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

Equifax refuses to report my XXXX XXXX  credit card to my consumer report which will give me a POSITIVE history. XXXX XXXX XXXX reports it but Equifax will not report this positive history. XXXX has sent Equifax an off cycle report on numerous occasions and they still refuse to update my positive information.
Product: Mortgage

This complaint involves Select Portfolio Servicing ( SPS ) attempting to collect a debt that they do not have any financial or legal interest to do so. Further, SPS again failed to respond to the specific request for information submitted through the CFPB complaint portal. I received a letter from SPS dated XXXX XXXX, XXXX, which claimed SPS was " a servicer for the registered shareholders of XXXX XXXX XXXX, Mortgage Pass-Through Certificates ''. According to the SEC, there are no shareholders as of XXXX because the trust was dissolved/terminated, according to their records. SPS has failed to prove XXXX XXXX XXXX, Mortgage Pass-Through Certificates still exists and provide information about the registered shareholders of the trust they represent. Further, when I contacted the former Trustee of XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX Bank, I was told they have no interest in XXXX XXXX XXXX, Mortgage Pass-Through Certificates and that those certificates were terminated in XXXX. My specific request of SPS is the following : 1. XXXX XXXX XXXX XXXX, Mortgage XXXX Certificates exists. 
2. Prove there are shareholders to XXXX XXXX XXXX, Mortgage XXXX Certificates that you represent 3. XXXX XXXX Bank is the Trustee. 
4. SPS counsel sign an affidavit stating they have examined all documents submitted to XXXX XXXX County Recorder 's Office and certify there is NO fraud. 
5. Document the individual person ( name, title, contact info ) whom SPS has spoken/met with who has direct knowledge of the facts of the alleged loan you are attempting to collect by foreclosing on my home. Also, provide the date, time and evidence the conversation ( s ) occurred. NOT A COMPUTER PRINTOUT OR A COPY OF A DOCUMENT FILED WITH THE COUNTY RECORDER 'S OFFICE. 
6. Provide verification that the person who signed any documents provided to the XXXX XXXX County Recorder 's Office involving my home worked for the company they purport to represent on the document.
Product: Debt collection

This account don't belong to me, I am a victim of identity theft. Everytime I dispute this fraudulent account, the company removes it and adds it 30 day later.
Product: Credit card or prepaid card

I receive earnings to the XXXX XXXX XXXX and the card has been listed as expired preventing the use of the card without notice and I am unable to get information on how to access funds or speak with proper support about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/2023, my shared ally bank account was charged XXXX  times that were all fraudulent. XXXX  transactions on XX/XX/XXXX we're all to XXXX XXXX accounts and we have never utilized XXXX XXXX. We received a call from ally regarding these transactions, were asked if they are fraud, and confirmed. They didn't imply we needed any further action on our part, and that our funds would be provided back when they were posted. We called again on the 4th after the transactions had posted to ask why our funds weren't returned, this was during the time our rent check was due too, which caused much concern as we are middle class and don't have cash to spare on fraud. We were told that 1. We needed to report it after it posted, so luckily we had already called to complain or else we never would have known and 2. That the funds would take 7-10 " days '', no implication of them being business days. Then, we started counting the days, we called again on XX/XX/XXXX to ask what on earth they were doing with our money, and they stated they had the claim on file but it " fell off the radar ''. From everything I understand, within 10 business days I should be given a provisional credit, then within 45  days should be provided the amount permanently if they deem it fraudulent. Everyone I spoke with, including a XXXX, has been nothing but useless and disrespectful. They all should be fired, but unfortunately they are a terrible bank with terrible employees. There is {$280.00} of my funds in this fraud scheme and only {$57.00} ( {$32.00} being the charge from XXXX XXXX ), I would like a provisional credit as soon as possible. Also, it's worth nothing the good for nothing bank had the nerve to send us a " replacement debit card '' that had the same numbers as the card involved in the fraud, because ally doesn't hire intelligent staff either. I've changed my bank because of this but their ignorance of cfpb guidelines tells me they need to understand how to properly treat customers instead of submitting to fraud.
Product: Student loan

I have been on IDR SAVE with payment of {$10.00} a month. I submitted the direct consolidation form through studentaid.gov, along with that I also submitted an IDR application on XXXX. My calculated new payment was estimated to be ~ {$200.00} a month. The date both forms were submitted was XX/XX/XXXX. Mohela claims they received the direct consolidation application but did not receive the IDR application ( they were both submitted at the same time on XXXX ). XXXX website confirms that the IDR was submitted XX/XX/XXXX. Now Mohela had me submit another IDR form, which I did. But now they are saying it will take 90 days to process and that form. In the meantime, I have received a bill of ~ {$1700.00} on the standard payment plan. Mohela states that I need to request a processing forbearance which, per them, can not be guaranteed to count towards PSLF.
Product: Credit card

Received a letter in the mail explaining that credit card is unable to be opened due to unsuccessful credit check. 

Application was submitted XX/XX/year> Filed a dispute and requested additional information with no response
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX i have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I reported money and I have got my money took from em and nothing has been resolved and they closed my account with cash still on my card with no probable cause.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint  Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I 'm considered " XXXX '' which means i did n't need to pay for classes up until the age of XXXX while attending any state college. I have never agreed to pay Navient and if any loan does exist, then the state is responsible and not me for this loan. XX/XX/XXXX i after receiving many unknown calls, i finally called back and spoke with a representative who advised that this particular account was past due. I was advised to register for classes to at least half time to avoid this account from negatively impacting my credit reports. i agreed and customer service representative advised on a recorded line that a forbearance was taken care of and i would be be placed back on deferment and no negative reporting would take place. Mind you, i have no knowledge of loan because i was n't responsible for paying for school. This was not done, as a result, a negative reporting was placed on report. XX/XX/2016 i called in after getting harassing emails and advised that i registered for XXXX college, but my account was set for non degree seeking and i was mistakenly dropped from courses. I did advise that i was registered for real estate class and was yet again assured that was fine and they would remove any pass due payments and no late reporting would show.
Product: Credit card

I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
Product: Debt collection

Midland Funding has been calling me dozens of times a day. They use spoofed phone numbers, with area codes from all over the country, so that it is impossible to block their calls. 

They've also obtained a private XXXX XXXX phone number of mine that they were not given permission to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING USA accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all 3 credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute one item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Checking or savings account

I recently received funds from a family member through XXXXXXXX XXXX  of {$60.00}. I routinely instantly transfer the funds from my XXXX XXXX  to my PNC Bank account including a fee. Today XX/XX/2022 at XXXX, I transferred {$59.00} into my PNC account. But yet I never saw the funds reflect, I called both XXXX XXXX XXXX team and PNC customer service dept. XXXX XXXX team verified all transfer steps stating that the status is cleared which means the funds were sent. PNC Bank associates claimed it may have been a glitch on their end and that is not acceptable. I was paying for food a moment ago before my card declined for no funds. Now PNC is launching an investigation to locate the funds. This has never happen before being quite strange knowing that I transfer money to my PNC Bank account all the time.
Product: Credit card

I received notication on XXXX that an account had been opened in my name ; however, I thought that was due to me opening a personal loan in XXXX. On XXXX, while checking my account balance on my Barclays credit card, I noticed a XXXXXXXX XXXX XXXX had been opened in my name. This credit card had approximately {$750.00} charged to it. I locked the card and immediately called Barclays, who reported it to their fraud department and removed it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CREDITACPT XX/XX/XXXX AND XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in      XXXX   XXXX   XXXX     t hrough certificated mail and as of today     XXXX       it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the proper documents and the still didn't delete the accounts that I have on there. 


XX/XX/XXXX {$3900.00}, {$3800.00} XX/XX/XXXX XX/XX/XXXX {$17000.00} XX/XX/XXXX XX/XX/XXXX {$5900.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX XXXX {$3600.00} XXXX XXXX XXXX  XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XX/XX/XXXX I switched my phone service to XXXX. I paid the initial purchase for both the phone and the Military member service. However, while trying to make this switch from my current company XXXX  XXXX I learned that I couldn't move my XXXX for 6 months after purchase so I decided to leave XXXX  and go back to XXXX XXXX until I could switch my XXXX. I cancelled my XXXX service on XX/XX/XXXX before the bill was due. A week later XXXX charged me for the monthly fee. This was two week early by the way. I contacted XXXX  to have the charges refund but because I couldn't remember my pin and because my account was closed I couldn't access to get the pin so they wouldn't help me. They told me I had to speak to a local store. I then had my bank refund me the money as it was not an authorized charge since I had cancelled my service. XXXX has since sent me to collection. I then went to the store to get my pin so that I could have them correct that I do not owe them anything, but the store rep was not able to access my account either. I had her print the screen showing when I cancelled my account with her name on the document. I only had XXXX services for less than 3 weeks and I do not owe them anything. It seem that this company does not speak to each other. I had planned on returning to them after my wait period was over with my XXXX, but I'm glad I learned how horrible they were so that I will not make that mistake again.
Product: Checking or savings account

ChexSystems XXXX XXXX card was stolen and i am now in ChexSystems because of fraudulent accounts opened in my name.
Product: Checking or savings account

With the lawsuit issued I had checking account between XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX : I disputed the amount owed because this company entered into an agreement with me that was to pay back a prior debt. 

Unaware that this company was charging $ XXXX/month fee for simply having an account. 

Disputed this issue iXX/XX/XXXX/XX/XX/XXXX and rather than attempt to resolve issue, company reported my payment as late to credit bureaus. 

From XX/XX/XXXX-XX/XX/XXXX, 0 late payments with exception of month in dispute. Company refused to remove delinquent payment from credit reportaccount and payment were not delinquent, simply in dispute. 

I believe the monthly charge of {$7.00} was fraudulent and I believe that the refusal to remove the late payment ( while disputing this charge ) was fraudulent.