23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Nothing out of the ordinary ary has happened with any of my credit cards, loans or finances. Yet my score decreased by XXXX points this reporting period. When speaking with Trans union representative on XX/XX/2024 I was told to review my report. I have done this and told the Trans Union representative that I had re viewed my report. I can not and could not find any reason for any significant credit score decrease. The Trans Union Representative also told me to contact my financial institution as they were responsible for my credit score. Upon speaking with my financial institution I was told they had nothing to do with my credit score. And so I am frustrated by this credit reporting bureau not providing any answers.
Product: Student loan

I recently finished my first year in college with the help of a XXXX  Grant provided to me by MOHELA. After my first year I changed my major meaning I needed to now pay back this money. I started on their official website where all it could tell me was that I needed to call their number to resolve the issue and they " could not tell me any specifics of my account due to it's status ''. So I called the numbers they provided to me only to be run around by an automated device. When I was finally connected with a person he did not ask if we needed help simply spoke at us telling us we needed to call a different number and follow these steps. We did exactly as we were told and the automated device could not find my account for some reason. We were then connected and told we needed to wait for someone to connect on the line with us when we were suddenly disconnected. Im not sure what to do about this as because of this confusion every day I am collecting more and more interest on my grant that I will have to pay back because they are not able to help me.
Product: Debt collection

Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX Acct - XXXX
Product: Debt collection

I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full by closing attorney on XX/XX/2022
Product: Credit card

I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. 
If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). 
I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.
Product: Student loan

To Whom This May Concern My student loans are getting out of hand. I have been repaying them since 2009 and somehow the balance is not going down. 
For past 9 years percent of my paycheck was deducted towards the balance, my federal and state tax returns have been set offset for past ten years to go towards my student balance. In last 3 years my account has been sold 3 times to different companies and new collection fee, handling fees etc has been added to balance. I don't even know who should I contact to stop this and have these new charges, fees and interest deleted from my original student loans. 
SunTrust is new company that has my student loan ownership it was Illinois Student Assistance Commission SunTrust XXXX. XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX
Product: Mortgage

This all started approx. 3 months ago. Bsi financial sent in an escrow payment to my insurance agency. They included multiple other people 's policy payments in the payment to them. The insurance company issued a refund to me which I then mailed back to bsi to put in my escrow. I then recieved a bill from the insurance company trying to get the money back. I contacted bsi financial. They then proceeded to pull the money from my escrow account stating that it wasnt my money to start with which I get but the insurance company still is billing me for the money they sent back. After numerous phone calls they said things were handled. They were not. They also reversed a mortgage payment that was made and then sent me collection notices. Finally they found the payment that was made on time and not late but they put it in for the date they found it. Since they found it after the due date they reported to the credit bureau that it was 30 days late which dropped my credit score a lot. I then recieved my monthly statement yesterday stating that I didnt pay last months premium. Which I did and they were able to find that but I also now see that they pulled over 2000 dollars out of my escrow to pay the insurance company. They already pulled the XXXX I sent them out. Currently I have never been late on a payment and it appears they are trying to make me pay for other people 's insurance. Also was notified from my insurance agent that the insurance company still has me listed as getting dropped due to no payment of the money they sent me by mistake. 

Basically I always have paid my Bill 's on time and it looks like for doing that it will cost me at least an additional XXXX dollars out of my pocket, a major hit on my credit report and I will have to pay out of pocket to get new insurance for my property if I get dropped. 

Pretty sure when you sign an agreement with a company both ends have to hold up there end. I've done my part to the fullest neither the mortgage lender or the insurance company have lived up to their end. I know breach of contract is a thing and both companies meet every item for that offense. 

The amount of money it has cost me by the countless hours on the phone with them is not something I can make up. 

All I did was try to do the right thing and now all I get is XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian, XXXX, and XXXX have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Mortgage

XXXX XXXX is an elderly women living in her home. She desperately wanted to keep the home, reinstated her loan, and then received a Notice of Default posted on her door weeks later. She took it off the door so her kids and the neighbors didn't see it. This stressed her out and she called me. Then after her conversations with Ditech, they said " it was a mistake. '' I called them, and the representative didn't apologize and they said " it was sent out before she reinstated the loan '' ( which wasn't correct ). 

XXXX reinstated on XX/XX/2019 and they posted this Notice of Default to her door on XX/XX/XXXX. The NOD is signed/ dated XX/XX/2019 by XXXX XXXX XXXX
Product: Credit reporting

My credit score averaged XXXX on both XXXX and Equifax. It dipped on both by about XXXX points respectively because my credit card utilization was at 97 %. I paid off all my credit cards and my score should go back up by about XXXX points on both. Today, XXXX reported nothing and Equifax only went up XXXX points! How is this possible?! They are both also saying my credit reporting history is 18 months old and that is lowering my score now as well. My credit history is well over 10 years old. I do not understand how it is even possible for credit reporting to affect your life so much! They should all be abolished, or at least just have one. This is getting ridiculous.
Product: Checking or savings account

The savings account that I had with Citizens was an overdraft account and linked to my checking account at Citizens. Well because I had some issues making payments it went to a collection agency. the balance I owed was around {$500.00} and the collection agency offered me a XXXX time payment of {$220.00} which would then make the account considered settled and closed. 
So on XX/XX/XXXX I made a payment of {$220.00} to XXXX XXXX XXXX. I went ahead and attached the letter showing the account was settled and paid in full and closed. On my XXXX  credit report it shows under account status that it was paid and closed. Stating account was paid less than full balance and was updated on XX/XX/XXXX. 
For some reason XXXX  is showing that I owe {$690.00} and the status is Collection/Charge-Off, which is incorrect. The last time it was updated was XX/XX/XXXX.
Product: Prepaid card

I purchased a prepaid XXXX  debit card valued at {$400.00} on XX/XX/year> from a local grocery store. I had issues activating it on their provided website, prepaidgiftbalance.com, so i called them at the provided number to get it activated. The man I spoke with said the card had been activated. 

I attempted to make an online purchase, but the card did not work. I called again the following day, XX/XX/XXXX. Again, they said the issue was resolved. Again I was unable to use it online. I later attempted to use the card to buy groceries at the store I bought it from, but it was declined. I made another phone call on XX/XX/XXXX talking to a later for 25 minutes, where they informed me that the entire balance was used at XXXX for a purchase, which I did not make. I was never able to use the card to begin with. 

I opened a fraud claim with them, which they said could take months to resolve. They requested I fax more information to them, which I tried but the link the lady gave me never worked.
Product: Mortgage

WE fell on hards times back in 2012, losing jobs, XXXX, XXXX etc. We took from our XXXX XXXX durning this time period. Family had to move in with us due to their own hardships, casuing our monthly expenses to go up. We just recently fell behind because of these situations. We understand that we can afford the mortgage we know we are at a 30 % debt to income ratio, had we applied durning the medical situations and unemployment the debt to income ratio would have been approved. Our primary mortgage has just been approved for a modification.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted Navy Federal Collection Department they took my financial info and said. I would have skip payments and that my payment on my account for my credit card would show current after a few weeks no adjustment was done so I became very concerned On XX/XX/2022 I called them they never contacted me they told me that it was denied and said the department was suppose to reach out to me but as of todays date they never did I was misinformed and was told that my account status would be corrected and. I would not have a payment til XXXX they even inputted the payment in the system and deleted the payment for XXXX now I am months behind due to this
Product: Debt collection

PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to experian/transunion/and equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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
Product: Checking or savings account

This is the 3rd complaint Ive filed towards Wells Fargo. On XX/XX/year> there was a charge of {$700.00} and I disputed the payment because I did not make that payment. Wells Fargo denied it because the person who committed the fraud was able to input my billing address and name and the package was delivered in the same city I live. Wells Fargo never once contacted XXXX to check the tracking number to see where it was delivered. Since they denied my claim they sent me the records and told me I have to contact XXXX and go to the police to file a report since its out of the banks hands. I got the address and name of person who it was delivered to from XXXX. I went to the police and found out found out who the person was that stole my debit card info and how it happened. In XXXX my car battery died and I contacted XXXX who sent over a tow truck to change my battery, the man who took my payment is the XXXX who stole my debit card info. That is how he was able to input my person info, because he was dispatched to my house and took my card to his car because he said he had to call the office the run the payment. I have proof and the police are investigating. He lives at the address where the package was delivered and has the same vehicle for the parts he purchased. The officer that is helping me called Wells Fargo on XX/XX/year> and told them of the situation. He told me that the person he spoke to would help me reopen my claim. I called Wells Fargo that same day and gave them the reference number to the police report along with the story of what happened. Despite of all this, I got a letter in the mail stating that they denied my claim again because they still think I made that purchase. I have done everything they told me to do even have proof that Im a victim of fraud and Wells Fargo continues to deny my claim and wants me to pay for my thiefs purchase. I am so disappointed that this hasnt been resolved and I dont know what else I can do. I even contacted XXXX and told them of the situation of their employee stealing from me and a claim was opened with them as well. I have a police report and its been determined a suspect was located. The police are Working on criminal charges and filing charges with the XXXX XXXX office. What else does Wells Fargo need for me to prove that I didnt authorize this purchase? I attached documents that show my receipt from XXXX with the suspects name on it along with the email from XXXX  that shows his initials with delivery address and another document that shows the suspects full name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYction 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fraudulently reported XX/XX/2022 balance of my XXXX credit card for XX/XX/2022. 

XXXX XXXX XXXX Report Date : XX/XX/2022 Reported Balance {$3000.00} Credit Limit {$5600.00} = Credit UtilizationXXXX % It was reported with a Balance of {$230.00} on my XXXX credit report on XX/XX/2022.
Product: Mortgage

I went through a conventional home loan process with Chase Bank. On Thursday XX/XX/XXXX, I was informed by XXXX XXXX XXXX Chase XXXX XXXX I was scheduled to close the following Thursday on XX/XX/XXXX. I was told I would receive a copy of my final closing disclosure and appraisal report through ChaseMyHome. On Monday XX/XX/XXXX, I still had not received anything and contacted Chase. They did not answer. Hours later I received a call back from XXXX XXXX stating my closing was cancelled due to an issue with the appraisal. However all she could tell me was the word " moisture ''. It was not until Thursday XX/XX/XXXX, after numerous calls and hours of my time, that I received a copy of the appraisal which held up my closing. The appraisal was done in a wholly unprofessional manner and included documentation of Chase sending it back to the vendor for revision. The vendor however refused to make said revisions. The only issues listed were a disconnected down spout ( Gutter ) and a exterior light which did not have a face plate. I was informed these two minor issues that had already been addressed in the inspection process made the home unsafe. Then on Wednesday XX/XX/XXXX, I was sent the exact same appraisal report as before, but told it was the result of final inspection to show the work had been completed on the gutter. But I say again it was nothing new, it was the same appraisal. Not to mention my realtor had already sent them proof the gutter was attached, the basement was dry, and the exterior light functioned. As they requested, then told us could not be used and we must wait for a final inspection. However despite this they told me I was scheduled to close on Monday XX/XX/XXXX, at XXXX. Once again that did not happen though as the title company called me on Friday XX/XX/XXXX, to say that Chase had not sent them anything. I spent my entire Monday XX/XX/XXXX, canceling movers and utilities for the second time and once again trying to call Chase as they denied my calls and sent me to voice mail. Supervisor XXXX XXXX and XXXX XXXX who I spoke with provided no real answers and at many points blatantly lied to me, as proven by the documentation they themselves sent me. It was not until I made contact with a senior Chase official XXXX XXXX that I was scheduled for a third closing on Tuesday XX/XX/XXXX. However the closing took over XXXX because Chase could not balance out their side of the documentation. They remained {$1.00} off the title company for XXXX. The entire closing experience with Chase was filled with lies, misinformation, and unprofessional service. I am still awaiting the money owed to me by Chase from their Closing Guarantee for {$2500.00}. I have little hope of ever receiving it, not to mention that I should receive it twice. The Chase mortgage office should have a consumer warning on it. 

TLDR : Chase got a bad appraisal. So bad they themselves fought it. But then accepted it, but then decided not to accept it. This caused me to be scheduled to close and miss said closing twice both times with under XXXX notice. I have not received the financial compensation for either of these.
Product: Student loan

I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.
Product: Credit reporting or other personal consumer reports

This company reassigned this debt to the dealership after the dealership was unable to properly transfer title. They do not have ownership of the loan anymore therefore they do not have authority to report anything on my consumer report. It was reassigned on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent hard inquiries on my credit profile CAPITAL ONE XX/XX/2021 XXXX  XXXX XXXX # XXXX CAPITAL ONE BANK USA XXXX XXXX - XXXX CAPITAL ONE BANK USA
Product: Credit reporting

This complaint is being made for several reasons ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no XXXX to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. TransUnion has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. XXXX states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my XXXX and XXXX dispute letters which detail why they are inaccurate.
Product: Debt collection

I do not owe the debt this company is trying to collect. The company tried to collect this debt from me previously a couple years ago. I informed them I never opened the account. I also informed them I am totally permanently XXXX and on XXXX. It is against federal law to pursue action against my XXXX income. The matter was closed several years ago. A month ago the company reopened it. I reminded them of the previous correspondence and they continue to pursue this debt against me that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.