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

I am a consumer residing in Oregon, and I have been experiencing significant issues with my credit reports due to negligence by Equifax, XXXX, and XXXX. Here is a detailed timeline of events : - In XXXX XXXX, I legally changed my name and gender marker and updated my Social Security card and drivers license to reflect this change. Although this updated information should have been reflected in my credit files when the bureaus accessed SSA data, they failed to consolidate or update my credit history accurately. 
- Instead of linking my existing credit history to my updated personal information, the credit bureaus created a new, incomplete credit report, effectively severing my financial history from my new identity. 
- On XX/XX/XXXX, I filed a dispute with XXXX to correct inaccuracies in my credit report. Their system promised a resolution within 30 days, but as of XX/XX/XXXX, XXXX XXXX months laterthis dispute remains unresolved. 
XXXX system has repeatedly crashed when I attempted to access my credit report, making it impossible to verify or dispute inaccuracies. This system failure has exacerbated the harm caused by their negligence. 
- Due to these unresolved issues, I have faced multiple adverse financial actions, including : - Higher interest rates and loan denials caused by incomplete credit information. 
- Stressful and near-denied housing applications in late XX/XX/XXXX due to inconsistencies in my credit files. 

These errors have caused financial harm, emotional distress, and ongoing obstacles in managing my credit.
Product: Student loan

Filled out forgiveness application in XX/XX/2022. Have not been able to receive forgiveness on student loan for government employment. This is ridiculous
Product: Debt collection

I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. 
According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure.

Thank you
Product: Payday loan, title loan, or personal loan

I started this loan on XX/XX/2019. I financed XXXX I have made 15 payments of XXXX totaling XXXX and my loan balance is XXXX, equaling XXXX of my principle paid. My interest rate is 98.98 % I will never pay off my balance at this rate, we are talking about 65 payments of XXXX totaling XXXX. For the consumer looking for a small personal loan, this is outstanding and incredibly insane. How can this be legal? This is getting people in trouble financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX XXXX  XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/XXXX, Bank of America advised me that it would freeze my account if I did not renew my legal residence information in the United States. I provided them with all the documentation I could, but given the six-month delay between the period in which my temporary resident card expired and the date they finally granted me the definitive one, they have frozen it. Six months later, in XXXX, I renewed my residency. I was able to continue receiving their services. 

In XX/XX/XXXX, I was trying to apply for a loan while changing jobs. In the process, I received a call that was set up as if it were from the Bank of American itself. It was for an account check to make the credit deposit. 

The call was fraudulent, but almost all my details were known, therefore, I believed them. By believing them, I gave my security number to the person who I believed was from Bank of America. It turns out that it was a fraudulent action that I was a victim of. As a result of something that I did not do, Bank of America opened an investigation. Only two things were communicated to me from that investigation in two different letters. In the first letter they communicated that they were opening the investigation and that they told me that it would be inoperative in the meantime, that there was nothing I could do with the account. In the second letter, they communicated that they were closing the investigation and that my account was going to be closed. Subsequently, I did not receive any more letters or responses. When calling the numbers provided in the letter, they only told me that they could not give me more information. 

I personally went to the office closest to my work. There they told me that I owed XXXX dollars ( approximately ) on my credit card. They never told me what to do when I closed my account. However, they did report to the credit bureaus that they closed my account and used the word CLOSED in the XXXX  report. In the XXXX  report they detailed this> Maximum Delinquency of 30 days in XX/XX/XXXX for {$58.00} < It was my only bank account Consequently, I had to open another account at another bank. But the consequences were terrible for everything else because if a checking bank account, I lost the way to pay for the car, I lost many job opportunities, I lost the way to hold my credit cards. If you look at my credit history you will see that I am a XXXX XXXX. I have a large bill to pay and I want to pay and thanks to this series of events, I have fair credit. I think it is not fair for me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!
Product: Checking or savings account

On XX/XX/20, I noticed fraud on my debit card. Two XXXX of {$1000.00}, {$1000.00} and two XXXX XXXX charges of {$1000.00} and {$2000.00}, and two deposited checks. I filed a police report and an identify theft report with the FTC. Both of those were sent to the bank. We called on XX/XX/20 to report the fraudulent activity and submitted a fraud dispute on XX/XX/20 in person at the local XXXX  branch in XXXX, PA. My bank, M & T has issued refunds to my account for the two deposits ( {$20.00} reissued for each fraud check deposited ) and two XXXX transactions of {$1000.00} and another {$1000.00} dollars. However, this was first done to my mom 's joint account not the account in question. We were never notified by the bank. We had to contact the local bank branch manager in XXXX, PA last week on XX/XX/20 and tell them the money was issued to the wrong account and then they move it to the correct one. However, we never received any statement saying this. Then, we waited 12 days until we heard again from a fraud worker with the bank. The fraud worker was focused on deposits. He kept saying I must have deposited the checks based on my phone number. I absolutely did not do this. He had no information for me about the XXXX XXXX  fraud. We are currently disputing the XXXX XXXX  charges on the account for reimbursement and they had no information for us about those charges. Also nothing has been sent to us in writing. Again, it has been over the 10 day requirement. 

Here are the overaching concerns : 1. We notified the bank of fraud activity when the XXXX XXXX charges were pending on XX/XX/20. We asked the bank to STOP pay on these since we did not authorize them. They did not. They let these charges go through. 
2. M & T charged us insufficient fund fees based on these charges that made the account negative during the ongoing investigation. During this entire investigation, they kept trying to charge us insufficient fund fees even though federal law states this is illegal.

3. M & T has not provided us with any written communication about their investigation. We have been kept in the dark. 

We do not feel safe as consumers and members of this bank. They are not following federal laws that protect consumers and they are not following required guidelines for fraud investigation. We ask that the CFPB holds M & T bank accountable for not following the required timeline for handling this fraud case and not keeping consumers safe when they report fraud. Again, we reported the XXXX XXXX  fraud before the transactions when through and they did not stop this fraudulent activity from occurring.
Product: Credit reporting or other personal consumer reports

All student loans have been removed permanently for the credit bureaus due to permanent XXXX. However, recently, all loans from XXXX aka XXXX has shown up on all of the credit bureaus. The loans were disputed as removed but the dispute came back as accurate information and that is entirely incorrect.
Product: Debt collection

On XX/XX/2019 I received a letter from Viking Billing Services indicating that I was being billed for damages to a car rented from XXXX XXXX. The letter indicates the date of loss was XX/XX/2019. I did not have a rental car on this date. Somehow, they also got my XXXX year old Mother 's phone number ( who lives in a completely different state ) and have been leaving messages for her indicating that they are trying to reach me. 
I called XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative by the name of XXXX who instructed me to disregard the letter from Viking as he could not find anything in my file that indicated that any damages were noted in my record for any vehicles for any rental periods in which I did business with XXXX XXXX XXXX. 
On XX/XX/XXXX, I spoke directly with Viking. I was told that despite the fact that the information on the letter I received was not accurate, I was still accountable for the charges because they believed that the car I rented during the previous week " might have been '' the actual rental period/ date that the alleged damages occurred. Since I was involved in no accident and did not have any damages to any rental car I rented, I asked that further information be sent to me regarding the specifics of the actual date of alleged incident, pictures of the damage, and cost estimates for repairs to the rental vehicle in question. The representative from Viking indicated that he would promptly mail these details to my home address. 
After nearly 4 weeks of hearing nothing from Viking, I sent the attached letter to Viking via certified mail indicating that I considered this matter closed. They responded with an additional letter ( attached ) indicating that they are still awaiting payment. I still have not received any details about the alleged damage to a rental car, the date that the damage was discovered, or any estimates on the cost of the alleged damage. 
Please help. I can't understand how a company like this can harass someone to pay for damages for which 1 ) I was not responsible, 2 ) indicates damages occurred on a day that I didn't even have a rental car, 3 ) the car rental agency itself confirmed there was no record of damage to any vehicle I turned in and 4 ) Viking has been unable to produce an evidence of damage or cost estimates to substantiate their claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit card

On XX/XX/2023 I discovered that my Direct Express card, which is a company that works with The United States Social security program, had only {$6.00} left on it.i never allow the card to go under a certain amount and was shocked that the card had a very low balance. I called Direct Express immediately and was helped by a very professional customer service rep.representative. We went over all of the transactions one by one and discovered that all were made online and from another state. I have never used this card in a careless manner, because I am the representative payee for my elderly patient. We always used the card for ongoing medical supplies and services and for grocery shopping. We had a pattern every month of how that card was specifically used and all of these fraudulent charges were just not our pattern. I was told that I would be receiving a questionnaire in the mail and that I should answer it and send it back in ten days. I did everything I was asked to do. I also later found additional charges from the month before after I went on the website to look at all of the transactions. I was told to open a new case for the additional charges which added up to {$140.00}. I received a letter saying that a provisional credit in the amount of {$140.00} was issued back to me on XX/XX/2023. I called direct express several times to try and get more information about my first claimed dispute and was finally told that that was denied and closed. I was shocked and angered. I had been trying to get to a supervisor and everytime I was hung up on. It was a very easy case to prove that these were fraudulent charges and Direct express just did not want to pay back the {$1100.00} that was stolen. I am told that I can not appeal this decision and that there is nothing I can do. This is an outrageous statement. I have called the Social Security department and they seem to know about multiple complaints about this Direct Express Company and how it treats its customers. I was also informed that Social Security only distributes the monies and once its in the hands of Direct Express, The can do nothing else. I believe its the people who are working for this company, who are stealing peoples Social Security benefits. I have never had such a bad time trying to get answers for a decision like I have dealing with this company. I have canceled all future payments to Direct Express from Social Security. A company that will only pay out small fraud cases but not go after the big cases is suspect to me. It makes them look like they are backing up their consumer protection numbers, when they are really only choosing the small numbers to take care of. I have a XXXX year old bedbound woman that has only {$1000.00} a month to live on and I have to beg a company, who is obviously trusted to pay back very obvious fraudulent transactions. Please let me know if you need anymore information. I have also reported this info to the FTC. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Credit card or prepaid card

XX/XX/2021 {$9600.00} After so much wait, my California XXXX XXXX XXXX got delivered but I can't get in. 
EACH TIME I TRIED TO ACTIVATE IT KEEPS SAYING WRONG SECURITY INFORMATION. 
I was at the Bank Of America with two forms of ID 's and got verified, they told me it will be resolved in a few minute but till now I can't access into my card. 
I have bills pending.
Product: Checking or savings account

I originally filed a complaint against Skrill.com in the past, and my problem was partially resolved allowing me to use my PC for it only. Today, my Skrill account was randomly closed, I believe it was closed in retaliation for my original CFPB complaint. I do not wish to contact their support as they are next to useless, and only higher level reps seem to be able to do anything.
Product: Credit card

After reporting that the Home Depot credit card charge of {$XXXX} was neither mine nor authorize by me, they cancelled the card and sent a new one. Their fraud department began an investigation. They requested that I make a police report and send a copy of my driver 's License. I included in addition to the Police Report and Driver 's license, a copy of my work schedule and work Time Card showing that I was schedule to work on XX/XX/year> from XXXX to XXXX. The fraudulent charge occurred at XXXX XXXX XXXX XXXX XXXX store in The XXXX at XXXX and I work in XXXX and was at work until XXXX. I sent information they requested to the address they gave me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I sent this with the XXXX XXXX mail with Tracking XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> at XXXX XXXX XXXX and again I sent them a fax message through the fax number they gave me at XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX Eastern Time. 
On XX/XX/XXXX I received a letter from them saying they have determined that the transactions were mine. they reach this conclusion without considering any of the information I sent them. Additional supporting evidence available on request including a XXXX XXXX receipt bearing some else 's name, telephone number and address and address. 
I found out on Monday XX/XX/year> from XXXX of their associate that no information was ever received from me. they reach a conclusion without considering my side of the issue and I have evidence of providing them with more than the information they requested from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, I complained to CFPB about Experian NOT properly updating my debt report. Experian claimed they were at fault and raised my Fico score to XXXX on XX/XX/2019. Then 5 days later XX/XX/XXXX, they did an update and my debt report was at {$360.00}, ( {$250.00} XXXX XXXX and {$110.00} XXXX XXXX ), new balance which is 7 % credit utilization. Credit bureau like to see 6 % and under. Experian dropped my Fico score by 2 points. On XX/XX/2019 debt report, Experian DID NOT properly update my debt report. My info I received from XXXX XXXX and XXXX XXXX is {$86.00}, THE COMBINED NEW BALANCE for XXXX, which is 1 % credit utilization. They still used FEBRUARY`S XXXX XXXX of {$250.00} and {$13.00} XXXX XXXX. Experian did get XXXX XXXX correct but NOT XXXX/XXXX. balance, which equals a total of {$260.00} which a WRONG TOTAL for XXXX. I expected my Fico score to go up for my hard work on keeping a small balance of {$86.00}. My XX/XX/2019 DEBT REPORT with info I received from XXXX and XXXX/XXXX  is {$190.00} which is 3 % credit utilization. THEY STILL USED FROM XXXX XXXX/XXXX  {$250.00} OLD BALANCE. Now this is 2 months in a row Experian DID NOT properly update my debt report and I am way below the 6 % they like to see. I saw this error back in XX/XX/2019 but I gave Experian the opportunity to fix this but they FAILED, AGAIN. I tried to do an on line dispute with Experian but it seems like anybody is allowed 1 time dispute for a lifetime which this is why I am contacting CFPB. Experian management is NOT doing their job doing properly training of their people. All this is, that nobody is NOT PAYING ATTENTION TO THEIR WORK, which is resulting in debt report ERRORS. Experian did report ERRORS on me ( retired senior citizen ) 3 out of 4 months for the year of 2019. This is extremely unacceptable.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought two computers from XXXX. On XX/XX/XXXX, the computer arrived. However, one of them is different from what I ordered. 

Then I returned the one to XXXX. To my surprise, XXXX deducted a restock fee of {$230.00}. I contacted XXXX, who refused to refund the restock fee despite acknowledging that they sent me a different product vs what I ordered. 

On XX/XX/XXXX, I called Capital One to inform them of starting a " claims and defenses '' dispute with the XXXX charge with {$230.00} as the dispute amount. 

On XX/XX/XXXX, I noticed that Capital One provided me a credit of {$2500.00} ( which is the full purchase amount ). I called Capital One to let them know of the issue and they fixed it by charging me {$2500.00} and giving a credit of {$230.00}. 

On XX/XX/XXXX, Capital One gave me a notice that they are siding with XXXX because XXXX return policy states that restock fee applies unless the return is due to defective product or other HP.com errors. Capital One then proceeded to charge me {$2500.00}, credit me {$2500.00}, charge me {$230.00} and charge me {$250.00}. 

On XX/XX/XXXX, I give my response to the case saying that it is XXXX 's error that they sent me the wrong product, and this kind of deceptive practices are against the law. 

On XX/XX/XXXX, Capital One sent me notice that they can't help me and the case is closed. I called XXXX three times to correct the overbilling of {$250.00} they did in the process.
Product: Credit reporting or other personal consumer reports

I have found errors on my credit report that seem to contradict 15 USC 16c-2. This inaccurate information is harming my credit standing.
Product: Mortgage

My husband passed away XXXX XXXX, 2014. 

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.