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

I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just have a general question ...

If I disputed a debt and even tried to nefotiate in the past due to no success disputing and now A debt is cancelled and I received a XXXX. Is it my right to have it removed from my credit since now I am paying income tax on it? I am ok with it as long as it is deleted from my credit report. I have the proof if needed and can upload!

Please let me know my rights and how it should affect my credit score. I fee like they never explain how it will affect you. I have written in the past that I would like things explained and I never get any response.

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. Under the FCRA XXXX provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.
Product: Checking or savings account

Closed and blocked on XX/XX/XXXX XXXX Amount {$3800.00} Called to 3 numbers XXXX XXXX XXXX Everyday and every week XXXX promised 3 times Didn't receive cashier 's check yet
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

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

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Again after 3 years PHH is back to their games. 

I applied for a loan medication last year, I didnt sign or make the first payment because around the same time my identity was stolen. I am trying to repair what happened and working with lawyers. This is taking longer than expected.
Product: Student loan

I originally took out loans through XXXX XXXX. Now I have loans through both them and Navient. Navient 's is about XXXX and XXXX XXXX is about XXXX. However I am a recent XXXX so I am trying to get on a payment plan that will work with me. I have called both companies every month for the last 4 months and they keep telling me to wait and call back. Recently they told me I had to wait until my loans were deliquent before they can get me on any payment plans that would work for me. I do not believe this is good business as I am told I can lose benefits or this can lower my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of ID Theft and the information that you are reporting under my name is a result of fraud. I have sent you a copy of my id theft police report that i have filed.
Product: Credit card or prepaid card

I have had a Capital One credit for almost 4 years. Capital One still refuses to raise the credit limit and they use every excuse possible first from not enough payments made to inquiries on credit report. Capital One still has me with same {$700.00} credit limit for XXXX  years with no negative items on credit report and never late. Every time I ask for a credit line increase its always the same excuses. Theres also an option to sign up for over the limit purchases but thats not true they wont even approve {$1.00} over the crowd limit. Ive submitted complaints before to the CFPB against Capital One. They pretend it goes to a executive office and they actually look into it but really they dont all they do is just type up a fancy letter and send pretending what they said they would do. I am writing this review mainly so other customers can see how awful Capital One is. Even when my credit score was around XXXX they still would not raise the credit limit they would use every other excuse possible. Plus its pathetic that they have an option to go over your credit limit and then when you try to go over the credit but even a single dollar for an emergency they wont approve it. Of course Capital Ones gon na say that purchases are based on their discretion so thats the loophole or excuse that they can make but whats the point of having an option to go over the credit limit if they wont even allow you to go over by a dollar for an emergency. So I would not recommend Capital One to anyone they are ok if you have a low credit score but other than that theyre awful its better to go with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Plus anytime you call customer service too youll get someone overseas that just reads off of a script and doesnt understand most questions.
Product: Debt collection

company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX  ). after I recontacted them, was told it is XXXX XXXX ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Student loan

In XX/XX/2022 I submitted my TEPSLF application with ECF forms. It has been almost a complete 365 days and I still have not received any counts on my application for my direct loans. I received a letter in XX/XX/2022 that my application and forms were received. Since XX/XX/2022 I have spent on average 5 hours a night, once a week, calling Mohela. A month ago I spent over 5 hours a day daily for a week during a vacation week. Often it would take several hours just to wait to speak with someone. My child has seen me cry tears frequently in dealing with this extremely stressful situation as I have to call during my time with him after long clinic days. Despite it being stated that processing and counts are to be given by Mohela in 90 days from submission of the application, I have not received a count still. I have been told that there was a request by Mohela to transfer my loans from XXXX in XXXX, XXXX, XXXX, and again in XXXX. However in XXXX I found out from a supervisor of supervisors, the third one I had finally spoken to, that actually Mohela had never actually sent the requests outside of Mohela, so XXXX had never been asked to transfer the loans. Now the loans have been transferred about 3 weeks ago, but still there are no counts. I am beyond the 120 payment count, by my count and my advisors counts above 150. 

Thus I am requesting help from CFPB to have Mohela provide my counts in the next 10 days, and finalize what Mohela needs to do for my loan forgiveness in the next 20 days. 

I am a child and adolescent psychiatrist, in the midst of a national emergency in childrens mental health, I worked through the pandemic seeing children on XXXX. I am a first generation physician. I have dedicated myself to serving the underserved pediatric population of our country, and our lawmakers have set up laws to help pay off the rest of my loans. My private loan servicer has not upheld its responsibility to handle my TEPSLF application in a professional timely fashion. Instead of 90 days, it has been almost 365 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was not able to use the card for payment when I was in XXXX in XXXX and XXXX. I got a replaced card. The replaced card stopped working again XXXX. 

In Case # XXXX, Case # XXXX, and Case # XXXX, I asked Citi 1 ) to send me a new card 2 ) to extend the payment due date for annual membership fee from XX/XX/year> to XX/XX/year> or to reimburse my 2 months of the {$590.00} annual membership fee ( {$100.00} ). 

I got the replaced card on XX/XX/year>. 

for Case # XXXX, Case # XXXX, and Case # XXXX, citi stated " We respectfully decline your request for credit of any portion of the {$590.00} annual membership fee associated with this account. You agreed to this fee when you applied for the account, and you continue to have access to many benefits offered with the Citi / AAdvantage Executive card. ''
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$1400.00} XXXX - XXXX - XXXX - {$00.00} XXXX XXXX  XXXX- XXXX - XXXX - {$750.00} XXXX XXXX XXXX  XXXX - XXXX - {$5700.00} XXXX  - XXXX - XXXX - {$5800.00} XXXX XXXX  XXXX XXXXXXXX - XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$8100.00} XXXX XXXX XXXX - XXXX - XXXX - {$3000.00}
Product: Credit card or prepaid card

XX/XX/2018 My wife and I each have an XXXX XXXX Bank of America credit card, and have had them for decades. I think that Bank of America is discriminating against us as lawful gun owners. Bank of America does this by threatening to refuse their banking services to law abiding businesses within the firearms community. I want Bank of America to apologize to my wife and me. I want Bank of America to immediately stop marginalizing my family and our honorable, constitutionally protected traditions. 

Sincerely : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX
Product: Mortgage

On the XXXX of XXXX I cancelled my Bi weekly payments with the lender by calling them over the phone as they didn't allow me to do it online. I insisted several times to the agent that I wanted a confirmation that the Bi weekly payments are cancelled and she refused to send a confirmation code but asked me to verify online which I did and the system showed a message that the Bi weekly payment was cancelled, but during the call itself I was bit skeptical form the way the agent came across and that's why I made her confirm it verbally several times and recorded the call but today the lender made an attempt to take the money out and caused my Bank account in Overdraft, and also they refused to stop making another attempt to take the money out again, and also stated that it will take 5 business days to fix the issues if not at least 48 hours but I am left with no money in my bank to spend on my food, commute, and i have an international travel coming up in the next few days and now I can't prepare for my travel, and i have things to take care before I leave the country as it will take another 2 to 3 months to return. They have caused a lot of damages emotionally, health issues, and also a long term damages by not allowing me to take care of certain things before I leave the country. This is done intenationally as they have been causing a lot of emotional trauma by practicing unthethical ways to indirectly threaten me and put me under a lot of pressure constantly just because they bought my account. I believe they bought my account intentionally as I have been harassed from the day my account was moved to them, and they also keep information from me and caused a lot of frustration where CFPB got involved earlier to make things right but now they are keep causing a lot of emotional distress as if they expect me to lose the home to them or they are making an attempt to force me to pay off the loan or just framing something around me by having a overdraft on my account.
Product: Credit card

We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.
Product: Credit reporting or other personal consumer reports

Capital One Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

Per Capital One website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' Capital One Card customer service would not acknowledge the due date of 16th on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, my loan servicer was changed from the money source to Mr. Cooper and this complaint is against Nationstar Mortgage dba Mr. Cooper. XX/XX/XXXX is when my first payment was due and I promptly made a billpay payment on XX/XX/XXXX from my ally bank account to Mr. Cooper. The issue is amount is debited from my bank account but the payment is not being reflected on my mortgage account. I have provided Mr. Cooper with credit trace number of transaction, my bank account statement, bill pay account payee proof but they dont seem to care about all these and havent resolved my issue. I have even filed a dispute with my bank and they are also backup I guess and dont want to resolve the issue. I am at a loss of {$1700.00} because of this and I want you to intervene and resolve the matter for me. I read online and I learnt that mortgage companies are notorious in not reflecting correct payments especially after new servicer takes over. This needs to stop.
Product: Credit card

On XX/XX/2024, I noticed several features were not working correctly on my Discover Card app. I called to check on the status of my account. I was informed that my account was closed because I did not reply to an email that they claim was sent in XX/XX/2024. I did not receive this email, nor did I receive a letter in the mail or a phone call. They claimed that since I did not reply to their email, that my account was closed on XX/XX/2024. I did not receive any notification whatsoever that my account was at risk of being closed. During this time, I was working with my mortgage company to get a home equity loan. Part of the proceeds of this loan was used to pay off my Discover card balance. I even called Discover card and communicated with them what I was doing and why. There was a delay in closing the home equity loan and it caused a payment to be late. I called discover and they even refunded the late fee. At no time did they indicate anything that made me thing that my account was at any risk whatsoever. Shortly after they refunded my late fee, the account was paid off and is at XXXX balance as of now. Not knowing that I do not have this credit has greatly impacted me and my family as well as the damages that it will cause when my credit score drops due to their fraudulent and deception. I have the legal right for, at very least a letter of intended adverse action. I did not receive any notification whatsoever, not even on my app, which is how I always monitor this account. Ive been a good customer in good standing for 8 years.
Product: Credit card or prepaid card

Had a credit card from a furniture company with Wells Fargo. Paid the card off in XXXX asked to make sure my automatic withdrawal was cancelled was told it would be. Money was taken out of my account in XXXX for the account that had been closed and paid per the agreement. I called them twice. The first call was XXXX XXXX and the guy was totally incompetent. Called again in XXXX and was told that I had to wait 45 days for my money which they took out of my account against my permission. That is fraudulent. I met my obligations and they didnt meet theirs. As of XXXX I still have not received my money which they should pay interest on.
Product: Payday loan, title loan, or personal loan

I have sent multiple disputes and complaints about this account I have paid it in full and the representative agreed once paid settled they will remove it off my credit report. it is still on my credit report and is showing as if it hasn't been paid off it is showing a balance of {$2900.00} on my XXXX  credit report. I have proof that I've paid this settlement balance off by check I will upload the proof this has been reporting on my Credit report and inaccurately for over a year which is preventing me from getting credit from other lenders and messing up my reputation. 

Loan ID XXXX CUSTOMER ID XXXX