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

On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my Equifax credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX   account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX. Who also conducted a hard inquiry on my XXXX   account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Product: Student loan

It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.
Product: Money transfer, virtual currency, or money service

Folks I initiated a wire from Chase bank USA on XX/XX/930 XXXX  pst for XXXX usd to my account at XXXX XXXX and the funds have been lost. 

Chase is suggesting the wire went through and I dont see it arriving in my incoming account. XXXX is suggesting chase should follow up and they are unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies, XXXX, Experian, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of XXXX, Experian, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 
Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), XXXX, Experian, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by XXXX, Experian, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, XXXX, Experian, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under 15 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Product: Credit card or prepaid card

Bank sent me a credit card promotion that expired XX/XX/1900. 

I sent bank executives an email to explain the promotion but have not received a response.
Product: Checking or savings account

Chime closed my account in XXXX of this year and I have emailed them over XXXX times and over XXXX phone calls. And still no nothing. Now they say I have no more funds available. It was IRS stimulus checks that they had of mine in the amount of {$2000.00}. They keep telling me they was handling it and I should be getting a closer check but 6 months later still nothing and now they say there is no funds available to me. No one should have to go thru what I have went thru just to get what is rightfully there's.
Product: Mortgage

I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.
Product: Debt collection

Ive replied to their notices and explained this debt is not mine and i do not have account with convergent or lvnv. the constant letters are now considered harassment.
Product: Bank account or service

My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided information to Equifax and XXXX regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my XXXX report to Equifax and XXXX to follow suit so that my credit report is the same across all 3 credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to XXXX and Equifax for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XXXX XX/XX/2020 I was forcefully logged out of my account on my mobile banking app without my consent or any form of contact being made. This is not the first time this has happened and they have restricted my access to my account information, but the 5th time and in the past they have begrudgingly fixed my issues but now I have attempted to fix it again but instead I was forced to remain on hold for 20 minutes. This is unacceptable and I am heavily considering and looking into moving my finances into another bank or credit union after the complete disregard for my financial information and my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection on the XXXX XXXX account number XXXX, in the amount of {$1000.00}. ( Please see page XXXX of the attached credit report. ) XXXX XXXX   had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Product: Credit card or prepaid card

Trouble using my card, when it came to credit limits when I had my card they would give me credit limits of 50 or 100 at a time even after paying my balances in full, the Fees or interest they would charge was insane they closed my account after 6 years for a XXXX reason of too many returns but my bank account was compromised they never did a balance transfer and I cant get a settlement to be done with these ratchet people ... they claim they do n't do that and I even have cash back on a card which I cant use cause they closed my account!
Product: Credit card

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 


Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$130.00} Amount to be rebilled : {$130.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$130.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I enquired about an auto refinance through Navy Federal. I did not expressly or implicitly give permission for a hard credit pull- I wanted to see a quote and decide whether to pursue. Navy Federal conducted a hard credit inquiry without my permission.
Product: Vehicle loan or lease

I had a 36-month lease with Toyota Financial Services. Due to a financial hardship, I made the decision to terminate this lease early. I returned the leased vehicle to the original dealer on XX/XX/XXXX. On XX/XX/XXXX, I paid the amount of {$3500.00}. I was told by TFS that this would be the remaining amount of monthly lease payments with a maturity date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from TFS stating I needed to pay them an additional {$3300.00} beyond the agreed amount of payoff. I contacted TFS by phone shortly after receiving this letter to question this additional amount. I was told that they sold the vehicle and that this was the difference in what they claimed it was valued at and what they sold it for. The representative told me that there was nothing that he could do to change that and that he could not help me.
Product: Credit reporting

I am disputing an negative collection field on my credit report by XXXX XXXX Tax Lien for 2015. Tax lien was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien, paid in full ). However, this is now showing up as public record/tax lien on my credit reports. Tax collector advise to dispute the 2015 reporting specifically with credit reporting as they are not reporting it. I am disputing this 2015 tax lien collection as account is paid, and tax lien should be removed as it in not accurate information reporting.
Product: Credit reporting or other personal consumer reports

Thank you for taking steps to address the incorrect entries in my credit report arising from supposed fraudulent actions. However, there are still entries that require removal. This is an additional report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : EXPERIAN : 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 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  Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Payday loan, title loan, or personal loan

When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state
Product: Money transfer, virtual currency, or money service

Wells Fargo has refused to acknowledge its role in my case ( XXXX ). They falsely advertise XXXX as a secure way to transfer money, protected by Wells Fargo. XXXX is not protected by Wells Fargo and it is wrong for them to push a 3rd party app that has no user protections. Furthermore, Wells Fargo employees XXXX XXXX ( Executive Office Case Specialist XXXX ), XXXX XXXX ( Case Specialist for XXXX XXXX XXXX XXXX ), and, primarily, XXXX XXXX ( Escalated Complaints Specialist ) have not been responsive to any phone calls and have failed to communicate with me in a polite and just manner. I have called XXXX XXXX numerous times and she never once replied or tried to contact me. I was once directed to a different Escalated Complaints Specialist who rudely told me I'm wasting my time and it's my fault and I can try all my life to get a response but I won't get one. No one has been kind or helpful, only rude and cold, trying to avoid my calls or admit their responsibility in this problem. It's terrible customer service and deceptive marketing.

For Wells Fargo to take responsibility for their terrible customer service and deceptive marketing. Wells Fargo should not affiliate with a third party they do not back ( XXXX ). I would like a reimbursement for my unprotected transactions with XXXX as I was deceived into thinking it was secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for equifax to provide me with the accounts in my file that they say are bankruptcy because I am dealing with and identity theft and fraud issues I had XXXX bankruptcys reporting on my public records and they are in fact inaccurate Equifax removed XXXX but they left the other as verified after I received documentation from the court, stating the credit bureau will publish inaccurate information and they cant control that but they provided me with a notice stating that I have never filed bankruptcy before and I have no accounts in my credit file as bankruptcy because equifax fixed that inaccurate information. Now they are reporting I have a XXXX bankruptcy for 2018 which is inaccurate now Im asking them to provide me these accounts that are causing this issue. And Equifax is currently the only bureau reporting this XXXX, and XXXX have removed this inaccurate information from my file. Do Equifax is currently the only XXXX reporting this inaccurate information.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, and XX/XX/XXXX I reached out to XXXX in regards to incorrect information listed on my credit report. I also filed a dispute with Experian and XXXX in regards to the incorrect information being reported on my credit as a balance instead of paid in full due due to the discharge letter I received. After two rounds of disputes with Experian & XXXX. They continue to certify it as true and accurate regardless of edfinancial sending updates to the credit bureaus in XX/XX/XXXX, and XX/XX/XXXX as paid in full. Also, I have filed dispute, sending them the documentation at XXXX XXXX sent me as a paid in full letter, and they still have disregarded and continue to report balances when there is no balance to report and the account is paid in full.