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

This is my second time submitting a complaint. The first time was on XX/XX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Debt collection

Since XX/XX/XXXX the company has called 4 to 5 times a day, 6 days of the week. They also leave daily emails. I have repeatedly asked that they not do so and to please contact my attorney to resolve the debt but the calls continue. It is now XX/XX/XXXX and it has still not stopped.
Product: Student loan

Mohela autopayment issues.

Autopay will not show up until a representative is reached ( 1 hour+ wait time each call ). XXXX payment was incorrectly applied ( all to XXXX loan and not autopay split resulting in late payments on XXXX loans ), XXXX payment is still missing from account history and loan balances but was drafted by bank account. Now showing as late payments for 2 months. 
Due to XXXX payment not processing on their website we applied another manual payment in a time of financial hardship resulting in XXXX payments that month. 
One hour wait time on most recent call to speak to a representative to be transferred to a " specialist '', estimated wait time on that was another 65 minutes. Still have not received a call back.
Product: Student loan

I am a co-signer on XXXX my daughter 's Rhode Island Student Loan Authority loans. We requested my name be removed from the loans and were refused because according to RISLA she did n't have enough credit history ( her credit is in the XXXX 's ) RISLA would not count any of her student loans towards her credit lines.. She received a letter dated XXXX/XXXX/16 from a XXXX XXXX Loan Originator for RISLA that if she was still interested in the co sign release we should resubmit, due to a changed that RISLA updated their underwriting guide lines and now consider her student loans as part of her credit history. We resubmitted the request to remove my name from her loans. 
On XXXX/XXXX/16 We received another letter stating again the co signer release has been denied because my daughter does n't make a minumum of {$40.00}, XXXX a year. 
XXXX. Never in the original agreement with RISLA did they state they would n't count all loans as part of her credit history. 
XXXX Never in the original agreement with RISLA were we told she had to earn over {$40000.00} a year to remove my name from the loan. If she is n't making enough money to pay the loans how did she get years ahead on the open ones and pay the others off? 
XXXX My daughter had no income at the time these loans were made and I was n't making {$40000.00} a year when RISLA approved them. 
XXXX. XXXX/XXXX/16 RISLA told us the only requirement she had n't met was that she needed XXXX more credit card now this feels more like a bait and switch. She met that requirement and they now changed the rules again. 
XXXX. In my opinion RISLA is being deceptive by leading consumers to believe that the only requirement to removing their name from loans is that the student has a good credit history and pays loans on time for two years She has more then exceeded the original requirements RISLA led us to believe we needed to remove me from these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Mortgage

Foreclosure by Bank of America 2015. XXXX XXXX XXXX XXXX,. XXXX FL XXXX. 
XXXX XXXX XXXX They have failed to send a 1099-C to notify me. Since they didn't send me a 1099-C they have violated my rights because this charge off equates to a tax credit because they have charged it off means that they canceled this means that I love them I'm liable for the amount that has been canceled. They have not reflected the new balance they just weighed part of the fees they discounted the amount I owe by canceling that amount and agreeing to reduce the debt well if they have agreed to reduce the that it's not being reflected on my account I've asked them for a full comprehensive verification of account and they have not providing me with verification on the third collections practices at in the Fair Debt credit reporting at they are violating my rights and I want this taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove fraud alerts on my credit report.
Product: Checking or savings account

Wells Fargo has been putting larger debits due and smaller debits that were to post 2 days prior. By doing that they was able to charge XXXX x XXXX. XXXX transaction was XXXX XXXX XXXX I had a little over XXXX in my account and was going to pull XXXX from another account to cover the difference like I always do. Wells Fargo put the XXXX through before the debits that were supposed to come out two days prior. Resulting in 3 overdraft fees XXXX each. I had other small debits due and direct deposits. I deposited over XXXX but am still overdraft due to the fees and holding back debits to collect fees on every debit. I am working to get my life insurance and other debits to another account. I just need the overdraft payments that were deceptively placed removed.
Product: Student loan

I got a new job and called AES in XX/XX/XXXX to change my loan due date to coincide with my new paycheck schedule and new direct deposit bank account. I have XXXX school loans through AES but I 've only ever paid XXXX total amount on XXXX due date ( the XXXX of the month ). The representative told me it could not be done for the upcoming bill in XX/XX/XXXX but that I could suspend direct debit for XX/XX/XXXX and have the new date date/direct debit account changed for XX/XX/XXXX. I paid my XX/XX/XXXX bill online and used my new bank account information. THEY STILL TOOK IT OUT OF THE OLD ONE and overdrafted that account. I figured there was nothing I could do at that point and let it go. 

Now it 's XX/XX/XXXX, and they have randomly direct debited my account {$200.00} on the old due date ( the XXXX ). I called and asked why and they said only XXXX of the loan due dates were moved to the new date ( the XXXX ), the other XXXX remained on the old due date. This is in direct opposition to what I requested, direct opposition to what I was told by the representative when I called the first time, and direct opposition to the confirmations I received in the mail. HOW DID THEY CHOOSE ONE LOAN TO MOVE THE DUE DATE out of XXXX? How did they make that choice ( and why would I even request to split up the loans payments and due dates )? 

It was clearly an error and it screwed up my finances this week badly. When I called to have it fixed, the representative told me there was nothing he could do, I 'd have to call back in 10 days after that loan was paid to start the process of moving the due date. I told him I HAD ALREADY DONE THIS 2 MONTHS AGO, already received the confirmation in the mail and that he could clearly see that only XXXX of my loans was moved after I requested them all to be moved. He said there was nothing he could do until my loan was paid. I asked how it could n't be paid since {$200.00} was out my account today. Where was that money?! He had no answer, just that the it does n't show up in the system for awhile and that the system would n't let him do anything. 

I overpay my loans every single month, on time. I wanted to make XXXX minor change and its now resulted in over-drafting my account twice because of their mistakes. And this is still not resolved - there was " nothing they could do '' when I called. 

Imagine dealing with this company when you are really struggling or in dire straits? They are terrible at customer service and terrible at everything but taking your money ( incorrectly ).
Product: Student loan

FedLoan Servicing continues to list XX/XX/2015 student loan payments as Eligible for forgiveness under XXXX XXXX XXXX XXXX ( PSLF ) program. However, the company has failed to complete the required XXXX XXXX in order to qualify these payments regardless of the numerous requests and complaint that I have made or the verification information I have submitted multiple times.
Product: Credit card or prepaid card

Dear CFPB On XX/XX/XXXX, I bought a mobile phone from XXXX, which is worth {$1300.00}. Because it does not meet their activity requirements, I can only return the mobile phone. ( XXXX return tracking number : XXXX. ) After receiving the returned mobile phone, XXXX  company refused to refund, so I filed a dispute with Chase Bank. For the first time, I didn't know what information to provide, and I didn't receive the notice that the bank needed me to hand in any information, so I missed the first dispute. So I proposed to the dispute Department of Chase Bank to reopen the dispute of opening this case, and provided the tracking number, screenshot of contacting the merchant and email sent by the merchant. I called the dispute Department of chase many times, and each time I received a different answer. I provided them with all the information they asked me to provide. However, they still refused my application. Chase bank told me that the case was too long and that it could not be reopened after missing the first dispute. Chase bank did not communicate with XXXX  any more and directly closed the case. Moreover, they told me that the re application was the same result and asked me to go directly to XXXX for a refund. After many communications with XXXX, XXXX told me that their finance couldn't handle the refund and asked me to communicate the refund with Chase Bank. So I have been communicating with the two companies to deal with this matter. Three months later, I still can't solve this problem. In the face of facts, chase bank did not protect the rights and interests of consumers. XXXX  has been shirking responsibility. I beg cfpb to help me complete this case and get my refund back. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 517805XXXXXXXXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my fico score by determining a student loan amount Increase of {$32.00} dollars was due to possible late payment, that's incorrect, the balance increased because the loan was pushed out longer since my son is still in school, deferred payments, 6 months longer, until he graduates to pay any payments the {$32.00} dollars are interest ... put to back of loan ... not LATE, they dropped my fico score from a XXXX to a XXXX ... good to fair, and I just got approved for another loan ( Fasfa ) ..but due to drop my interest rate will cost me XXXX dollars more if not corrected within next 7 days from todays date of XXXX
Product: Debt collection

I have disputed this debit from SCS credit Corp because this car was in a severe car accident the amount was paid by lawyer the total was left to pay was XXXX SCS credit Corp is reporting XXXX I have reached out to the company to find out why they are reporting this to my credit report and the response was they would remove it if I dispute it I have disputed this debit multiple times and its still coming back as accurate I have also reached out to XXXX XXXX and was told I needed to do a complaint also I was only in a loan for only 3 days before the car was totaled out
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.
Product: Checking or savings account

It's has been applications that has been opened in my name with XXXX XXXX and third party banks that's under XXXX XXXX ... plus unemployment benefit cards that was used under my name that I have not authorized.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Put what you think would be a fair resolution to the issue My address Correct is XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act # XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint was sent to Experian and their response had nothing to do about the reported problem. My existing CFPB complaint ID is XXXX. I wanted a way to contact a REAL person within Experian to explain to them the problem. I did send them a detailed written description of the problem, in addition to my complaint to CFPB, but their response which was a result of whatever you forwarded to them was complete BOILER PLATE! 

No matter if I use their web site that supposedly will enable me to to temporarily UNFREEZE my account, or if I call the number they publish, which is supposed to be a HELP contact, I am asked for the same information that I submit on their web site. No matter what I enter, the same message is returned, " WE ARE SORRY BUT WE COULD NOT VERIFY THE INFORMATION YOU PROVIDED : They do not, I repeat, DO NOT provide a number that gets to a real person. 
Their automated voice answer machine does not have any option that addresses my situation and it neither provides me the ability to connect to a real person. I enter what I believer is a valid pin, I received it from them in correspondence they sent to me. They do not say what area of the input I'm submitting is wrong. So, end result is I can not unfreeze my credit account and as a result I'm prevented from buying the automobile I wanted to buy and I can not open a credit account to pay my XXXX  for XXXX XXXX. How is it that Experian can be allowed to have this control over my life and NO ONE will do anything about it. 

How about you at the CFPB? Are you helping me, do you want to help me? Will anyone help me?? 

XXXX XXXX