23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The company ( WISE ) asked us for some documents and extra information about our transfers the day XX/XX/XXXX, they stated that it is a routine check. 

We replied and sent all the required information the day XX/XX/XXXX ( within the 7 days that they kindly asked us to get back to them ). 

After sending the documents, our account was " frozen ''. We could still access to the account but we could not send nor receive any transfers ( our provider stated that they were sending the payments and making the transfers but we never received them in our account ). 

After that we received an email saying that everything was fine, but we still had our account frozen ( we couldn't receive any transfers )... we tried to contact them to know what was happening and we were waiting for almost XXXX weeks for a response. I sent several emails, called a lot of times but they just stated that there was XXXX document still pending of revision. 

The day XX/XX/XXXX they just closed our account and asked for bank details through our appeal to refund our money back. Our account had around XXXX in balance, but over XXXX in pending transfers!! 

So after filling everything, they refunded us the money that was in the account which was around XXXX but we still don't know what happened to the transfers that never came! I tried to contact them several times but they don't give me any information. I talked to our provider aswell and they say that the transfers were made and none of them were returned to the sender So they are keeping over XXXX from us!
Product: Credit reporting or other personal consumer reports

I filed a dispute with Telecheck for stolen checks/forgery. They were quite quick in agreeing with me that the items were in fact fraud. I received a letter confirming the same. I called in to Telecheck to confirm I could start writing checks again. The rep said they'd stay on there until XX/XX/year>. How is that fair or compliant with FCRA? They're fraud, they should be IMMEDIATELY removed. I faxed a letter to them telling them to get these items removed ASAP or else I'd file complaints with CFPB and my attorney. No response AT ALL. Called about 45 minutes ago and got a supervisor. She talked in circles. She said the fraud items would stay on the report but would " be marked as fraud ''. I want them off. She also said I could start writing checks again but they couldn't guarantee approval. I asked her four times what that even meant. We were just going in circles at that point so I just ended the call.
Product: Student loan

On XX/XX/XXXX I made what I believe to be my XXXX qualifying PSLF payment, a payment that was due on XX/XX/XXXX. My employer and I filled out the PSLF application on XX/XX/XXXX and XX/XX/XXXX respectively, which Mohela received on XX/XX/XXXX according to their online portal. The application is still in " processing '' status according to Mohela 's portal, despite Mohela 's website which claims processing occurs in XXXX calendar days. However, Mohela did update my payment count to show XXXX qualifying payments, and XXXX payment needing employment certification, that payment apparently being for XXXX, XXXX. 

I believe the XX/XX/XXXX payment for the bill due XX/XX/XXXX should count as qualified, because my employer ( the XXXX of Alaska, Department of XXXX ) certified that I was still working for it on XX/XX/XXXX. I spoke to a representative from Mohela on the phone who said that, yes, the XX/XX/XXXX payment was the XXXX payment, and it does count for XXXX, but I still need my employer to certify that I was working for them in XXXX ( after the date of the payment ). Fortunately, I do still work for the Alaska Department of Law, so I will follow the supervisor 's advice and fill out a new PSLF application. 

However, I believe the supervisor and Mohela ( generally ) are incorrect. PSLF is based on making XXXX on-time payments, not based on a certain number of months being employed in a qualifying job. If the XXXX payment is made while the applicant is working in a qualifying position, the applicant is eligible, their application should be granted, and they should not have wait for another month to submit the application. 

I would like Mohela and DOE to grant my PSLF application, and more importantly, fix their misinterpretation of the law so that other other eligible persons will obtain forgiveness in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to the 3 bureaus ( XXXX, Transunion and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from XXXX, XXXX  and no updated information from Transunion in regards to my personal information being incorrect.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX
Product: Debt collection

Onemain financial has made calls to my HR employer about my debt and ways to contact me 3 times in the last 3 months. Along with that, they made repeated calls to my phone number to ask about the debt ( 6-8 times a week ), even though I told them to stop contacting as I am in the process of getting debt consultation.
Product: Debt collection

I sent this company a dispute letter on XX/XX/XXXX with no reply or response in regards to the debt they are inquiring and reporting. They inserted an account on to my credit report on XX/XX/XXXX without validating or verifying any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Block the items that are reported in my file Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable.
Product: Credit card or prepaid card

When looking over my credit report I was shocked to see a late payment on XX/XX/2015. Being that I always make my payments to you when I receive my statements, I don't even know how this happened. My only thought is that it got lost in the mail somehow.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason XXXX feels Im not following all the steps. 
DPT EDXXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with XXXX for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. Experian removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Product: Credit reporting or other personal consumer reports

XXXX received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/year>, and payment was made to XXXX on XX/XX/year>. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to XXXX or XXXX for the merchandise.
Product: Checking or savings account

I was scammed by a fake person within my university that I attend. They were able to make a fake check and fake my signature which was able to go through the " Security check ''. The bank was not careful and did not take the time to carefully observe the check which was obviously fake. The check went through, and the scammer was able to take {$1400.00} out of my checking and savings all together. The bank then left me with {$200.00} and told me that I would not be able to get my money back. Being that I am a first-year freshman, I signed up for work study and was given this " fake '' professor. Due to my banks error on carefully analyzing my account, I now have lost all of my money and have no way of getting it back. I was able to show proof but was still denied help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. Bank of America refuses to correct the mistake, so here I stand.
Product: Credit reporting or other personal consumer reports

It appears that XXXX XXXX has sold an account to XXXX XXXX the account number is not listed but shows in the amount of {$200.00} I have never had a account with XXXX XXXX, I am XXXX XXXX XXXX and have lived in my home for over 40 years and have never had an account with XXXX XXXX or XXXX XXXX, they are reporting this inaccurate information on my credit report which is tanking my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX   on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX account number with the derogatory mark is not the XXXX XXXX XXXXk account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the XXXX  and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Capital One Bank NA responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with XXXX  and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!
Product: Credit card or prepaid card

I had three transactions post on my account that I did not make on XX/XX/2019. One of  them a large amount- {$98.00} for gas. I did not lend my card to anyone, nor was it out of my possession. At that time this happened, I was at work and the gas station in question is in another county. The bank had originally told me to prove I was not in the neighborhood of this gas station by retrieving records from my phone service provider. Then another rep told me that wouldnt be sufficient either. They stated fraud never happens with a chip card. I am appalled that they would side with the thugs that stole my card information versus their customer.
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect a debt they say I owed Velocity Investments , LLC on XX/XX/2002. They claim I had an account with them. I never had any account with Velocity Investments , LLC, nor have I ever heard of them. Furthermore, that is XXXX  years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.
Product: Debt collection

I signed up for a 3 month marketing contract with a company called XXXX ( XXXX ). XXXX XXXX was the sales representative I spoke with. He verbally promised me the contract would end after 3 months without me having to do anything. I paid for 3 month because that was the agreement. Roughly a year later I was contacted by a collection agency on behalf of Vivial going by the name of McCarthy, Burgess, & Wolff. They claimed I owed Vivial hundreds of dollars. I reached out to both companies and told them that I had signed up for a 3 month contract with XXXX XXXX of XXXX. I mentioned that the contract I entered into was to terminate automatically at the end of the 3 month, that I paid for all 3 months, and that I should therefore have no balance with them. Both companies refused to listen and McCarthy, Burgess, & Wolff continued to bother me with emails, phone calls, and written letters. I eventually talked them down on the amount and just paid it because I couldn't take it anymore. I have a life and I can't take this abuse. I'm concerned the company may be using this as a fraudulent means to earn money. XXXX claims all of their calls are recorded, but I asked them twice for the recordings knowing they would shed light on what happened, and they were unable to produce the recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a dispute to equifax confirmation # XXXX to remove my consumer statement of XX/XX/XXXX the statement is misleading the creditors are not on my credit and to update XXXX XXXX account information, last update XX/XX/XXXX. sent statements to show payments on account each payment was paid and not reported on equifax.equifax removed score points from my credit score.Iam reporting XXXX XXXX for not clearing up this matter this was agreed on my account when open.both never replied back I give c.f.p.b. my permission to pull my equifax credit report.all document in this conplaint copies sent to c.f.p.b. by certified mail