23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Not to mention, it 's reporting me as late for XX/XX/XXXX when XXXX is n't even over!!
Product: Credit card

I paid my current balance in full on XX/XX/year> of {$990.00} prior to XXXX on that Friday. On Saturday, I contacted the credit card company asking how long will it take for the available credit to update or if they can contact my banking institution to verify that my payment cleared to expedite the process. I realized that the funds were still pending my account on Saturday when I checked my banking app so I told the credit card representative I will the process as the weekend adds time to the payment clearing. I contacted the credit company again on Tuesday asked them to verify that the payment cleared and they called my bank but never said anything when the banking rep came onto the line. From then on I grew curious as to why the CC company calls were not satisfactory with my requests as a valid card holder. On Wednesday I called again when the available credit hadnt updated still. Then the CC company representative told me I was getting a refund for my payment. I asked why. I had not requested a refund. Why would I if I had just paid the entire balance and was looking for my available credit to update? They told me I need to contact my bank for further details. After speaking with my bank I decided to wait out the money being returned and I decided to make a lessor payment as the issue had taken a financial toll on my finances since the available credit did not up date. In addition to that my bank provided me with a temporary credit which I did not utilize more than 25 % of because my original payment did subsequently returned to my bank account. After being able to pay {$100.00} to the CC company to count as an on time payment, they posted my payment but then adjusted {$810.00} to my current balance making me liable to pay {$1900.00}. Today, XX/XX/year> after contacting the CC company to follow up on the balance I was told I need to pay the adjusted amount because of the returned payment although the payment was not requested to be returned, the original payment cleared my bank account, and I have no charges exceeding my credit limit besides interest Ive now incurred. Please help me rectify this as the CC company hangs up on me every time I call to check the status and question their intentions.
Product: Checking or savings account

Chase Bank said that I had a bank account with them. I never had a bank account with chase bank.
Product: Student loan

In XX/XX/XXXX, I submitted IDR documentation, including my XXXX tax return, to the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to recertify loans in repayment status in order to remain in the same IDR plan I have been in for the past 4-5 years. The loans were being recertified in XX/XX/XXXX so I submitted this paperwork with ample time for processing. I graduated XXXX school in XX/XX/XXXX and have new federal loans that are in a grace period through XX/XX/XXXX. When I submitted documentation in XX/XX/XXXX for recertification of my active loans, this documentation was applied to the grace period loans, not the loans coming due for recertification in XXXX. I called in XXXX and was told this would be fixed. XXXX came, and the problem was not fixed. My loans entered the standard repayment plan and increased by approximately {$200.00} overnight. I paid the standard repayment amount due to avoid late status and submitted a new IDR application with the same XXXX tax return in XXXX. Today ( XX/XX/XXXX ), I received an email stating that my IDR application was 'on hold ' because it had AGAIN been applied to the loans in grace period and not the loans in active repayment that the IDR application was meant for. I called and spoke to someone who told me it is 'standard practice for loans to kick back into standard repayment before the IDR can be processed. ' Having paid on these loans for years I knew this statement was inaccurate and she could not answer my question when I asked her why my IDR application submitted in XXXX was not applied to the loans with the earliest recertification deadline, and if this was indeed Pennsylvania Higher Education Assistance Agency policy. She put me on hold and came back to tell me that she sent a request for problem to be reviewed but I would not hear anything for 7-10 business days. In the meantime, my IDR application which was originally submitted in XX/XX/XXXX, will surely not be processed in time for my XXXX payment, leaving me with a {$650.00} bill, {$200.00} higher than it would be under my chosen IDR repayment plan. It seems even the best preparation can not insulate borrowers from the mismanagement of PHEAA. Again, PHEAA has demonstrated their extreme incompetence, or, alternately, what may be predatory servicing practices in order to capitalize accrued interest at will. This is not the first time PHEAA has processed my loans incorrectly leaving me at a monetary loss and providing a monetary gain for themselves. I do not believe that these are harmless mishaps, or 'glitches ' in their processing system, but rather, purposeful, deceitful loan servicing practices that escape regulatory mandates set by Congress . I believe that PHEAA is utilizing loopholes in legislation meant to regulate their actions in order to profit off of student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt # XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number XXXX )
Product: Debt collection

I contacted XXXX XXXX Hospital about the XXXX  debt owed to the hospital and was told that they notified Designed Receivable Solutions and advised them to delete the negative accounts from all credit bureaus. I received a letter from Designed Receivable Solutions dated XX/XX/2020, stating they had received authorization from XXXX XXXX Hospital to  remove any and all negative accounts from all credit bureaus under my name. I will attach the letter.
Product: Debt collection

I was sent to collection by Synchrony Bank to their collection agency XXXX. The debt was paid to XXXX. XXXX paid XXXX. Synchrony is the agency that provides credit to creditor once approved for XXXX purchases. XXXX sent the money to XXXX. Thus, now Synchrony is stating that XXXX sent the funds to XXXX and I still owe the funds to them. When speaking with all three agencies it was stated to me by several representatives and supervisors that none of the three agencies converse with each other. XXXX and XXXX are not willing to contact Synchrony to inform them that they have received the funds and Synchrony is not willing to contact XXXX or XXXX to confirm that the funds have been received.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting

My insurance provider XXXX XXXX was to pay ( and did eventually ) XXXX Colorado for services that they referred me for. XXXX turned the bill over to collections with professional finance even though the bills were eventually paid by XXXX. XXXX made an error and temporarily cancelled my coverage and I should have never had a lapse in insurance. I did communicate with XXXX XXXX about the issue and they said no problem - they would get it handled. I do have correspondence form XXXX that they were at fault and would cover the charges. I was also told there would be no dings on my credit report. Well that apparently was not true. The amounts were {$450.00} and {$330.00} showing as medical collections.
Product: Student loan

On XX/XX/XXXX, I received a call from Navient at my new place of employment. It was forwarded to my desk through the office operator. Never have I given Navient my work number nor my permission to contact me there. I told the rep to never contact me at work. She told me I need to provide a written letter stating this and even then, they did n't know how long that would last. Then, on XX/XX/XXXX, my HR department received a fax from Navient requesting my work status. I was not made aware by Navient that they were doing this. I was called into my HR office much to my embarrassment. Navient has attempted more than once to injure my reputation with my new employer and has cost me valuable time away from my new job to address issues that are private. These actions on their part are inexcusable and indefensible.
Product: Payday loan, title loan, or personal loan

I received a title loan on XXXX XXXX XXXX from Wilshire consumer credit for XXXX under my pink slip of my XXXX XXXX XXXX I 've been making payments ever month for the last 3 years my interest rate was 165 percent then on XXXX I asked for lower interest could not make payment so they lower to 46 percent interest I paid over 6k for this XXXX title loan and still owe XXXX I want my title back.
Product: Student loan

I initially received a graduate student loan through XXXX in XX/XX/XXXX. The loan was then sold to XXXX XXXX and then to Navient. During the Obama administration when the student forgiveness programs were being introduced, I inquired by phone as to whether my current loans were eligible for the program or if I needed to make changes since I was working for a non-profit. I was told on more than one occasion that I did not need to make any changes to my account and that they would be eligible for the forgiveness program provided that I continued to work for non-profits. I have worked for non-profits since XX/XX/XXXX. I began submitted the required documents from my previous employers in XX/XX/XXXX as I was preparing for a career change. At that time I was informed that my loans being serviced through Navient were not eligible for the repayment program. I contacted Navient and was again told that these loans were eligible for the program. I attempted to appeal the decision and was reached by phone where I was informed that these loans are not in fact eligible. I have since changed providers to XXXX, however, I have six years of work at XXXX that will not receive credit towards the student loan repayment programs.
Product: Debt collection

For over 2 years midland credit management has continued to call me from over 20 different numbers. They never leave a message. I repeatedly block their numbers but they just call from a different one. I do not have any delinquent debt
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} ; XXXX XXXX
Product: Checking or savings account

BB & T refuses to close my checking and savings account. 

I have contacted the company asking them to close the account by the following methods : 1. By certified mail on XX/XX/21. 
2. By email on XX/XX/21 3. By phone on XX/XX/21, XX/XX/21 and XX/XX/21. 
4. By secure message ( through BB & T 's online portal ) on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. 

Section D.8 of the Bank Services Agreement provided during application of the checking/savings account states the following : RIGHT TO CLOSE ACCOUNT. You or the Bank may close your account with or without cause at any time. 
... 
You may close your account at any time but must first notify the Bank in writing, or by contacting one of our financial centers, of your intent to close the account. Your failure to notify us may result in additional fees or charges on the account and you shall remain liable for any items in process. '' Despite being notified no fewer than 9 times, BB & T still refuses to close my account. Furthermore, BB & T opened this account with no intention of providing banking services and with the only intent of drawing initial funding from a non-BB & T checking account.
Product: Credit reporting or other personal consumer reports

Equifax has not responded to my dispute for a 30 day late reflected on my consumer report from XX/XX/2023 on my XXXX XXXX account. I was not 30 days late.
Product: Debt collection

They continue to call my work location and have talked to co-workers telling them they are trying to locate me for legal action. This is not okay, they call my place of employment, family, friends and my personal number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Checking or savings account

Wells Fargo withholds federal income tax on my interest payments on my savings account with them. When I call on the phone I get the run around from them and even get hung up on. Last week I visited a Wells Fargo branch and spoke with a banker, she didnt know what form to fill out and said she would call me the next day. Heard nothing from her, went in to speak to branch manager XXXX XXXX and he said he would call another department and contact me back. He never did. Meanwhile, tax is continuing to be withheld from my interest payments. I am NOT subject to IRS Backup withholding and they have my correct SSN.
Product: Checking or savings account

Summer XX/XX/2017 my account was hacked and I contacted the bank explaining the fraud situation. They left me liable for it and I haven't been able to open a new account since. I have talked to countless reps over the years. I even made a trip to another state where the physical branches are located and still no help. The balance is {$570.00} and being a veteran never having an issue with the company alarms me.
Product: Checking or savings account

On Thursday the XXXX of XXXX I transferred XXXX into my savings account. Unbeknownst to me because my savings account was at {$0.00}, my money was put on hold. I did not find this out until Sunday the XXXX of XXXX when I tried to transfer my money out of savings. I spent the next two days trying to get the money out of my savings but my bank refused to transfer it into my checking. It was not until XX/XX/XXXX that I was able to finally transfer the money out of my savings account into my checking to cover bills. However it was too late because regions hit me with a {$100.00} overdraft fee. I am XXXX and receive XXXX payments losing that much money and having that big of a negative in my account could potentially cause homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The car was a lemon I put {$5000.00} down when I first bought the car, and it was returned within 6 months voluntary due to all the issues wrong with it.

2. It was later sold to auction but still showing as if I am missing payments and not actual amount after being sold.

3. I have contact the company and disputed the item on my report numerous times to be reported correctly and company refuses.

4. company has car but is reporting as if I still have the car