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

I was directed by the TRANSUNION web site to get a free online credit report from a separate free website, but when I tried to access the credit report for TansUnion I was given an error that said they were not providing online credit reports at this time. So I tried to access the Transunion site to get an report and they said I would have to pay for a report since I already accessed my free one. Looks to me like a scam to get me to pay for a credit report that I should be able to get for free. Not sure why this is so hard for credit bureaus to be cooperative with consumers regarding getting easy access to privately owned data that's collected without our approval or consent to begin with.
Product: Checking or savings account

In XXXX I received a letter from Wells Fargo that requested, I change my home address to my physical address. I reside in an area, that is not served bt the USPS and we all have po box es. I changed it to a private address, that functions as a mailbox. After several weeks I received a similar letter, now threatening me, if I didn't change my address to my physical address, I would loose online account access. This is when I walked into the XXXX branch, showed them the letter, and asked why they were doing this? I also explained, that I had previiously had issues not receiving my bank cards, because they had send it to my physical address. The banker told me, that they had orders to request the physical address due to new laws. When asked which laws he referred to, he said he was not allowed to tell me! Could you please help me rectifying this? 
Sincerely XXXX XXXX
Product: Debt collection

ON XX/XX/2018 CONTRACT CALLERS INC SENT A NOTIFICATION ABOUT A DEBT. I RESPONDED ON XX/XX/2018 WITH A DEBT VALIDATION LETTER. LETTER WAS RECEIVED XX/XX/2018. CONTRACT CALLERS HAS NOT SENT ANY NOTIFICATION CONCERNING MY DEBT VALIDATION LETTER AS REQUIRED BY LAW, BUT HAS REPORTED SUCH DEBT TO XXXX, XXXX  AND XXXX.
Product: Credit card

Back at the end of XXXX I discovered there was fraud on my credit report. The way I found out was through a mortgage lender who showed me my report with many accounts that weren't mine. I filed a police report and used that to try and fight the fraud accounts personally, but I wasn't getting anywhere. Eventually I did get a letter from US Bank saying they removed most of the fraud activity on the card but not the card itself. I then hired XXXX XXXX XXXX to help me with this fraud case. They helped me by instructing me to file a fraud affidavit and notarize it as a supplement to the police report. After I did so we submitted the fraud packet to all the credit bureaus as well as to the creditors listed on my credit report. Two of the three creditors fixed the problem without any setbacks, but US Bank did not. They even verified to the credit bureaus this was a legitimate account when in fact it isn't. They still say that I owe them money. Since then, we've called numerous times to numerous numbers for US Bank. We've spoken with representatives such as XXXX and XXXX. I have also spoken with XXXX and others like XXXX. I've even spoken to supervisors such as one named XXXX as well. I've spoken to many more, but I won't list all the names. We've even been given the number to the investigation team which is XXXX. And we've tried sending them notices multiple times to different addresses which are listed on the credit report. We get them back as mail return and most of the times we are bounced around from department to department and ultimately to a voicemail. The few times we have spoken to people, like recently on XX/XX/XXXX when I spoke with XXXX, she said she is going to help us and that we will get a call back from somebody in a few days, but we don't receive this call. I started this in XXXX and now it is XX/XX/XXXX. Today I tried calling along with XXXX XXXX XXXX and we spoke to numerous people telling them my situation and how this was my last straw. If things didn't get resolved again today, I would proceed with suing them as they are preventing me from buying a house. I got transferred three times to three different representatives and finally hung up on. There is no more patience left in me. Please go after US Bank as I believe they will not help me and they are probably doing the same thing to many others.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX data breach.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My loanwas paid off in early XXXX, XXXX. Despite my changing my address online, Nissan sent my title to my old address, and it was returned to Nissan. When I contacted the customer service department, the representative updated my address, and I was told I would receive my title within 10 days. I waited 12 days and called again. I was told the title never went out. I was assured it would be expedited, and I would receive it within 10 more days. After 10 days, I called, yet again, and was told it was never sent. As of today, it still has not been sent out. This is over 60 days from payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. XXXX last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from XXXX to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, XXXX reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

XXXX MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California XXXX XXXX XXXX, which is four years. XXXX has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. XXXX NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my Equifax and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my Equifax report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX one last opportunity to resolve this matter amicably.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has made several mistakes with my account. 
-sending bills to the wrong address -sending bills to collections and giving the collection agency the wrong address -applying payment to the wrong account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the CEO of Navy Federal Credit Union XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from NFCU since XX/XX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and NFCU accepted responsibility for the error when they requested the late payments to be removed after the research was completed.
Product: Student loan

My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.
Product: Vehicle loan or lease

West lake financial claims they did not receive my XXXX payment of XXXX. I was not informed about this until XXXX. When I contacted customer service they said they needed proof of payment. I sent them the attached bank statement which I had to get from my bank, showing where the amount was taken out of my account on the due date. They replied saying they needed to see the whole month of XXXX. My bank sent it to them and they claim it was insufficient and they need the transaction number. The customer service rep then said if we do n't receive payment today they will repo the vehicle. I believe I have shown them sufficient proof of payment, they took my money now I want it to show on my account it is paid. They also hit my credit report with a 30 day late payment that I want taken off. I have been paying on time and they have no right to be doing this to me or anyone else!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has failed to correct an error in their reporting of a credit card account after the credit card financial institution XXXX XXXX XXXX XXXX XXXX changed the account number of my credit card and reported to Experian to the change. Instead of changing the account number and deleting the old number Experian just dropped the Credit Card account completely. The other 2 credit agencies show the change, but Experian did not and has failed to correct the problem after several months. I believe as a result of their incompetence it caused my FICO score with Experian to drop 40 points less then 2 weeks and damaged my credit options. I have spoken to both Experian and XXXX XXXX XXXX XXXX several times. XXXX XXXX informed me they have requested Experian to correct their error, but Experian continues to fail to do so.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/2022 I ordered two beds, one was accidental Due to accidentally signing on as a XXXX customer. I contacted XXXX, returned the bed and was given a refund XX/XX/XXXX. On XX/XX/XXXX, an additional charge from XXXX was on my Barclays credit card statement. I contacted XXXX, thats when I found out I had XXXX different accounts, I was in touch with the supervisor who told me that they issued me a credit in error, so they charged me to reverse the credit. There is no credits on my statements outside of the one Ive already mentioned and from Barclays giving me provisional credits with the recharged me and all of that balances. XXXX referred me to my credit card Company Barclays Bank US again, since all charges were made through Barclays credit card and I filed another complaint. Although I have several letters from Barclays advising me The first two complaints, professional credits, resolutions and refills. the third complaint is the one That has not been resolved. The resolution letter is included that says the XX/XX/XXXX charge was refunded to me on XX/XX/XXXX. That is incorrect that refund was issued for the return of the 2nd bed purchased XX/XX/XXXX. 
When I look at my XXXX account, it shows I am owed a refund. I tried to call them about the refund nobody could help me despite it says to call them. Again I was referred to Barclays bank, I have been attempting to get this resolved since it all started in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions gone through the process off trying without remedy, to get the accounts and inquiries causing me hardship, infringing on my right as a consumer too privacy and causing me to lose confidence in the banking system. The same confidence that is essential to the banking systems productivity in commerce ; removed. Pursuant to 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) ( iii ) - my consumer report shouldnt contain information solely as to the transaction between me and person makin the report. nor was i given the oppourtunity to direct that this information not be reported... Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) -a consumer reporting agency may furnish a consumer report in accordance with the EXPRESS written instruction of the consumer. I, the consumer never gave EQUIFAX my EXPRESS written permission or consent to furnish anything on my consumer report, ... no consent constitues fraud ... Pursuant to 18 U.S.C. 1028a - knowingly transfers, posesses, or uses without lawful authority, a means of identification of another person .... constitues aggravated identity theft prior cfpb complaint was closed stating more information needed as to account numbers etc .. you have just received correspondance with such. 

ATTACHED IS PROOF OF DELIVERY AS FOLLOWS : Certified Mail receipt number : XXXX XXXX XXXX XXXX XXXX Return Receipt number : XXXX XXXX XXXX XXXX XXXX XXXX signed for and recieved on XX/XX/22 XXXX am FTC identity theft report reference number XXXX PRIOR CFPB COMPLAINT ID : XXXX
Product: Mortgage

For one year I have requested information and answers only to be talked down to, humiliated, degraded, and then told that the office of the president at Wells Fargo no longer handles assisting borrowers with saving there homes, the modification process and financials you would need to contact a different department. My question is, why for the 1 year that I asked for a modification package, short sale or deed in lieu package was I NEVER TOLD THEY DIDNT HANDLE until after the fact. Maybe if I knew this I would have sent the information in 8 months ago, maybe if I was told not to worry about the foreclosure because I was working with the XXXX I would have gotten ahold of someone else way back when. It was n't only about the other issues It has always been about saving my house!. XXXX states well I told you in my last letter we did n't handle it and where to fax, really you just got involved, what about the last person for 8 months that said nothing! I am sorry what have I been doing for one year, you wait until its in the last legs of foreclosure to say oh hey we do n't do that here. Wells Fargo and its employees have no empathy, no compassion and sadly make excuses and blame the borrower, they will continue to skirt around the issues and make homeowners continue to lose there homes. I am uploading the same financial package I have faxed over to Wells Fargo hoping it gets in the hands of someone who wants to help people. The rep 's do n't know our stories nor our situations, so passing judgement and making a person feel worse then they already do about there situation is sad. Also, for the title issue, its not resolved. Nor is anything else.
Product: Money transfer, virtual currency, or money service

I made several purchases using Zip and paid them off in full. After completing my payments in XX/XX/year>, I tried to use the Zip app again in XXXX, only to see a notification stating that my credit was frozen and that a Zip representative would contact me to resolve the issue. Despite waiting for several days, I havent heard from anyone at Zip. Since then, Ive been trying to resolve the situation, but every time I speak with a representative, they tell me the issue has been escalated and that someone will reach out within XXXX hours. However, I continue to face the same runaround with no resolution. Ive also confirmed with all three credit bureausTransUnion, XXXX, and XXXX my credit is neither frozen nor inactive. Ive attached several documents, including a physical Zip card I recently received for in-store payments, but Zip has failed to address my concerns or contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, 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 and the inquries is 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. Can someone help me Im doing this by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is a general one after dealing with XXXX and Equifax today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.