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

Equifax, XXXX, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for credit boost ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

SEARS/CBNA made three erroneous updates on XXXX report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 SEARS/CBNA went on XXXX   looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
Product: Credit reporting or other personal consumer reports

I received a collection account from I.c systems , inc with a balance of {$1500.00} and a collection from XXXX XXXX XXXX with a balance of {$870.00} without my knowledge 15 usc 1692c ( c )
Product: Checking or savings account

I started out the month of XXXX with {$8300.00} in my checking account with Bank of America. On XX/XX/XXXX, I missed a call from the bank but got a second call from who I thought was the bank on the XXXX, Friday. I was asked if I was aware that there was suspicious activity on my account and if I lived or had traveled to the state of Florida, which I had not. I live in XXXX XXXX XXXXXXXX and had recently lost my job and was concerned that my account information was stolen so I followed the instructions of who I thought, at the time, was an associate. By the XXXX of XXXX, I was short {$8000.00} plus an additional {$11.00} cents that I immediately contacted Bank of America about on that Monday. I was told by the true fraud department that I hadnt spoken to them but they recognized the activity on my account and would do their best to protect my account. They asked me if I lived in Florida as well, to which I replied no. They asked if I misplaced my card and I hadnt ; I especially did NOT give anybody access to my account, yet on XX/XX/XXXX {$8000.00} was then subtracted from my account. I now am {$700.00} in debt, casually, and when I reached out to the bank I was told they might not be able to help me but could probably answer my questions. I need help.
Product: Checking or savings account

XXXX : Applied for a checking account with Wells Fargo online after seeing their advertisement for {$320.00} bonus. 

XXXX : Account was opened after applying online. Bonus offer of {$320.00} shows on account opening page. " Your new account is eligible to receive a bonus upon meeting offer eligibility requirements and qualifying activities. '' Account opening page shows my account number and routing number. Invited by Wells Fargo to " consider setting up direct deposit. '' I do so on my company webpage. I setup my direct deposit. 

XXXX : My Direct Deposit of {$1000.00} shows as pending on the account. Also shows as available on my funds. 

XXXX afternoon : Notified via email about Wells Fargo closing my account " Dear XXXX XXXX : Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because we have made a business decision to end your deposit account relationship with Wells Fargo. The accounts are expected to close by XX/XX/year>. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. '' XXXX afternoon : Called Wells Fargo to ask why they are closing my account. They would not disclose. They said it was to manage risk and because of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED AND MOHELA BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. MOHELA HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2023 and XXXX OF XXXX XX/XX/2023. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Mortgage

I sent request for information, about discrepancies in XXXX, fees charged with lender placed insurance, and lies submitted to the State Attorney General of Alabama in relation to lender placed insurance, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Checking or savings account

Citi promised a XXXX bonus, but only credited my act. for XXXX. I opened a dispute on XX/XX/XXXX and was told it would be resolved within 5 business days. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX only to be required to open a dispute again. It has taken hours to get this resolved with no end in sight. Many calls are dropped while waiting for a supervisor, and customer service has no answers. I followed all requirements and Citi 's own customer service representatives agreed yet only 50 % of the promised bonus has been credited. It is difficult to hear the rep 's who are primarily located in the XXXX, and there are no U.S. representatives, so communications are difficult at best. Citi Bank currently has a 1.2 star rating out of 5 with 94 % 1 star on " XXXX XXXX '', many many angry consumers coming your way, now do something.
Product: Student loan

American Education Services, which is connected with the Pennsylvania XXXX XXXX XXXX XXXX, has serviced my student loans which are XXXX XXXX loans, even though I don't currently, have never and didn't attend school in Pennsylvania. Due to COVID, federal student loans have been placed on deferment with interest frozen and payments stopped.I reached out to this company to make sure my loans were included and waited weeks to initially hear back and then spent months getting the run around with no specific answers until after threatening to go to the Department of Education they let me know I actually had XXXX loans and that they weren't covered under the CARES Act. My loans had been accruing interest the entire time. After discovering that they were XXXX loans I asked about a direct consolidation that would then make them eligible for the relief as well as any possible federal forgiveness in the future. It has now been XXXX months since I inquired about that and still no response. This " company '' is nothing but a scam and their " customer service '' is a joke. In one of the correspondences I asked about the Service members Civil Relief Act since I spent a decade in the XXXX and was supposed to have a cap on the interest charged and after a week I got a response that says they'll look into it and get back to me. As of this writing they still haven't said anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was denied credit by Capital One that prevented me from getting the {$150.00} sign on bonus. They gave me a bogus reason " Length of credit history from XXXX  ''. My credit history is more than 10 years and I have excellent credit. I think I was denied credit because I always pay on time and they're not gon na make any money off me. I should be rewarded for my excellent credit, not punished. This is unfair and not right.
Product: Credit reporting or other personal consumer reports

This student loan was originally for XXXX with XXXX XXXX and was discharged in 2017 in bankruptcy. The loan was then sold to Navient, and they have it at over XXXX and harrassed me for a loan that I am not obligated to pay, which they got incorrectly. They call my phone 30 times a day. 

This loan is no longer valid. It was in my bankruptcy, and the court approved it, and XXXX XXXX was notified. XXXX XXXX should not have sold loan to Naviet I have never had a loan with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed this account with XXXX XXXX XXXX on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. I have contacted XXXX 5 different times : XXXX XXXX : XXXX-XXXX-XXXX XXXX XXXX : XXXX-XXXX-XXXX XXXX & XXXX : XXXX-XXXX-XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with Transunion twice and XXXX three different times. XXXX I have provided the letter stating the account is closed and has a XXXX  balance and they still state that after contacting XXXX the account information reflected on my report will remain. This has negatively affected the rate I will receive on my mortgage.
Product: Credit card or prepaid card

Contacted Bank of America XX/XX/2023 XXXX XXXX Spoke with credit card agent on rewards missing from one BofA card and rewards payments underpaid for the past year. Agent not of assistance. Also mentioned the statement due date had been changed to an earlier date and if I had not noticed the change I would have been billed a late fee.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a Visa gift card at XXXX grocery store. I received confirmation of the authorization that the card had been activated. I tried to use the Visa gift card to purchase groceries and the card was declined. I called Visa gift card they said no money was on the card. I called XXXX gift card services they confirmed money was put on the card. I called Visa gift card services again and the customer service representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit for XXXX XXXX states I owe them over {$6400.00} for a lease- I notify the company - that was identity theft - I had made a police report - and submit it to IRS also XXXX as this person was also working under my identity. This account does not have the correct ss # - this account is not mine- Identity theft- XXXX XXXX needs to remove it from my credit score- spoke with EQUIFAX Conf # XXXX
Product: Student loan

XXXX of last year I applied to the One-time student loan forgiveness debt relief. At this time it was with the XXXX XXXX XXXX XXXX XXXX owed {$6200.00} on my student loan. The didn't notify me that my loan was transferred to Edfinancial until XXXX XXXX. The service company Edfinancial sent an email on that date they were receiving my loan which was odd. because I paid that loan off on XX/XX/21. I applied to the One-Time student debt forgiveness when the application opened as a back up, because I honestly forgot whether or not it was paid in full. Then I log on to Edfinancial and the amount is still there in full as if I never paid it. I call them explain everything and even email them my bank statement that shows the payment. Their reply is that the application for the one-time student loan forgiveness was an application to reborrow the money instead of it being a forgiveness. Therefore since I applied the money was reinstated, they even allege they sent a paper check on last year, which is false because they didn't have my records til XXXX of this year. Its been close to a month since I sent them that information and they haven't got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX, Equifax, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Product: Debt collection

The company in question is : XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX My husband and I have been customers of XXXX since XXXX. We have had four separate accounts- two on our primary residence and two on a 2nd home. We sold the 2nd home the end of XX/XX/XXXX. Of the two XXXX accounts on that property, one was for the main house and the second for a guest unit. In early XX/XX/XXXX I contacted XXXX to inform them of a pending sale and to close both accounts as of XX/XX/XXXX, a month after the escrow was to close. In the meantime ( just in case escrow did not close ), I paid the {$840.00} due for XXXX XXXX XXXX XXXX for the alarm system in the main house ( see attached statement and proof of payment including the bank statement ). 

Escrow did close the end of XXXX and XXXX closed the two accounts as of XXXX XXXX. We were to receive a refund for the unused portion of {$840.00} which to this day we have not received. I contacted XXXX about this multiple times. Each time I was told that the accounts were closed. On XX/XX/XXXX, I received a statement in the amount of {$910.00} for the closed main house account ( see attached ). I called and spoke with XXXX at XXXX. He confirmed that the account was closed on XX/XX/XXXX and that we did not owe anything to XXXX. He gave me the confirmation number XXXX. 

On XX/XX/XXXX, I received a notice from Source Receivables Management ( debt collector ) for {$79.00} ( see attached ). I called Source Receivables and asked why this was sent and I was told to call XXXX. 

On XX/XX/XXXX I called XXXX and was told by XXXX XXXX XXXX that I did not owe anything and that I would get my refund within 7-10 days. He also said that I would receive a letter from XXXX. He sent me an email which is attached. I have not received an official letter.
Product: Payday loan, title loan, or personal loan

I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Mortgage

This XXXX  company can not remove forbearance status from my account even though I have asked these incompetent employees to fix this issues. I dont understand why is it so difficult to make my account in normal status. It is no longer in forbearance so why it showing this on their website. I can not even make a reoccurring payment because of this. Please fix this immediately or I will take legal steps and did a way to hold you accountable legally for my troubles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX  or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened :XX/XX/2020 Original Loan Amount : {$720.00}
Product: Debt collection

XXXX XXXX is sending constant emails every day to my personal email. No disclosure of a debt owed only asking for a card number for a payment and to call them. They use my first name only and seems fishy no other distinguishing information to make me believe these are legit emails. All the info is sent in subject line and a disclaimer at the bottom with a phone number ( XXXX ) XXXX stating to call them before XXXX. The frequency of these emails is getting out of hand the address sending it is XXXX and reply address is XXXX. Neither of those emails seem legit this started the XXXX of XXXX and they have emailed me everyday during my working hours since the XXXX of XXXX. Each email almost seems like a phishing attempt for PII using a time critical technique telling you to call before XXXX with no timeline stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have 3 fraud apartments on my report. ( XXXX XXXX ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX LXXXX ) Acct # XXXX I have 2 Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX ) Acct # XXXX I have 6 Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.