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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXXXXXX 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 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 early XXXX I tried to access my Ally bank accounts online. I received a message that there was a problem with my account and I should contact customer service. I contacted customer service and was told that my account was flagged for fraud because one of my accounts had two owners with different last names. I explained that it was a joint account with my mother and that we were the correct owners of the account ( That is how the account was opened. No changes had been made. ) The person assured me they would make sure I could access my account. 

Yesterday XX/XX/XXXX I tried to access the account again and received the same message. After 3 phone calls I was able to talk to someone who said the issue was still under investigation ( not sure why there is nothing to investigate ) and that the investigation could take up to 90 days.

I asked to speak to a supervisor and was sent to voice mail ( 2 times ). I left 2 messages and no one has called me. 

In the mean time, since this is an online only bank I can't access my funds. I can't even print my 1099-INT to do my taxes. 

Please help me get Ally to unlock access to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been reaching out to Grain about a month now about my payments and they are not responding all out through email. Which has now caused my account to go into 60 days late payment which shouldnt be happening since there only line of communication is email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX Balance Owed : {$4000.00} ; XXXX/XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} ; and XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX  & Experian a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but XXXX said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX  followed the proper steps and deleted these items from my report & I thank them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, exactly at the same time over 5 hard inquiries appeared on my Equifax Credit Report which clearly did not belong to me. I called Equifax locally and spoke to someone, I placed a dispute in their website and called the national phone line. All of these I tried more than once without success. XXXX XXXX and XXXX  did not reflect this problem. This difference causes a 100 point difference between Equifax and the other bureaus. In the beginning of XX/XX/XXXX I was forced to buy a new car when my older car was damaged in a parking place while I was not in the car. Due to Equifax, I was forced to buy at a higher interest rate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX ' standard 15-day grace period. Therefore, the account should not have been reported as 30 or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a 30 and 60-day late payment on my account.

Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX of last year I ask for a covid relief with XXXX XXXX. They granted it for three months, then when that was over they just rolled me into another 3 months without my permission. I used a total of 5 months. In XXXX of XXXX I started making regular and on time payments. I requested a loan modification in XXXX of XXXX and they agreed, but stalled and stalled. I had a hard time making payments as well as they would seldom pick up the phone, often it took me days to pay as I was not allowed to do direct payment any more. I am XXXX XXXX XXXXXXXX  as a veteran so I have as of XXXX of XXXX gotten a 100 % exemption on my taxes. They have not sent me a refund yet either. They have adjusted my payments now but not letting me know details, where did my XXXX go from last years taxes? Now today I called them and they rose my payments from XXXX monthly to XXXX monthly with no explanation. My va rep is very frustrated that after 4 attempts to contact them they are still not returning any messages. Please help I have no mortgage help at all. They say I owe XXXX but I do not I only used 5 months of deferral, they said they would put the XXXX at the back of the loan but it does look this way. Nobody will help me, nobody will tell me how they came up with these numbers, nobody. I ask now 7 times for a list of all my payments and what my mortgage is made up of and they will not respond. I have no mortgage company they are a ruthlessness ship. I am begging you to help me : If feel they are stealing my tax money ....
Product: Credit reporting or other personal consumer reports

Flagship claims they have no files or any oof my personal information but have an. hard inquiry furnished on my credit repots. Since they claim to have no records I am officially opting out of ay and all consent ( verbal, written, electronic ) of any reporting of any of my personal private information IF YOU FAIL TO CO\OMPLY I WILL BE FORCED TO CONTACT THE SEC FTC AS WELL\L AS THE IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX BERLIN-WHEELER-KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX To Whom It May Concern : As you are well aware of, The Fair Credit Reporting Act of XXXX  requires collectors and creditors to furnish accurate and complete information to Credit Reporting Agencies. 
In a recent review of my credit report XXXX which I am enclosing as an attachment ), I have noticed some errors. Please make the following changes : Remove account immediately from credit report as account does not belong to me. 
In the event that you can not fulfill my request by deleting the late payments immediately, please verify the information you have listed as accurate by providing the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX SSN-XXX XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit card or prepaid card

I shut down my Bank of America XXXX Account after years of poor service. They did not inform me that this would affect an auto-pay that I had set-up on one of their Bank of America Credit Cards . {$3.00} was charged to that credit card on an exisitng subscription. Because the autopay was closed without my knowing, the payment was past due. Bank of America never reached out to me to try and collect this {$3.00}. Bank of America charged me more than twice that amount in fees, also without informing me. After 60 days, Bank of America reported me to a credit agency, thereby signficantly affecting my credit score. On exactly 60 days due, as soon as I got a notifciation ( from the credit agency, not Bank of America ) that I had a {$3.00} past due pay amount, I paid it instantly. 

Bank of America has meaningfully affected my life and ability to attain a mortgage ( I am home buying ) by reporting me to a credit agency over {$3.00} that they a ) did not reach out to me to collect and b ) cancelled the autopay themselevs
Product: Student loan

Dear Consumer Financial Protection Bureau Representative ( s ), I have received a federal direct subsidized student loan while attending XXXX XXXX XXXX, Maryland. Now I transferred to XXXX Maryland XXXX XXXX XXXX to earn my XXXX 

However, Nelnet Student Loan Servicer, my student loan servicer has already started accruing of an interest while I am still at school. Although I have contacted them several times to remove the accrued interest in my account, they refused to do so because they claim that since I already XXXX from XXXX XXXX XXXX with XXXX, I am responsible for the interest accrued since my XXXX date ( XXXX XXXX, 2016 ). I have repeatedly said that I am still at school ( XXXX status ) pursuing my XXXX XXXX XXXX at XXXX Maryland, XXXX XXXX. In addition, they also claim that non-school days such as break times, winters and summers are considered as " out of school status '' where the interest starts accruing which is NOT true. In addition to my previous knowledge, the information I found, about Direct Subsidized Student Loan, on the Federal Student Aid 's website ( on the Q & A section ) says : " Question : Do I become responsible for paying the interest that accrues on my Direct Subsidized Loans because I graduated from my prior program prior to or upon meeting the XXXX percent limit, and enroll in an XXXX program that is the same length or shorter than my prior program? Answer : NO '' I am contacting you because I am in a big frustration -- I keep receiving the same response from the subordinates and supervisors at Nelnet. I believe there should be a fraudulent activity in this " loan servicer '', and I suspect that other students might have also been impacted by these related illegal activities. 

I kindly request you to launch broader and deep investigation about all the activities that Nelnet has been doing because I feel that I am being defrauded. 

Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

, XXXX, Experian you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX I request you remove it also
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$730.00XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy my current consumer report and immediately noticed inaccurate addresses, misspelled names and completely different phone numbers that do not belong to me. Under the FCRA my consumer reports should reflect accurate information at all time. This is a clear violation of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthrized inquiry.
Product: Debt collection

In XXXX I cancelled a XXXX account with authorization from a XXXX employee. The reason for cancelling the plan after several years of service was because there was no service in the area I lived in even though I paid for service for XXXX  years at that location. XXXX insisted I pay a disconnect fee after I already canceled the service even though it was authorized by their employee who agreed I would not have to pay a fee. I spoke with an attorney who helped me communicate with XXXX and collection agencies about the conflict, disputing the charge. Since at least XXXX XXXX  has continued to harass me for some partial payment off and on.
Product: Checking or savings account

I applied for an " Any Deposit Checking '' account from Bank of the West via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I received an email telling me that I am " customer_XXXX ''. 

On XXXX I received an email telling me I was declined, but not given the name of the Credit/Information/Verification agency consulted for my application denial. 

I called and emailed many times trying to get this information but they have not been forthcoming, despite the CFPB regulations demanding this. 


The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 


This is clearly a breach of the CFPB rules. I demand that Bank of the West provide me with the information as required by CFPB regulations. 

Thank you, XXXX XXXX
Product: Debt collection

Company : Affirm Affirm has been sending me messages more than once everyday to collect debt I owe to them. They would be calling and messaging me also but I have opted out of electronic communications. I am aware that I owe this Debt and they should know that, but keep harassing me to pay them. I have tried telling them I am having financial hardship but they do not seem to care or understand the situation.
Product: Debt collection

DNF Associates LLC aka XXXX has been contacting me through email, without proper use of the FDCPA. 

They have never proven ownership of the debt nor have their quit contacting me, after I went through the XXXX 

They have ignored my requests for information. The debt below attached is in question, which on my report doesn't show they own, but will be past the statute of limitations soon.
Product: Checking or savings account

I bank with Bank Of America. On XX/XX/XXXX a family ( that I DO NOT know ) used my FULL card # and e-mail address to buy a family package at XXXX XXXX XXXX XXXX totaling {$420.00}. I had my debit card in my possession the XXXX time. I have NO idea how they got my card # or e-mail address to make this purchase. When I tried to use my debit card online on XX/XX/XXXX to make a purchase online and it was declined I called B Of A and asked why. They told me about the XXXX 's transaction and I filed a fraud report with Bank Of America IMMEDIATELY! ( # XXXX ) They credited me the {$420.00} when I filed the report. XXXX days ago I received a letter saying that they were taking the {$420.00} back because they've concluded that either I made the purchase or I gave them my info to make this purchase. THAT'S A XXXX I've never met these people in my life! I filed a police report with the XXXX XXXX Police Department. ( Case # XXXX ) I have pictures of the people that entered XXXX 's XXXX MY name. ( XXXX 's provided it ) I also called XXXX 's and filed a complaint there. ( I spoke with XXXX. Ticket # XXXX ) I haven't heard back fron XXXX 's at all. I called Bank of America on XX/XX/XXXX and asked if I could re-open the case. XXXX said that I needed to fax them proof of my police report and any other fraud reports that I make with other organizations. So here I am. I have a copy of the package that was purchased. I would like to mention that when the thieves used my card # they provided an incorrect phone number and incomplete address. It also looks like they used XXXX XXXX which I don't have. I'm not sure how the transaction went through when my personal info didn't match up? I have the denial letter from Bank Of America, a copy of the purchase info from XXXX 's and pictures of the people that committed the crime. I can fax them somewhere if that would help. Thank you for ANY help that you can provide! I need my money back! Like A LOT of people in the world I'm XXXX!!! Thanks again!
Product: Mortgage

I submitted two complaints and they were improperly closed. I have no resolution and the response to the CFPB is completely different to what I was told on the phone.

" We are responding to you and the CFPB explaining we understand you feel you did not request the short term payment assistance however based on review we confirmed you did request the forbearance and we are providing correspondence we sent confirming the short term payment assistance. '' This is a blatant lie. I never requested short term payment assistance. I requested information. The person on the phone today advised me today that there was an error in their system that put people illegally into forbearance and they fixed it and I never requested forbearance. " We also confirmed that the request to correct account credit reporting was updated to remove the comment code of account in forbearance
''. I don't want a confirmation of a request send. I want confirmation this was done.

" We recognize your claim that we did not follow Fair Credit Reporting Act procedures, and due to this, your request for restitution, that we have reviewed the request, and respectfully decline that request because we have no evidence to support errors that caused a negative effect to your FICO score. '' What is this. You admit you broke the law, and it caused my credit report to drop. But you won't do anything about it. What are you now reporting to the credit bureau the  week of XX/XX/XXXX. The prior complaint escalation contact would not tell me.

Why did the person on the phone advise me that Wells Fargo never sent me a letter on XX/XX/2020. I have the letter but according to him Wells Fargo never sent it. They told me on the phone it doesn't exist. I am attaching it this time.

This previous resolution is full of lies. All Wells Fargo does it lie and they deserve to be shut down and sued.
Product: Money transfer, virtual currency, or money service

I needed to call XXXX XXXX for an issue I needed resolved with an XXXX. I XXXX  XXXX XXXX and clicked on the website and the number that was provided. The agent I spoke with said he needed to verify my identity and I needed to download an app called XXXX so he could see what my screen was showing as we talked. I did as he said and gave him permission to see what was on my screen. He the. Told me to go to my Chime bank account to see if a {$1.00} deposit XXXX sent was showing. I did and it never showed. He then tells me to go to pay/transfer and gave me an email address to put in for who I was sending money to. He then told me in the amount to put {$730.00}. That was the balance on my account and he was able to see that because of the app I downloaded. He was talking so fast and before I even thought I did as he said. He told me my money wasnt going anywhere because the transfer would not be accepted, it would be declined. He kept telling me to wait until it showed so he could decline it. It all happened so quickly. I waited and stayed on the line until the transfer went through. He immediately hung up on me. He scammed me into sending him my whole balance of {$730.00}.