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

I am filing this complaint because the credit bureaus Equifax and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
Product: Student loan

I have been dealing with XXXX XXXX over the last few years. Now that they have switched to Navient I have had nothing but issues with the company. In XX/XX/XXXX I was contacted by a Navient rep regarding my monthly payments. I thought I was still on a forbearance period and had no idea I was passed due XXXX months! She ( the agent who contacted me at the time ) helped me figure out a way to make a payment that could work with my budget, but forgot to tell me that it was only going to cover just XXXX of the XXXX loans. I was then contacted XX/XX/XXXX by a representative named XXXX whom was very rude and very unhelpful/disrespectful. I explained to him that I was unable to make a payment due to hardship and if there was anyway we could work something out to help me it would be appreciated. He then rudely told me I should seek a XXXX job and make my payments that way! I was thrown back by his commitment. At the time I just lost my mother due to a XXXX, she was only XXXX years old and it happened quickly,! I was in and out of work and on medical leave to help my family deal with our tough loss of our mother. Then, I have this representative tell me sorry you 're out of luck get a XXXX job! He made me feel worthless and helpless. Due to my situation I was unable to make payments or get adequate help with my loans. I recently got into XXXX and will be attending this summer or fall depending on my directors instructions. I received a call yesterday XXXX/XXXX/15 from my rep XXXX, again rudely expressed that I was a horrible person and began yelling at for trying to explain myself and the reasoning behind the missed payments. I asked to speak with a manager and it was not any better, I then asked for her supervisor and when she did I finally got to explain my past concerns and how I will be attending XXXX XXXX. We talked for 25 minutes and made arrangements for a payment the next day XXXX/XXXX/15. She also expressed to me that XXXX will no longer be contacting me and they will take proper actions with him regarding my concerns and his behavior. I also made sure she noted my account to pay the amount of {$310.00} and she assured to me severe times it is noted and her assistant is going to handle my payment the next day. So, today XXXX/XXXX/2015, I call to make my payment, was transfused to XXXX the agent who was causing me hard ache over the past months, told him to see his supervisors notes to make the {$310.00} payment, and I turn he said he saw nothing noted or an agreement noted in the system between me and his supervisor. I was so upset I hung up and ended the conversation. So I 'm back to square one and am running out of time. Again, I just need someone to help me or work with me and listen to my concerns. I have saved the voicemails from this representive as well. I have been loosing sleep over this and it 's causing me nothing but pain. I am doing the best I can with the cards I have been dealt at the moment. Please help and is there anything I can do? 
Thank you for your time!
Product: Credit reporting

so there is fraud inquirys on my credit report i ask them to remove them i provided my police report with each inquiry listed in the police report a letter stating why im disputing these with copy of my id and i called in after 4 days and they sent the same letter that says inquirys are factual records and i told them the company 's didnt have my information and there is nothing i can do they kept giving me the run around been on the phone with them for over 30 mins trying to get this straight but still get no help what so ever
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

XXXX on PayPal card. PayPal denies disputes.
Product: Mortgage

Due to A serious illness we applied for A loan modification from years XX/XX/XXXX to XX/XX/XXXX to lower our payments and interest rates down from 8/12 per cent so we could afford the payments. The process proceeded on until the house was under water with no conclusion on the loan modification application process. The amount of money went from XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX during this time.
Product: Checking or savings account

Robinhood transfered unauthorized XXXX from my XXXX XXXX  account in 2021, even aftrr trying to reach out to them they did not resolve our issue XXXX XXXX  did not do proper investigation in our claim and did not credit monet back to our account.
Product: Checking or savings account

This is now my XXXX complaint with the CFPB about predatory practices at Bank of America. 

I had a credit card from an old business that was charged off. As a part of my agreement, I understand that I am liable for the balance owed and that money from my personal account could be used to satisfy the balance due on the card. That is not my dispute. 

My dispute is that now on multiple occasions, I have filed a complaint and spoken with Bank of America, Regulatory Affairs, bump on a log, XXXX XXXXXXXX who last time we spoke said he was working on my case and would call me back. I repeated on I'm sure a recorded line, I want to set up a payment plan. I was told that if I set up a payment plan, Bank of America would not withdrawal my personal account down to XXXX. I never received any calls from XXXX, emails from XXXX or correspondence from XXXX  regarding my options after leaving multiple messages for him. 

Now I'm reading responses on the CFPB complaint that are essentially generic responses and LIES claimining I DECLINED a payment plan .... This morning I woke up to {$5200.00} withdrawn from my personal account and my rent is due today ... and my account is XXXX. 

I have filed a complaint with the Attorney Generals Office and will continue to file complaints about Bank of Americas predatory lies claiming I declined a payment plan which I would never have done - obviously I'm not sitting on a pile of cash with the ability to write it off losses on the backs of tax payers like Bank of America does. 

I'm not sure that the CFPB is useful as once I submit this complaint, XXXX XXXXXXXX, the loser he's been in resolving my issue... gets a copy and has a job to half-ass do, to not resolve it with a payment plan that I called confirming I wanted to set up and then put some generic trash response on the website so it looks like he did something for me, the consumer that is apparently being protected by the CFPD... 

We will see. If I could sue XXXX XXXXXXXX personally for the lack of action he took and the state of my account and now life today, I would.
Product: Money transfer, virtual currency, or money service

Scammers email : XXXX Scammers alleged name on XXXX : XXXX XXXX Scammers website : XXXX XXXX XXXX I was looking to get a puppy and found this site that looked legitimate for a puppy. I contacted and was emailing the on company on XX/XX/XXXX. After a few hours over talking over email he asked me to XXXX him {$1400.00} to get the puppy on a plane to me. So I did via Wells Fargo to XXXX. He then sent me a fraudulent airplane ticket through another puppy servicer for airplane rides. It was saying the crate was not approved and I needed to pay more for a new one. When I asked about this he said the puppy was at the airport waiting to picked up but I needed to pay more for a new crate. I did not though because I called the actual company and they said it was a known scam. 

This is so much money lost. And Wells Fargo is refusing to help me and im so heartbroken over this. Ive been with this bank for a decade and this one mistake I made they wont help me with. Please help me recover these lost funds. I was truly scammed. You have all the info above and can see for yourself if you contact him. Plus the pictures of the puppies never change. I can send all our communications we had via email too.
Product: Credit reporting

XXXX. 
Every time in attempt to obtain my free annualcreditreport from XXXX the sites CAPTCA codes do not propperly display XXXX 's or XXXX 's. You cant tell the diffrence between an O or a XXXX, or a XXXX or an i. If you are unlucky and fail 3 times your locked out. 
More frustrating is the fact that the credit file questions are completly wrong or their systems are down. You are forced to call the " Big XXXX '' to figure things out. When doing so you are being solicited products. This has to be by design! By LAW they are required to provide a FREE credit report each year via the web interface! What is will you do to improve your Captca code module and what will you do to audit the big XXXX 's web interface success rate vs failure ( mail ) the big XXXX must have their systems up to accept requests, as their internal systems sure seem to work. 

Attached is a screen shot of experian 's bad list of credit file questions that do NOT pertain to me. When I choose none of the above their system fails or says system down.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. These 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 ] [ are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX, XXXX, XXXX. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6/BXi ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to freeze my credit online at Experian 's official website. I fully completed the form and submitted. I was then presented with the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' There was no further explanation. I tried again. No luck. 

I had no issues freezing my credit online with XXXX  and XXXX. I don't know why Experian failed. I tried to call their customer service number, but an automated message told me to mail in my information/documents for a freeze. 

I do not want to go through the physical mail option.
Product: Credit card

I have XXXX account - I got the recommendation to apply for Chase Saphire card at there. Please refer to the attachment. Also I got one mail ( postal ) to apply for Chase Saphire card at there. That 's why I applied for it on XXXX XXXX, 2015. Come to know yesterday that it 's been declined. Worst than that-there is a hard inquiry on my credit report regarding this application. The reason given to me " Too many credit card accounts with us ''. Obviously Chase is paying XXXX to display these kind of advertisement and links to tempt the users to apply for that. More over why they are sending the mailers when they know that i will be denied for the card. Chase might say that situation changes over time etc ... but why to tempt the customer and XXXX up the credit report. It seems left hand does n't know what right hand is doing - their marketing team keep on sending mailers and advertisements just because economy is good without in consultation with card approval team.
Product: Student loan

I graduated from the XXXX XXXX XXXX in XXXX. When I left college, I had {$11000.00} in debt. Pursuing an artistic career, I took a series of low-paying jobs, and only paid the minimum amount on my loan. When financial problems surfaced, I would take forbearances. But -- I did make payments. Though I have found the history of my loans on the Federal Student Aid page, I can not find a record of my payments. Do you know where I might get this information? My loan was sold twice -- once to XXXX in XX/XX/XXXX, then to Great Lakes in XX/XX/XXXX. Though I have made many payments throughout the years, my loan has metastasized from {$11000.00} to XXXX, not including the interest, which totals {$8100.00}. I admit that in my XXXX I was not diligent about understanding what I was signing up for. Now, even though I make a solid income, I still run into financial difficulties now and then -- recently, my mother became sick and XXXX XXXX, necessitating a great deal of travel for me. While I pay down that travel debt, I am not making payments on my loans. I despair of ever being able to pay them in full, and question whether that jump from {$11000.00} to {$69000.00} is a legitimate debt. I am attaching the documents I found on the Federal Student Aid page. Is there any recourse? Thank you for reading.
Product: Credit reporting

XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to demand that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information being reported on my Credit File in accordance with the Fair Credit Reporting Act. The names, and addresses presented on my Credit Report are either inaccurate that it does not reflect my accurate and lawful information or resulted due to identity theft. Either way, I am demanding that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I sent a dispute letter to the Credit reporting Agencies last XX/XX/XXXX, XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC report I received from the FTC XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature
Product: Checking or savings account

I received a flier in the mail from Chase offering a {$300.00} bonus for opening a checking account. I took them up on the offer and signed up, using my coupon code. The checking account was opened on XX/XX/XXXX ( well before the XX/XX/XXXX offer deadline ). I met all the requirements : open an account, and have direct deposit attached to your account within 90 days of opening it. My direct deposit hit as of XX/XX/XXXX. I never received the {$300.00} bonus. After 90 days, I called Chase on XX/XX/XXXX to check the status. They stated that there was nothing they could do, there was no one I could talk to, and that I should have called them if I didn't see the deposit hit after 21 days. However, this is not listed in the fine print. In fact, the fine print states that the deposit will hit automatically. This is a bait and switch, and false advertising. Chase should be required to honor this commitment and also be prohibited from luring new customers in with cash bonuses when they actively do not honor them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXXI have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I could not resolve my issue because there was no one to speak to
Product: Debt collection

Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. 

Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. 

On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. 

I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. 

It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. 

I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file on Equifax, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. XXXX is with XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card # XXXX. This is a case of IdentityTheft. Please remove this account from my credit file.According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say call bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my Equifax Credit file. I also request a credit report from Equifax credit Bureau send at my residence XXXX XXXX XXXX, XXXX, XXXX  XXXX... ..... I have also attached XXXX  report for this.
Product: Credit card or prepaid card

Just received a capital one venture card a week ago, promotion was spend {$5000.00} within 3 months and receive miles bonus. I made this card my primary card for all the purchases. Out of {$15000.00} limit {$1200.00} was used within a week ( due to XXXX shopping mostly ). Today got an email that they closed my account because I did not meet their spending expectations. No other reasons, no details. Nothing. I have an excellent credit score, own a house, have a well paid job. Never had an experience like this.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.