23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One approved a business credit card without my application. I received an email congratulating me for the approval. When I called to report fraud, I was told I had another credit card application that was flagged for fraud and closed. I was never notified about the first fraudulent card. Capitol One should not be allowed to process credit card applications without verifying information with the applicant. In addition, they should be required to notify individuals when applications have been submitted fraudulently so the individuals can take appropriate protective measures. My credit is now frozen however Capitol One should be required to change their processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I filed a dispute online with Equifax and XXXX. I stated several times that I did not authorize the inquiries and they insisted that they were mine.
Product: Debt collection

CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 
I feel i was negatively impacted by Transunion hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.
Product: Credit reporting

Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Experian for reporting XXXX collection accounts to my name that have been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Experian, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. That is when Experian began sending me, what I suspect, were letters to stall me and discourage me from pursuing anymore evidence or verification. At least XXXX times on XX/XX/XXXX and XX/XX/XXXX they responded to my concerns with letters claiming that I was being " suspicious '' and potentially " fraudulent '' and that they refused to process any more of my disputes. I am so confused by how a credit reporting company, who has my California drivers License, social security card, bank statements and everything else necessary to verify me can still accuse me of not being me. I have almost felt as though they wanted to pursue legal or criminal action against me! I felt threatened and now I have no where else to turn regarding some inaccuracies and false reporting. I have also filed CFPB complaints against XXXX in XXXX CA, for illegally and fraudulently reporting onto my credit file with Experian. Under FCRA guidelines I am aware that as a consumer I have rights to dispute inaccurate and invalid items and that my credit must be reported with 100 % accuracy and this is absolutely in violation of that and can not threaten me for disputing inaccurate information. I truly question the tactics Experian utilizes to verify disputes.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a XXXX about XXXX years ago which I paid off and attempted to close in 2020. At XXXX point I had my entire banking relationship with XXXX, but had been treated so poorly, I chose to move all my banking and close all my loans years ago. I thought I was finally done dealing with XXXX until last week when I was working on a construction loan and the loan XXXX at my bank asked what the XXXX XXXX was with a balance of {$280.00}. I told him I did not have a loan with XXXX so I call your customer service. 

I first talked to a nice young lady who continued to tell me that she could not close my loan until I made a payment. I told her I don't know what she is talking about and I don't own any money. I asked for her supervisor. I was transferred to XXXX who told me there were years of annual fees that he felt were valid since he couldn't find any conversation notes that I wanted the account closed. I told him I was not paying XXXX more XXXX to XXXX and loan should have been closed when I paid if off. I asked to speak to his XXXX. I was put on hold and then hung up on. I called back and was again escalated to a supervisor named XXXX who continued to repeat the same thing that I had to make a payment and send a letter to close my loan. She refused to close the loan. I finally gave up trying to talk to someone. 

I attempted today to log on to your online banking, but not surprised to find that I have been locked out of my online banking because I have not logged in in so many years. I tried to call your customer service again to get my online banking reset. After verifying everything you could ever want to verify I asked to reset my log in and was told I had to call back from the phone number because that is the only way they can reset my online banking, so I can send a written letter saying I want an account closed that I closed 5 years ago. He even told me I don't even have a valid card any longer so they would have to create XXXX for me. 

How can you charge me annual fees for an account that has not been active for so long that I actually don't even have a card to access any of the money you are charging me the fees to have access to? I am also pretty sure your charging me interest and late fees on your annual fees as the balance is {$280.00}, but I can't verify because your customer service won't unlock my log in. The original amount I borrowed if I can remember correctly was about $ XXXX and I am pretty sure I have paid XXXX about $ XXXX in interest since I opened that line. I would say you more than made your money off of my family. 

I can't even tell you the full account number as I don't have access to it online or have a card, your customer service won't help, and all I have is the last XXXX digits. I want the account closed, the funds removed, and my credit updated to show this account is closed.
Product: Credit card or prepaid card

XXXX XXXX  has Charged {$4400.00} On my Bank of America Credit Card. Ive Submitted A fraud Report to Bank of America about these charges, but Bank of America closed my fraud claim and is refusing to refund these charges as " They are consistent with previous activity. '' And therefor I am unable to receive my refund. 

My Only service with XXXX  is the Internet Gig Plan. 
According to my Bill, It is only to be $ XXXX/month
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX, # XXXX Dept of Ed/XXXX, # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX, # # # # # # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of Ed/XXXX XXXX XXXX XXXX Dept of Ed/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX  # XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I reached out to Klarna Inc to refund my money from an unauthorized transactions. The transaction occurred over six months for a total of {$3000.00}. Which were XXXX each. I was told two days ago that a representative would contact me to provide my bank claim information. I haven't received a call or email from the company about this compliant. Can someone please reach out to me so we can resolve this matter and get my funds returned back to my bank account. Thanks!
Product: Student loan

I was told I could consolidate my student loans from XXXX to XXXX under Public Service Loan Forgiveness plan of 10 years maximum repayment, and I would be credited for payments that I previously made due to new program that began in XXXX XXXX. ( this is 3 years of payments ) The third party company is USA Student Loan, XXXX XXXX XXXX XXXX XXXX, XXXX FL Contact XXXX XXXX phone XXXX and XXXX XXXX phone XXXX. 
I paid a upfront fee of {$690.00} on XXXX/XXXX/XXXX, loan was consolidated but found out this service is free through XXXX phone XXXX, now my student loan has lost the benefits that I would have otherwise been able to utilized if I remained with XXXX, total loan consolidation is {$28000.00} of XXXX payments opposed to the XXXX payments XXXX XXXX told me during the initial phone conversation. I have left messages and sent emails and no one has returned my phone call. 
In addition I had to change usernames and passwords that were created on my behalf, I feel that my identity has been compromised and I have no resolution. In regards to the student loans I need to be assured my loan is the right plan and there will be not future negative impact to my credit and liens and or taking of tax returns due to defaults.
Product: Debt collection

On XX/XX/XXXX, a negative debt collection was added to my credit report for {$39.00}. On further investigation, it was related to a cable modem I'd returned a year earlier when I moved from XXXX  to Georgia. XXXX XXXX XXXX XXXX had told me that I could return the modem at any XXXX  even when in XXXX. This turned out to be false. At the time their website was experiencing issues and no one over the phone would give me any information. My account is still mangled and I pull the wrong account number when I go to their website. To this day clicking on any options off the main screen yield an error ( multiple browsers, multiple computers, multiple networks ). I most likely wrote this number on the package. I returned the modem at my own expense. Note that they were charging me XXXX XXXXmo for a modem that was worth apparently {$39.00}. I used it for over 6 months. 

I DID have my mail from my old address forwarded by the post office. Spectrum made no attempt to contact me on my email which they had, mail or other means. After about a year, they decided to send me to collections. To this day it still says I owe {$0.00} on their website. When I called them they promised to " investigate '' but said they won't allow a bill dispute for a bill over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The specific problem is that via XXXX XXXX & Experian XXXXs XXXX XXXX scoring methodology, I saw my credit score drop from XXXX to XXXX in a very short period of 2 weeks, and when I called and spoke to a XXXX XXXX rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop ( XXXX XXXX 2017 score XXXX ; XXXX XXXX 2017 XXXX ; XXXX XXXX 2017 score XXXX ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. 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 15 USC 1681. 

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 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 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00}
Product: Credit reporting or other personal consumer reports

trying to login to my account i get sent to a screen saying unable to complete request. when i try forgot password they never send the password reset email
Product: Debt collection

On XX/XX/2022, I spoke with a representative from Harris & Harris that would only identify themselves as " XXXX XXXX '' in regards to a medical debt they claim I owe. During the phone call, " XXXX XXXX '' was short and rude with me. I asked for debt validation, to which I was given the information that I would have to contact another company ( XXXX ) to get that validation and verification. I asked " XXXX XXXX '' to no longer call the number they had on file for me and was proceeding to ask other questions when she hung up on me. I called XXXX and they were not able to find any debt that was owed and had no idea why this other company was contacting me. 

Today, XX/XX/2022, I had XXXX calls from them within the hour between XXXX. I advised the first representative that I had already asked for them to no longer call me, to which she said that the previous representative on Tuesday " should have '' put that in the system, but they did not do that. She then proceeded to try and collect the debt. I asked them how we could rectify this situation since they were not supposed to call. She placed me on hold and a person that identified themselves as a supervisor named " XXXX '' came on the line. He, at first, said that the previous rep did in fact put my name on the do not call list. I persisted asking why they would still call to which he responded that he has now put me on a " global supervisor '' list. So he is saying that my number was put on the list originally and they still called ( which is a violation ), but the other rep just before him said that my number was never placed on the list but still persisted with trying to collect the debt when she knew that the call shouldn't have been made ( still in violation ). I asked XXXX for verification of the debt, for validation that they own the debt, and verification that they are authorized to collect the debt, to which he claims they have already sent me " XXXX '' validation letters ( that I have not received ) and they do not own the debt. XXXX gave me XXXX " debt '' numbers and claim that I owe XXXX debts to this other company in the amounts of {$40.00} and {$150.00} and told me that the company XXXX may in fact not have record of these debts since they are in collections and not an active account ( just contrary to what XXXX XXXX told me ). They do not seem to know who owns the debt, where the debt is, and are giving me conflicting information.
Product: Credit reporting or other personal consumer reports

I XXXX  my vehicle that had a loan opened through XXXX XXXX XXXXXXXX XXXX. I received a letter in the mail from a XXXX asking me to call her. I got in contact with her and I agreed to continue making payments on my vehicle until it was paid off. We can up with a payment plan that would have the loan paid off by the end of the year. She also asked me if I wanted them to place my vehicle with a company they use to auction off vehicles, and I said yes. My vehicle sold and they deducted that amount from what I owed on the loan. I have an account with XXXX so I stay up to date on my credit report. XXXX XXXX XXXXXXXX reported that I did not pay off my loan and reported that my vehicle was a charge off, these reports negatively impacted my credit score, and it reduced my credit score. I went in to the bank and spoke with them, the individual I spoke to assured me that my account had not yet been updated, and after it was updated and showed that I paid off the vehicle in full, those negative reports would be removed, and the accurate report would show up, however, that was not the case. They never did report anything positive on my vehicle loan, even though I kept my agreement and paid off my vehicle before the end of the year. This dropped my credit score and it caused me to get a really high interest rate on the next vehicle I purchased, 12 %. I would like the information to be removed from my credit report. I paid the loan in full, and my credit report should reflect so. Thanks for your help.
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 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Experian refuses to remove a loan that was paid in full by forgiveness, i provided the proof of pdf rhat the federal government vis a vis servicer sent showing paid in full but Experian refuses to acknowledge ir or close the loan. I tried nnumwrous times, the service people on phone very rude and then they keep denykng request while XXXX others arw forgiven, and orhers have gotten Experian to remove it they refuse to do so for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed XXXX a certifed letter letter notifying them of several violations that they have commited against me and they have yet to fix this fraudulent issue. They responded on the CFPB website saying they dont recognize my name in their system which seems to be a stall tactic to be honest. I want this issue resolved immediately or I will be taking legal action
Product: Mortgage

I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.
Product: Student loan

I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. 

This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX
Product: Mortgage

Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home.
Product: Checking or savings account

This would be my second complaint as the first was no where near complete. I had a total of {$95000.00} withdrawn from my checking account and Wells Fargo returned {$35000.00} of it. They have gone on to say that the remaining amount was my fault and they " assume '' it was me. I have stated over and over that it makes no sense to refund any of the amount if you " assume '' I am the one who has done this. If Wells Fargo was so positive of this fraud being me, they would not have returned any of the money that belongs to me. There is more to the story and I have yet to hear any of it. I have still yet to hear where the money has gone or if there's even a little bit of chance I'll get the money back. Like stated, it makes no sense to refund some of the money but then accuse me of the other bit of it. No one would do such a thing.