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

I have tried to get XXXX XXXX XXXX XXXX  removed from my credit report because it did not delete off my credit report after 10 years of last activity. This account last activity was XX/XX/XXXX, therefore the account should have been deleted as of XXXX or XX/XX/XXXX. I disputed this based on that fact and Equifax investigation stated the account payment information was updated. I contacted XXXX to about the update and was informed by representatives that no payment information had been updated as this account was closed in XXXX as paid. This account was transferred from XXXX to Department of Education loan servicer, which is currently open on my credit report. The recent CFPB investigation did not result in any changes to this closed account being deleted from my account and will only update and stay on my report for another 7 years. This is now an issue that can be held in a court of law because it is reporting when it should have been deleted. This account has been removed from the other credit bureaus XXXX and XXXX. I am requesting deletion of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union on Thursday XX/XX/2021 to dispute inquires that are on my credit report. I was informed that I was not able to dispute inquires with Trans Union and that I would have to contact the companies to get a deletion letter from them and then send it back to Trans Union. I asked to speak to a supervisor and was connected to one. The supervisor told me the same thing. I then called the Consumer Financial Protection Bureau who told me that what I was told was incorrect. If the information is on my credit report then it is able to be disputed and investigated. I then called back to Trans Union and informed the agent of what the CFPB told me. He then told me the same thing that the other agents said. When connected to another supervisor I was told the same thing as well. I was not able to get my items disputed.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. 

XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for the PSLF program, the hospital I worked at for 5 years that qualifies has closed down. I called Mohela to see how I can verify that I worked there and they only would accept W2 from XXXX, which I no longer have. The IRS also no longer has those records on file. They are completely unwilling to work with me on finding a solution
Product: Mortgage

Wells Fargo stopped sending us paper statements without our authorization. We rely on paper statements to know when a payment is due. Because they chose to stop statements without our authorization, we missed one payment and didn't realize a payment was missed. The following month we realized we haven't received a statement for that month so we went ahead and sent a payment digitally not realizing the month prior was missed. This was back in XX/XX/2023. Weve since been sending monthly payments through our bank despite the fact that we havent received paper statements as requested. During this time, Wells Fargo attempted to contact us at a wrong number despite the fact that they had XXXX of our correct phone numbers ( our cell numbers ) on file. They did not attempt to call either of the XXXX correct numbers to alert us. Had they tried, we would have resolved it. Instead, they have been charging us interest month after month despite the fact that no other payments were missed. We are reasonable and offered to cover a singular late fee given the missed month, but we expect the other fees beyond the singular late fee to be waived given that we have been paying the monthly mortgage on time every single month on time and given that they were deceptive in stopping statements, calling wrong numbers ( despite having correct ones ). We have been a customer of Wells Fargo mortgage for XXXX years now and this is the XXXX time Wells Fargo Mortgage has stopped paper statements, which we rely on for payments, without our authorization. It is our understanding, by law, banks must make paper statements available for credit card, bank and mortgage accounts. The Electronic Signatures in Global and National Commerce Act, or E-Sign Act, allows financial institutions to swap paper bills and disclosures for digital ones, but only when a consumer consents. We did not consent to swapping out to digital statements. We are willing to pay a single late fee, but we are not willing to pay {$1100.00} in 2 years of late fees which Wells Fargo called a XXXX  effect for missing one month in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I created an online EXPERIAN Account and was unsuccessful in retreiving my credit report, I called EXPERIAN and i was told that I need to wa

it 72 hours in order to receive access to my online report. it has been 2 weeks now and I can't access my o
nline EXPERIAN Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.
Product: Checking or savings account

I have a Bank of America checking account ending XXXX, which is closed on XX/XX/2022, however on the same day when I close my account I have a {$430.00} deposit into that account. Now this deposit is still in my closing checking account. Please check the attached closing statement from BOA. I called BOA on XXXX and have been told I should receive the refund by check within 10 business days, but until now I don't see the refund by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian at XXXX - on XX/XX/2023, to inform them that I have an I.T.I.N and there are mixing my credit report with two invalid social security numbers. The social security numbers do not belong to me and are associated with mailing address that I have never lived at. They verified my full name and mailing address, that I have lived at my current address for 5 years. They state they see my profile but because I have an ITIN they can not remove the accounts that do no belong to me. They state they system dictates what can and can not be removed and although they can see that its a mixed profile they can not remove because I do not have a valid social security number. They state they will continue reporting as the system does not allow them to clean my profile with an I.T.I.N. This is now preventing me from purchasing a home. I asked to be transferred to the escalation department and was placed on a " hold '' sounds like I was just placed on mute with no eta when someone will take my call.
Product: Credit card or prepaid card

Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.
Product: Money transfer, virtual currency, or money service

I had been sending money XXXX  via Moneygram for several years until about XXXX, 2019 when I was blocked from sending a transaction. When I called the customer service, they would not provide me with a specific reason my transaction was blocked. Furthermore, I wasn't provided with any information to rectify the situation. I waited about 3 or 4 months, I attempted again to send and was still blocked. I later opened a XXXX account and I was able to send one transaction. But the second time I tried to send via XXXX, I was blocked. I contacted their customer service, and they replied via e-mail. But they also failed to provide me with a reason or a solution to the problem.
Product: Credit card or prepaid card

Case Number : XXXX Amount : {$100.00} Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. 

Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.
Product: Credit card or prepaid card

I am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

CAINE & WEINER Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Product: Vehicle loan or lease

GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.
Product: Debt collection

JPMCB CARD SERVICES -- XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I filed Feedback Case # XXXX Federal Student Aid, and I have uploaded payment records multiple times to My Fed Loan. I am seeking credit for XXXX payments under the Public Service Loan Forgiveness Waiver ( I currently need only a few more payments to qualify for forgiveness ). 

I uploaded proof of payment from AES : I uploaded my full payment history from AES, showing the payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have not received credit for these payments. I have been in almost daily contact with Fed Loan Servicing since XXXX of this year, and I filed my complaint with Federal Student Aid on XX/XX/XXXX, and I have had no communication, and the case still says " in review. '' I also provided information showing that if my account shows as " in forbearance '' it was because that was during consolidation, so I should receive credit for that payment. 

I have a job offer, and I need credit for these payments, so I can have an accurate payment count for forgiveness, in order to accept the new job offer. I am more than happy to submit any of these documents for review. Thank you for any help you may be able to offer.
Product: Credit card or prepaid card

Hello, on XX/XX/XXXX i, XXXX XXXX reported my Citi bank credit card lost. The card was locked and Credit card company told me that they will send me a replacement credit card to my home address by mail. I didnt receive a replacement credit card but on XX/XX/XXXX I was notified by a text message from Citi bank about my new card being charged for XXXX dollars. I immediately called the credit card company and notified them that I never received this new card, never activated, never used it and never gave anybody any permission or authority to use it. The Citi bank refused to connect me to their fraud investigation team and simply hung up on me. Please help me I believe I was scammed by someone who works at the credit card company. Thank you for your time.
Product: Vehicle loan or lease

I called Ally Financial ( XXXX ) on XX/XX/2021 at XXXXXXXX XXXX ( pacific standard time ), and spoke with XXXX XXXX and XXXX regarding a settlement offer. I was told that if I paid {$13000.00} by XX/XX/2021 The entire tradeline associated with Account XXXX : XXXX would be removed from all 3 credit bureaus. I was told my call was being recorded and would like record of the call. On XX/XX/2021 {$13000.00} was paid to Ally. Ally has confirmed receipt of the funds but is still reporting the account as opened with a balance. I was told on XX/XX/2021 that Ally will take up to 60 days to update this information which is very different from the information initially given to me on XX/XX/2021.
Product: Credit card

This is a complaint against citi and its Costco Visa Card. 

I had received a refund on couple of big ticket items purchased on this credit card. The merchant refunded the money in end of XX/XX/year>. Since the amount was about {$2100.00}, and my typical credit card bill is about $ XXXX {$400.00}. I reached out to Citi to issue a refund on the funds in first week of XX/XX/year>. In my initial call I was told- it takes a week for them to make sure the refund is received when it clearly shows that it was showing as a refund in the account balance. Then it takes 2-3 weeks to get the check in the mail. I asked if there was any way to speed this up and was told that is the process. 

After weeks of waiting for {$2100.00} that the credit card company had nothing to do with, I called again on XX/XX/XXXX at XXXX. After put through a maze of automated questions where this was not an option, i finally managed to reach a representative who essentially told me a check was issued on XX/XX/XXXX and mailed to me. I had not received it and therefore I had called. I was told it would take 14 days to conduct an investigation. It takes this bank 14 days to see if the check has cleared, make a stop payment on previous check, and issue a new check. Seriously? After citi 's investigation they would inform me the next steps and possibly issue a new check. When i kept complaining, they told me there is another way to refund my money - issue a direct bank deposit, Why was i not offered this option before? When I asked for a supervisor - I waited for over 25 mins when the phone was disconnected with no attempt from Citi to try and address my issue. Why would they? They have my money and i am now at their mercy.
Product: Consumer Loan

I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.
Product: Debt collection

Dear Officer, the original creditor, XXXX XXXX XXXX, never submitted a statement nor any reminder for a medical service provided to me on XXXX/XXXX/XXXX despite other similar statements were duly received, including a statement dated XXXX/XXXX/XXXX related to other services also provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, while at XXXX XXXX XXXX for other services, upon my suspicious that something was wrong, I checked the account in person and paid the amount due of {$590.00} of which I hold a receipt. Today, I received a letter dated XXXX/XXXX/XXXX from State Collection Service requesting a payment of {$590.00}. In addition, please note that XXXX XXXX XXXX has yet to provide a statement for the XXXX/XXXX/XXXX service and for services at a later date, making me suspicious that this is a recurring practice. Please investigate into the practice of both XXXX XXXX XXXX ( not sending a statement, not sending a reminder, selling an already paid debt or not cancelling it after accepting a payment ) and State Collection Services Inc. ( trying to collect an already paid debt, potential links to XXXX XXXX XXXX bad practice of not sending statements and whatever else you may find ). 

Best Regards, XXXX XXXX, Husband and financial guarantor for XXXX XXXX State Collection Service Inc. Client Acct # XXXX
Product: Credit reporting or other personal consumer reports

Nelnet is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX XXXX with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called Nelnet and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the Nelnet agent. 
Frankly I am not wanting Nelnet to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX XXXX in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.
Product: Checking or savings account

It has come to my attention that BB $ T Bank has provided information to XXXX XXXX XXXX as well as XXXX, I have no kmowledge of this information from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance sold me a lemon for a vehicle would not take it back where nnthe XXXX  days of the loan