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

Experian has re-inserted negative information on my report that has already been deem fraudulent and has been removed. They are in violation of the law. The following accounts are not mine and need to be removed : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX # XXXX
Product: Student loan

On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
Product: Checking or savings account

I mobile deposited a check on XX/XX/2023 and was told the money would be available in my account {$190.00} on XXXX XXXX. I checked my account early in the morning of XX/XX/XXXX and my deposit was in my checking so I paid two bills and made a couple purchases online. I make it a habit to check my balance every morning and evening. On XX/XX/2023 I checked my account balance and found out that Wells Fargo pulled the deposit back out of my checking account and I now have a negative balance but they didn't take the entire amount I deposited they only put me negative what was left in my checking account. How can they get by with depositing the money in my account for XXXX XXXX hours and only take what I didn't spend back out? I believe my account is negative {$94.00} dollars and some change.i filed a complaint and nothing was done by XXXX at Wells Fargo. XXXX said he checked into the matter and they were not putting the money back into my account. In some way everything about this situation screams illegal! I'm going to push this if I have to hire an attorney. Wells Fargo should have go put the money back into my account. Any assistance will be greatly appreciated and if you can direct me to where else I can file complaints please.
Product: Money transfer, virtual currency, or money service

Discover Bank restricted my XXXX account upon a fraud claim by a person I sold a good on XXXX That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called them, they couldn't help me with activating back my account to made me call to them and XXXX back and forth. Now I can't use and enroll XXXX through them.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} COMM XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$350.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of this year, I applied for a deferment on my monthly mortgage payments ( {$1000.00} ) due to a short-term XXXX hardship. I had XXXX XXXXXXXX on XX/XX/2024, with a XXXX to XXXX weeks recovery period. As requested by South State Bank, all documents required for a deferment were filled out and submitted in a timely manner. 
I was denied my request. I appealed the denial and was later denied again. During this whole process, I have been given conflicting and inaccurate information by the XXXX XXXX XXXX Loss Mitigation department. For example, I was told by a representative of the Loss Mitigations support department to request a second appeal by explaining discrepancies in the XXXX date and my return-to-work date. I later found out that the rejection of my appeal had nothing to do with the XXXX and back-to-work discrepancies, but it was due to my paperwork had not been sent in a timely manner. 
During this time, I have had another injury when tearing the XXXX around my XXXX XXXX which added up to another XXXX-weeks recovery on top of the XXXX weeks recovery from my XXXX. I have not even been able to relay this information to South States Loss Mitigation department because I have not been able to resolve the first request. 
From the very onset of this process, I have been asked to submit the same paperwork repeatedly, I been getting statements sent to me regarding foreclosure from the beginning, I have been provided inaccurate information, late payments have been reported on my credit report and I have been receiving calls repeatedly to my home by their collections department. I the meantime, I am now XXXX months behind going on XXXX months on my mortgage payments with no resolution in sight.
Product: Debt collection

On the date of XX/XX/2021 Santander consumer USA illegally processed an unauthorized ACH on a returned check, this caused my checking account to be severely over drafted impacting my living situation. Not only was this done without my authorization, this re-presentment of a hand written check that was almost dated a week ago and already returned for insufficient funds, was illegitimately processed a 2nd time causing an unnecessary financial hardship. Practices such as this seem not only unfair but deceptive.
Product: Credit card or prepaid card

have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z.

The company still refused to remove the charge even though there is no singed receipt for the amount. company is claiming that are complying with interchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 US DEPARTMENT OF EDUCATION loans that are incorrectly being reported. The status of the accounts should reflect the same for each consumer reporting agency. XXXX has all these accounts as paid on time with no missed payments. However, Equifax consumer report is not reflecting the same and it is damaging my credit and character from this low reporting score. I have requested Equifax to correct this error however, it has yet to be updated. 

There is also a XXXX XXXX XXXX XXXX XXXX account that is reflecting on my consumer report however this is not my account, i was an authorized user but the account does not belong to me. It is also damaging my credit and character by having this account reflect as a CLOSED account.
Product: Student loan

I had to private student loans that were serviced by AES. The owners where XXXX XXXX in National Collegiate Trust. I served in the military to pay off a portion of my loans. My incentive was a {$65000.00} student loan repayment of which XXXX went toward the loans and XXXX went toward taxes. I initially owed {$82000.00} and after the XXXX was paid my balance was {$78000.00}. My loans were not dispersed correctly, as as was supposed to pay off my private loans before any of my Federal loans were paid. This did not occur. I became XXXX while serving in the military and requested that the owners of the loan forgive my loans based on my service-connected XXXX. I sent all documentation request through AES, who was suppose to forward it to XXXX XXXX and NCT. XXXX XXXX loans were forgiven but instead of AES handling it correctly they sent my account info back to XXXX as a defaulted loan. I was notified of a delinquent account by my dad, who received the letter. This letter almost caused him a divorce and was wrongly sent to him. Somehow my account was transferred from AES back to XXXX in a delinquent status even though they had been forgiven. I continue to pay on the NCT loans and they continue to go up. Currently I am paying only on the interest that was accrued during my military service. The loans have been paid dollar-for-dollar but I continue to have to pay on capitalization and interest which is the only amount due on my loans. I don't believe that AES has forwarded any of my requests to the loan holders, which was confirmed by XXXX XXXX today. I can not get in touch with NCT in order to request the loan forgiveness because there is no phone number for them.
Product: Debt collection

This account is fruad. XXXX XXXX Never got a proper validation of debt. This account is fruad. I noticed this account reporting to my Experian consumer report. Experian violated my rights as a consumer under 15 usc 6802. They never operated under the law by reporting a negative collection account to my consumer report. Experian is reporting a fraudulent collection account to my consumer report From a debt collection company named XXXX XXXX. The account reports a XXXX dollar collection account. Experian is in violations of my by reporting a medical debt under XXXX dollars. It's a violation of my rights as a consumer. I request monetary remedy. Invoice needed for this matter. EXPERIAN 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION ... .. Experian is in violations of the law. Fair Credit Reporting Act. XXXX XXXX needs to be removed from my consumer report. Its fraud ....
Product: Credit reporting, credit repair services, or other personal consumer reports

violations reported on File Number # XXXX XXXX - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported.

Dear Transunion : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Transunion also has neglected to correct my profile which clearly shows to be a mixed profile which TransUnion refuses to fix. 
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
Note : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account.. 
XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Transunion previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
XXXX. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account. 
XXXX. ) Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Transunion via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 
XXXX. ) Deffered Payment Start Date : this data is missing, it would showcase XXXX began in XXXX yet XXXX is reporting XX/XX/XXXX to be 120 days past due. 
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Transunion neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
XXXX. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX XXXX for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
XXXX. ) Missing payments : No payments are being reported, but if I was late I am sure Transunion would report that.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that can not be verified is listed on my credit reports. I attempted to contact the company, Midland Funding LLC at the address listed on the credit report. 
Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX This letter was sent on XX/XX/XXXX. During the investigation by XXXX, the address for Midland Funding was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by XXXX has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called Asset Acceptance , LLC is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.
Product: Debt collection

Southwest Credit systems had called me around XXXX, to inform me about a debt I had with XXXX,, I communicated with Southwest and told them I had no knowledge of this debt, ,I ask them to mail me proof and I would get back with them to discuss it,, I never received anything in the mail, and a collection was put on my credit for XXXX.. I called and got the info, about this debt, ,they told me I made a payment of {$460.00} on XX/XX/2019. Then the account was suspended on XX/XX/2019... I would like proof, I believed the charges are made up, trying to extort monies, they did not give me chance to communicate with them, ,and if I made a payment of {$460.00} how can service be turned off one month after a payment of {$460.00}, these charges are false, and just trying to destroy my credit, it bought my scores down XXXX  points as a result of this 1 collection, ,an its an unfair practice,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed some inquiries that didn't belong to me
Product: Checking or savings account

i had an account with wells fargo and they refused to give me my funds even after proven the account belonged to me i opened the account inside of their bank and the teller mispelled my name and refused to fix it then when my XXXX transfer came in from a settlement which i was not to talk about this bank made me show them paper work and when i tried to close this account they stole my money and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting wrong info on credit report Unverifiable information, unable to provide proof of ownership for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with XXXX and Equifax pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Product: Credit card or prepaid card

I processed a balance transfer off from my BOA credit card to my debit card on the XXXX of XXXX. After waiting the 7-10 business days I called in to check and they said to give it another couple of days. Still nothing so I called back and found out that the check was mailed to the wrong XXXX address. I asked to cancel the check and reissue to the correct address or do a wire transfer. They said to wait a few more days because they would hate to cancel the check and it be ready to be processed. So again, I waited. Still nothing so I called on XXXX the XXXX to cancel the check and reissue the transfer. That representative told me that it should not have let me put my debit card in as a transfer because it is for credit cards only and they check would not be deposited. So I put in another request this time for a XXXX transfer to my checking account at XXXX and XXXX to my credit card at XXXX. Right after my account was flagged for fraudulent activities. I logged in to my BOA account because I had still not received the funds to my checking account and it said to call the fraud number. They claim they were calling me with wrong numbers. I verify by my cell phone with every call so I am not sure what the disconnect is there. They were able to take off the hold on the balance transfer to my XXXX account. At first, he said it would be in my account by the XXXX ( 3 days ). I was upset and he was able to expedite this to tomorrow the XXXX. I asked him about my XXXX transfer to my XXXX credit card and he said it was canceled on the XXXX and would need to be processed again. He transferred me to that department. Understandably I was upset when the representative said it would take another 7-10 business days. I asked if it could be expedited due to BOA multiple errors. She assured me that it could not due to the timelines of processing with the other bank. I asked for a supervisor to see if they would be able to make things right. He said that the processing time is 3-4 days and would you like to process that now? I said can you do anything as a longtime customer with multiple issues regarding this transfer. He stated BOA does not have any type of incentive to make things right with customers when BOA makes mistakes. I understand they happen but as a big business, you would think you would have a department that would handle situations like this. His solution was to open a NEW account to save the 4 % balance transfer fee. Why would I want to open a new account with a business that treats their customers like this and does not try to make it right?! Opening a new account in no way offers anything to me to show their appreciation as a customer and to acknowledge BOA errors. I lost XXXX $ in interest due to their errors.