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

The company called XXXX XXXX c/o XXXX reported on my credit report that I was past due on a loan that I did not approve. This was reported on my XXXX  report on XX/XX/XXXXXX/XX/XXXX, with the loan amount past due being {$3800.00}. When I got the alert I called the company and after several hours I was able to get a customer service representative on the phone. I explained to her what was reported to the credit reporting agency and that I had no knowledge of this account and never requested a loan from this lender. She took my information and said her company would investigate this and get back to me as soon as possible. I never heard from anyone for 2 weeks. I called back and got the same answer. After another week, I called again and told them that I had been told for 3 weeks that someone would be investigating this account with no results and the agent again told me that they were still investigating my account and they would notify me when they came to a conclusion. After never hearing anything from the company, I disputed the account on my XXXX   report, but there were no changes made to this account. I have since not been able to get ahold of anyone higher than a customer service representative. When I ask to be transferred to a supervisor I am told to please hold and then the line disconnects. This has happened over 5 times. I have made many many attempts to contact this company as well as the credit bureaus with no luck whatsoever. After several months of trying to fix this issue, it was reported to XXXX  that the debt was sold to National Credit Adjusters LLC. I have since contacted them via the phone number and address listed on my credit report, with the same results as the last company. My last attempt to contact this company was on XX/XX/XXXX via phone and XX/XX/XXXX via mail with no further response. The account history reported shows 4 paid on time payments to this account, which of course were not made from my bank account- which I would have been able to dispute through my bank. When I also made this aware to the financing company as well as the debt purchasing company, they just told me that they would notate that in the file and let their supervisor know and get back with me.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX filed a complaint that I was unable to freeze my credit on their dysfunctional website. They need to replace their IT people with competent individuals who can write a program. 

In XXXX Transunion sent me a very detailed copy of my credit report. THIS HAD NOTHING TO DO WITH THE NATURE OF MY COMPLAINT. No response to the subject of my credit report, freezing credit, has ever been addressed. 

Since credit reporting and the availability of credit is so important to our modern economic system in the USA, I believe Transunion should be required to shutter their doors until they can provide the range of services necessary to consumers in the current economy. Their inappropriate response to my initial complaint was a waste of time and resources. And they still have a dissatisfied customer who wants an appropriate response. How do consumers put this company which is stuck in the XXXX out of business?
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Transunion about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I get in contact with Marcus by Goldman Sachs  as I couldn't seem to withdraw any money from the account. The reason why the fund was on hold was because my identity could not be verified. We ask for how to remedy it and they say to contact the " specialist ''. 

I have phone conversation numerous times to figure out how to withdraw money from the account. Marcus keep saying the issue is not being solved and that I have to call back in 3-5 business days. I did everything they told me to do, such as try changing the phone carrier ( which I did from XXXX XXXX to XXXX ), check with my primary bank to see all the information is updated including social security number ( Which I did with tri party conversation with Marcus, XXXX and myself ), and send in the Affidavit of Identity to their office ( which I did, but declined without any reasons provided ) I called in 18 times and the dates are the following regarding these matters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

The last conversation was on XX/XX/XXXX when they rejected the Affidavit of Identity without providing any reason for declining it. They mentioned to call back in 3-5 business days to seek next steps. Then I thought I should be reporting this case to CFPB so that other people do not get harmed by the same problem.
Product: Debt collection

I dont agree with the debt owed. Never received a statement balance and also its not my debt to pay because XXXX XXXX has a dispute with my insurance company and drop my insurance company, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to cash a 3rd party check which is my son 's check he is XXXX yrs old but not available to go with me in the branch. my son signed the back of the check and wrote pay to the order of my name he endorsed it to me to deposit it in my account and cash it. 
I have his California ID card and my ID. spoke with customer service with BOA one of their manager by the name of XXXX told me yes, we can deposit and cash 3rd party checks as long as it is signed by your son and pay to you. you can go to one of our branches they should deposit or cash it for you. but, when I went there XXXX XXXX financial center manager and assistant vice president of BOA on XXXX XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX XXXX told me No we don't deposit or cash 3rd party checks at all BOA don't cash or deposit 3rd party checks even if it i signed or have His ID. 
I told him XXXX customer service manager from XXXX said you can XXXX said NO we don't and he was very rude the way he was talking I was sitting with my other son and he was standing in the office talking to me he just wanted us to leave and I asked I would like to wait here and call the customer service to confirm which one is correct. Then XXXX came in the office standing both in front of us talking no we cant. 
instead of trying to find out who we talked to if they can get hold of them or check online both said we already know. which is unfair practice not sure who was telling me the right info. was waste of my money went by taxi came back by taxi and got headache and XXXX 
XXXX said we don't know who XXXX is from the customer service and there is no way for us to check who you talked to. so this is our policy. we left when I came home called their customer service again XXXX talked to XXXX from Florida and she also reviewed said they were supposed to help you in the branch because it says on the guideline but when she called the branch talked to someone in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX said no we cant accept 3rd party checks. XXXX also changed her words after talked to branch on XXXX XXXX. I told XXXX your guidelines has other info and you said they should of help you but now you changed your word after you talk to branch. someone has to review this complaint because I went thru headache and they should be responsible for the money I paid for taxi and my time and headaches. 
she created the case # XXXX Please get back to me regarding this matter. 
I called other banks they have no problem to deposit or cash. 
I will go to another bank but, I took pictures of the checks to clear this with BOA they should pay for my time, taxi fees and the headaches and XXXX and the way XXXX talked to me standing talking fast and rude. 
he was suppose to set and talk answer our questions that is why he asked us to go to one of their offices which was unprofessional. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the mishandling and inaccurate reporting of a XXXX XXXX Bankruptcy, reference # XXXX, and incorrect personal information on my credit report. Despite repeated attempts to rectify these errors, Experian has continuously failed to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I initiated a dispute with Experian via mail to address the XXXX XXXX Bankruptcy listed on my credit report. The bankruptcy data presented significant discrepancies and omissions, such as the absence of status, liability, exempt amount, and asset amount, prompting my request for its immediate removal. Simultaneously, I disputed personal information that did not match my identification documents, providing multiple forms of identification to assist Experian in accurately locating my file. However, on XX/XX/2023, Experian responded via email, dismissing my dispute under the pretext of an alleged unauthorized request, which, in turn, negated their responsibility to conduct an investigation within the XXXX period mandated by the FCRA. Subsequent attempts to dispute the inaccuracies through Experians online Document Upload Form on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, yielded inadequate investigation results consistently suggested updates to the disputed items, but without substantial alterations, leaving the inaccuracies intact. Furthermore, Experian 's claim of certification from XXXX, the third-party vendor responsible for verifying public record information, stands in stark contradiction to the responses I received from XXXX. In correspondences dated XX/XX/2023 and XX/XX/2023, XXXX stated their disputes filed with Experian remained unanswered, directly challenging Experian 's claims of investigation and certification of the disputed bankruptcy record.
Product: Checking or savings account

On the XXXX of XXXX there was a fraudulent charge of {$8400.00} made to my XXXX XXXX checking account by XXXX rental car. I called the bank to immediately dispute the fraudulent charges. The bank handed over my dispute to an investigator but would not provide me with any further details or even a case number or any contact to follow up. A couple of weeks went by and I got a call from the bank collecting the funds from me stating that my investigation has been closed and I owe the bank the charge.I keep getting harassed by my financial institutions
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX : Account # : XXXXDate Opened XX/XX/XXXX XXXX Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXXDate Opened : XX/XX/XXXX XXXX XXXX CARD Account # **** ******** XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # **** ******** XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX
Product: Debt collection

XXXX  I received the first call, I asked them not to call me at work, they continued and my  manager  even had to speak with them to let them know that I could n't receive calls at work but he continued to call saying he was an attorney at a legal office. So I put the request in writing and faxed and mailed over the cease and desist calls. The calls are now back as of  XXXX   XXXX   XXXX ,  two  calls back to back to my employer  XXXX  and  XXXX  and then my cell phone at  XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint with TransUnion regarding the inaccurate reporting of information on my credit report. Despite multiple disputes concerning these errors, TransUnion has not taken the necessary steps to correct or remove the incorrect accounts. These inaccuracies are severely damaging my credit score and presenting a false picture of my financial standing to potential lenders, limiting my access to credit and financial opportunities. I have reached out to TransUnion and the involved companies several times, but no resolution has been reached. This ongoing negligence is unacceptable and continues to harm my financial well-being.
Product: Credit card or prepaid card

My BananaRepublic ( GapInc ) card has a rewards program they constantly promote for me to use by charging on this card to get cash rewards. Now I have {$90.00} in cash rewards and this card has placed a stop on using my card. I have an excellent credit history with this card and an excellent credit score. When i have tried to use my card since I got these rewards they have declined my card. When I called to ask why they said they thought some fraudulent charges were being made. I verified all charges were my own. Ive made two payments on time since but still can not use my card!! And subsequently can not use the rewards issued. When I call the 800 number I get put on hold and a run around. I even had trouble paying my bill by phone!! They refused to let me pay my card by phone until I was transferred 4 times and answered a bunch of security questions!! Once convinced it was me they accepted my payment!! I have anXXXX credit score!! But I can not get them to open my account so I can use these earned cash rewRds and they will expire soon. I know GapInc is in serious financial trouble but this is ridiculous!! Can you help me get them to allow me to use these points that they enticed me to charge and earn??! Rude rude people there. If they go out of business I obviously dont get to use my rewards!! Please help!
Product: Student loan

I have roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act, DEPT OF EDUCATION/XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec. 2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX, Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXXXXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX CARD XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the company on XX/XX/2021 about a billion error that was reflected on my consumer report. The company had a rep respond to me via e-mail. I outlined the nature of my dispute to her, which took place over the course of a few days beginning on XX/XX/2021. 

Company failed to update and notify the consumer reporting agencies about my dispute, and also failed to do so in the time period required under the FCRA.
Product: Mortgage

Hello my complaint is related to escrow account where i should maintain enough money set aside so that Shellpoint is able to pay my property taxes and home owners insurance.My property taxes are {$6700.00} for XXXX XXXX XXXX. My home owners insurance is {$620.00} the combined total amount for taxes and for home owners insurance is {$7300.00} for an entire year. I have addressed the following with Shellpoint in the past. In my escrow account as of XX/XX/XXXX i have a total amount of $ XXXXas of today XX/XX/XXXX i should have approximately XXXX in my escrow account that is calculated because i have sent my XXXX mortgage payment. In this way i am sure i have {$15000.00}. I have in the past asked Shellpoint to make adjustments and to refund to me any surplus money but Shellpoint does not want to comply.There is regulation and guidance on how much a mortgage company should reserve for the escrow account. there is a chart that a mortgage company should reserve. In my situation they have failed me. I have waited XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. That is when shellpoint concludes annual audit of my account with Shellpoint. I have waited patiently in hopes that Shellpoint would send me surplus money.
Product: Debt collection

A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. 

I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX  account number XXXX
Product: Debt collection

On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.
Product: Student loan

I recently got married so my income increased ; however, this caused my payment to triple under IDR. On XX/XX/XXXX 19, I contacted FedLoan and spoke with XXXX ( EID # XXXX ), who indicated that if I switched to REPAYE, my payment would only double, which was more manageable. XXXX and I discussed the " required '' month of forbearance where I would have to pay {$5.00} and I asked if there was a way to waive the month of forbearance and have the payment plan go into effect immediately. XXXX said she would request a waiver of the forbearance and have someone contact me to see if my payment plan could go into effect immediately. On XX/XX/XXXX19, I received my next bill from FedLoan indicating I would be billed for over {$1300.00} on XX/XX/XXXX19.  Therefore, I contacted FedLoan again on XX/XX/XXXX 19 and spoke with XXXX ( EID #  XXXX ) after being on hold for over 15 minutes. I asked XXXX about the status of changing my payment plan and she simply provided canned answers with no real explanations about why it would take at least another payment cycle to process the change in my payment plan. When I asked why I was forced into forbearance for a month, she did not provide any rationale behind the forbearance but simply stated it was required when changing payment plans. I have read the print on my application and understand that it states that but it does not make sense at all. It is obviously FedLoan making it impossible for borrowers to maxmize their payments under PSLF. XXXX was also extremely defensive when I asked questions about why this was taking so long seeing as I submitted the request a month before my next payment was due. She gave curt responses like, " There are thousands of requests received each day and we process them in the order in which they're received. '' XXXX also made an interesting point and said my plan change isn't even looked at until the forbearance is put into place, thereby delaying the process even more. It is absurd that the forced forbearance and new payment plan calculations can't be done at the same time. I am getting close to 120 payments under PSLF but FedLoan seems to be standing in my way more than anything.
Product: Debt collection

Franklin Collection Service Inc. 
Address : XXXX XXXX XXXX XXXX placed for XXXX I recently reviewed a copy of my credit report on XXXXand noticed this one inquiry that was unauthorized Please remove these inquiries from my credit report immediately. 
Should this company claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Thank you for your prompt assistance with this matter.