23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting

Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.
Product: Credit reporting

I wanted to purchase an automobile on credit and the lending agency stated that my credit report stated that I was deceased and they could not proceed further until I got it straightened out. I contacted the credit agency they referred me to and got my credit report and nothing on it stated I had died but it did show my current credit card balances and and latest credit activity. So I called the credit agency and they stated that a credit card was cancelled in 1997 due to the card holder being deceased and that was the reason they reported me deceased even though they could see that I had current activity. I lodged a complaint to get it resolved and they stated it would take 30 days. I was not happy with the delay because it basically keeps me from getting any credit for 30 days until this is resolved. The credit agency was completely insensitive to my problem and still stated it would be resolved within 30 days. They did gave me the credit card issuer phone number and the credit card number that allegedly was reported cancelled due to card holder being decreased. I called the credit card issuer and they stated the credit card number provided by the credit agency was incomplete and they could not help me. But they did state the the numbers provided was an very old credit card. In my opinion this reporting error is due to complete incompetence on the part of the credit agency when their own current records clearly show that I am not decrease as reported by the credit card company. It is clearly their reporting error and their mistake that is basically keeping me from getting any kind of credit until this is resolved. Something needs to be done to keep this from happening to other people including credit agencies need to be required to immediately to review their own records to determine if the alleged death is remotely true based on current activity.
Product: Credit card

XXXX authorized a new account on XXXX/2024 after I froze all three credit reports on XXXX/2024. 

A new PayPal account in my name was opened today XXXX2024. On XXXX/2024 a {$600.00} charge was made.
Product: Student loan

On   XXXX   XXXX   , 2017, I at tempted to pay o ff one of my two cons olidated loans serviced by  Navient. Navient  's web site makes it impossible to designate my payment to  one of m  y two lo ans. It automatically selects a loan and I want to pay off the other  one.  As a result, I have to mail my payment. Mailing increases the interest I will have to pay to  Navient  because I can not pay it off immediately and Navient will charge me interest during the delay. In addition, it is nearly impossible to obtain information on their web site regarding pay off methods. Indeed, there is no option in the payment section to pay off a loan. It is clear that they want to make it very difficult to pay off a loan early in order to discourage pay offs.  <P/> This is the second issue I have had with Navient - several years ago they changed my payment amount, which would have extended my repayment duration, without authorization or notice - until the new payment amount was deducted automatically.  <P/>  Navient  is not borrower-friendly and this is a detriment because these are student loans, which are effectively required to attend college or graduate school and lenders and servicers can not be chosen as they can for mortgage or other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for 3 years. This company is reporting a date of XX/XX/XXXX amount {$1800.00}. This was an unrelated business with Transworld Systems court settled dated XX/XX/XXXX dismissed amount {$1300.00}. Transworld has verified a fraud unauthorized signature of which I have and verified fabricated amount to the credit bureau 's. I've never signed any contract with this company. The inaccuracies are clear ( note : dates and amounts ) and must be permanently removed under the law of fair consumer reporting act, I've even sent the credit bureau 's court document. I want this removed immediately this has caused unnecessary housing hardship for me along with stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On XXXX XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA 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 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies, have 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 was XXXX  & my personal information was stolen including debit & credit cards. Someone stole the money from the Credit card so Chime financial blamed me even though I went through the XXXX XXXX XXXX I gave them a copy of my XXXX  paper. They denied me of a replacement card & membership.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

CHASEBANK CASE # : XXXX CHASE EXECUTIVE OFFICE XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX MY XXXX XXXX XXXX WIFE WAS SCAMMED INTO THINKING SHE WAS TALKING TO AN XXXX XXXX & THE INDIVIDUAL HAD HER RELEASE {$480.00} FROM MY CHECKING ACCOUNT ENDING IN # XXXX. INITIALLY CHASE REVERSED THE MONEY BUT AFTER 30 DAYS THEY CHARGED MY ACCOUNT BACK FOR THAT AMOUNT ( {$490.00} ). I SPOKE WITH AN INDIVIDUAL ( XXXX? ) WHO TOLD ME THAT THE MONEY WAS AUTHORIZED BY MY WIFE. HOWEVER, MY WIFE IS NOT A SIGNATOR ON MY CHECKING ACCOUNT. SHE HAS NEVER BEEN. MY PERSONAL, CHECKING ACCOUNT WAS OPENED WITH CHASE IN XXXX  & MY WIFE HAS NEVER BEEN A SIGNOR ON THAT ACCOUNT. I AM THEONLY AUTHORIZED INDIVIDUAL FOR THAT ACCOUNT. CHASE WON'T REVERSE THE CHARGES. I JUST RECEIVED A LETTER FROM CHASE DATED XXXX STATING THAT MY CLAIM IS BEING DENIED BECAUSE THE XXXX TRANSFER WAS PROCESSED CORRECTLY BASED ON THE INFORMATION ENTERED. THAT IS TOTALLY FALSE! AS STATED PREVIOUSLY, THAT TRANSACTION WAS DONE BY MY WIFE WHO IS NOT A SINATOR TO MY PERSONAL CHECKING ACCOUNT. I CALLED XXXX & THEY TOLD ME I NEED TO DEAL DIRECTLY WITH CHASE. CHASE HAS REFUSED TO TELL ME HOW THEY ARRIVED AT THEIR DECISION TO DENY MY CLAIM. PLEASE HAVE CHASE REVERSE THE CHARGE OF {$490.00} & PUT THIS SUM BACK INTO MY CHECKING ACCOUNT ENDING IN # XXXX,
Product: Debt collection

On XX/XX/XXXX, I received information XXXX XXXX, via Select Portfolio Servicing , INC is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XX/XX/XXXX ( File # XXXX ). Neither XXXX XXXX nor Select Portfolio Servicing , INC has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XXXX  and Select Portfolio , INC is attempting to foreclose on property in which they do not have a security interest in. On XX/XX/XXXX, XXXX ( XXXX XXXX ) stated they sold the loan to XXXX XXXX XXXX  Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for an auto loan from my credit union ( XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX Credit Collection Services however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Product: Credit reporting or other personal consumer reports

A new collections account with XXXX XXXX XXXX XXXX was added to your Equifax credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

After being transferred to four different departments, hung up on twice on two different days, including being hung up on by the department that was supposed to handle the concern. I am nowhere near getting our money returned to our personal account as it was an unauthorized withdrawal of funds from a personal account to pay for a business credit card account payment. The statement date indicated on the statement, including the past due amount, was not due until XX/XX/XXXX the amount was withdrawn on XX/XX/XXXX. 

In the department that I was told to contact ( Collections XXXX, XXXX XXXX, was the Bank of America supervisor I spoke with ) to get an offset reversal. She denied the reversal and indicated that they were authorized to withdraw those funds because they included it in the terms of our credit card agreement. I asked them to explain the withdrawal and provide any relevant terms from the agreement that allowed them to do this. She stated that they do not provide written responses and that the information was on the website. I told her that she could not hold us to an agreement that we do not know of, and have not signed in agreement with. Therefore, I asked for written confirmation from the bank outlining the reasons for the withdrawal and citing the specific clauses in our business credit card agreement. She declined. I requested a refund because the withdrawal was unauthorized. She declined. The credit card statement indicated that the amount ( including the past amount due ) was due on XX/XX/XXXX. However, the amount was withdrawn from our account on XX/XX/XXXX without our knowledge or authorization. I also asked for the funds to be returned while they review the situation because they did not provide notification of this withdrawal, and/or indicate the clause within the agreement that allowed them to do this. She declined. When I asked her to transfer me to her supervisor, she remained silent on the phone for about five minutes and then hung up the phone.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a few inaccurate discrepancies. These are showing late payments and delinquencies that I believe are inaccurate, incomplete, or unverifiable. ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XX/XX/XXXX shows late payments ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX shows late payment ) ( XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX shows late payment ) These accounts showing negative information on my credit report reflexes inaccurate information,
Product: Student loan

I have several student loans and I 'm having a hard time repaying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like dispute incorrect statements on my credit report.
Product: Debt collection

XXXX emergency services is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.
Product: Money transfer, virtual currency, or money service

I lost my phone on XX/XX/year>. On XX/XX/XXXX I went to get gas and my card was declined. Someone i do not know used my phone to cash app themselves XXXX from my chime account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has a XXXX XXXX  account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXX XXXX  also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX  XXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Student loan

FedLoan has missing paperwork from when my student loans were transferred from my previous student loan servicer, XXXX. Ive asked for this information many times.
Product: Payday loan, title loan, or personal loan

Lending Club sent my payment to an outsourced partner for collection after less than a month late. They sent this to their partner after multiple attempts to make a payment to my account. They have consistently messed up their processing. First saying that I can not make partial payments, then saying I can not make payments without signing up for auto-pay ( these are statements from their call center that I've learned to take with a grain of salt ) After attempting to pay the outsource partner, they admittedly forgot to process the payment. Lending Club added two months of non-payments to my credit report. Then, after finally begging lendingclub to accept my payments directly, my dispute only resulted in one month of non-payments being removed. 

Because of my exhaustion in working with such an incompetent company, I gave myself a break and said I will continue to pursue the removal in a few weeks. Last Friday I submitted a payment to my loan, and saw my online statement for the month 's status change to " processing-within grace period '' the money NEVER came out of my checking account AGAIN. So I went on the website, and I now incurred a late fee. I am Begging the CFPB to put an end to this nightmare and clear up the situation. How can our regulators allow this company to fail people time and time again? The worst part is that when I go to my online statement, my payment made in late XXXX is still in " processing '' status. This is a disgrace, I will not continue to be abused by proven preditory lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX : {$320.00} XXXX XXXX : {$62.00} XXXX XXXX : {$100.00} XXXX XXXX XXXX {$520.00}
Product: Debt collection

Debt was paid XX/XX/18, letter from Business Revenue Systems , Inc. dated XX/XX/18 was received for a debt from XXXX XXXX XXXXXXXX XXXX, XXXX ( creditor ). I called Business Revenue Systems, Inc. on XX/XX/18, talked to XXXX and XXXX who refused to call or confirm with creditor this debt is paid and there is no outstanding balance. 

XX/XX/18 - I confirmed with XXXX @ XXXX XXXX XXXXXXXX XXXX, XXXX that debt is paid and my balance is XXXX. XXXX informed me Business Revenue Systems , Inc. has the ability to look up my account in their system which again, would show a XXXX balance.
Product: Checking or savings account

On XX/XX/XXXX, I entered the PNC Bank, in XXXX, GA to make a {$9900.00} cash deposit. At this location, there are no bank tellers. I had used this branch to make a case deposite approximately two weeks prior. Following the instructions on the ATM, I was instructed by the live video teller, whose name is XXXX, to deposit the entire amount. I questioned this because I had been informed before that the machine could not handle large amounts of cash at one time. He told me to disregard that information and make the deposit anyway. I inserted the entire {$9900.00}. The machine door closed and the machine started counting the money. Suddenly, the door opened and the money was ejected from the machine. I pulled the large wad of bills from the machine, then it " spit '' several bills out. Those bills were crinkled, like the machine jammed. Then the machine went blank, and the teller was gone. The machine rebooted. 

An employee at the bank came out and we counted the money, and I only had {$9100.00}. I logged back into the machine and another teller appeared on the video screen. I explained to the teller, XXXX, what happened and she said there was no record of any previous transaction and there was nothing that could be done to retrieve my missing {$800.00}. The Branch Manager XXXX XXXX came out and we discussed the issue. XXXX XXXX said that she would handle the issue through a dispute. I asked that all of the information be provided to me in writing. I asked that she e-mail it to me. With XXXX still on the machine, I deposited the remaining {$9100.00}. In hindsight, I should have called the police and obtained a police report. 

Approximately an hour later, I received a phone call from XXXX XXXX with PNC. He informed me that it would be at least 10 business days until the dispute could be processed. He never mentioned returning my money. I asked that he e-mail me with the steps in the process. To date, I have not received anything. On XX/XX/XXXX, I e-mailed XXXX XXXX to inquire about the missing funds. She has not responded either.
Product: Bank account or service

My father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Bank of America. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Bank of America on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter.