting error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with XXXX, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Name\ [ Experian, Equifax, or TransUnion ] \ [ Credit Bureau Address ] \ [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. I recently obtained a copy of my credit report from your bureau, and I noticed the following incorrect information : **Disputed Item Details : ** Account info Account name XXXX XXXX XXXX Account number XXXX \ {$3000.00} Highest balance \ {$2000.00} XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XXXX XXXX XXXX petition Date filed XX/XX/XXXX Date resolved \- Responsibility Individual Reference number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual XXXX number XXXX XXXX XXXX XXXX dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX XXXX discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On record until XX/XX/XXXX XXXX XXXX XXXX dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX \- XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Error Description : [ Describe the error, such as incorrect balance, payment history, account status, or fraudulent account ] This information is inaccurate because [ explain the reason for dispute, e.g., " I have never had an account with this creditor, '' " The account was paid in full, '' " This account was opened fraudulently without my authorization '' ]. 

I have attached supporting documents to verify my claim, including [ list any documents, such as payment records, identity theft reports, court documents, correspondence with the creditor ]. 

I request that you investigate this matter and correct or remove the inaccurate information from my credit report as soon as possible, per the Fair Credit Reporting Act ( FCRA ). Please provide me with a written response confirming the results of your investigation. 

Thank you for your prompt attention to this matter. Please feel free to contact me at the phone number or email provided above if further information is required. 

Sin
Product: Debt or credit management

I contacted XXXX XXXX XXXX for credit consolidation XX/XX/year>. I contracted with them to consolidate my credit and help to pay off all debt. They started taking payments of twice a month. I continued to receive calls from the creditors requesting payment. I advised I had started a credit consolidation with XXXX XXXX XXXX, I was told by all creditors that they have not received any letter or statement showing I was being represented by XXXX XXXX XXXX XXXX XXXX XXXX As of today no correspondence has been sent to any creditors and I am still being chaged interest on the amounts owed due to XXXX XXXX XXXX not doing what they were contracted to do. They did however take 40 % of the money taken in fees. Fees are for work done and there was not any done with my account. I am now in more debt due to the interest charges that were not handled.
Product: Credit reporting or other personal consumer reports

XXXX/XXXX/1014 time : XXXX XXXX to XXXX XXXX PST. I am trying to get a temporary credit freeze lift from Experian. I have done this before ( although it was difficult and took hours because I am not able to log in using the information Experian and I have both agreed are my log in credentials ) by telephone. Now they never refer me to an agent, and only give me the option of mailing in a letter with documentation for a temporary credit freeze. I understand this process for a permanent lift, but according to your website, they must give a temporary lift of credit freeze when they are asked via telephone. This is an official complaint. Now I will be homeless until they receive and respond to my letter, as I have to wait until my credit is approved for a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MULTIPLE Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

PNC Bank taking out {$50.00} per month from accounts and saying bank errors?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Is showing this is a negative account and this account doesnt belong to me and XXXX has closed it but Trans Union still showing as a negative account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had credit card through XXXX XXXX XXXX. account was closed and reported to credit bureau 's before I could make a minimum payment. Account opened on XXXX from what I recall.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Failed to ACH my Bank Account timely, Every time I Dispute, XXXX XXXX response with a generic letter, that they verified that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX Payments were late, XXXX XXXX never provides those statement. These were due to suspicious activity and fraud activity on the account and consumer is not responsible for XXXX XXXX security failure or the bank failure to timely credit the account when the money was readily available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reported on my XXXX, Equifax, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and Equifax in error. I have also disputed with XXXX and Equifax with no results. Please remove these incorrect items.
Product: Credit reporting or other personal consumer reports

I have been sending lettrs to all three credit bureaus about accounts that are not valid and that i need removed immediately if they can not validate the accounts within 15 days they keep coming back verified but that is a lie
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding Global Lending Services LLC, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with Global Lending Services LLC, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and XXXX letter by U.SXXXX mail dated XX/XX/2022 which was my last letter to Global Lending Services LLC. 
I emailed them information XX/XX/2022, after speaking with XXXX of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with Global Lending Services LLC. I received XXXX letters from Global Lending Services LLC, both dated XX/XX/2022, XXXX months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

Global Lending Services LLC has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer Global Lending Services LLC is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.
Product: Student loan

In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.