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

Original CFPB complaint XXXX CFPB reports to me that the complaint filed by me on XX/XX/year> has been resolved. The matter is not resolved. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX was opened when I purchased kitchen appliances in XX/XX/year> from XXXX XXXX  XXXX. I made two separate payments to XXXX XXXX in XXXX and XX/XX/year> exceeding what was owed. 

XXXX XXXX  reported to the TRANSUNION credit bureau that I was delinquent in my payments to them. My credit rating plunged from XXXX to XXXX. 

CFPB intervened. XXXX XXXX  sent out a retraction saying I was not delinquent. My credit rating went back to XXXX. Then, XXXX XXXX  discovered a payment of {$990.00} I had paid to them that they claimed was never made. They reimbursed this {$990.00} to me last week. 

They have closed my XXXX XXXX account. 

Yesterday, XXXX XXXX XXXX XXXX said my credit score is now XXXX because XXXX XXXX  on XX/XX/year> reported a delinquent payment on my account, though the account was closed and I had a {$990.00} credit on the account. 

Thus, for the second time this year XXXX XXXX  has again ruined my credit rating after taking corrective action, closing my account, refunding me the {$990.00}. 

See the two attachments for details. 

CFPB needs to go on line and review the breadth and depth of consumer dissatisfaction with this outfit. They are criminals not just in money laundering, but in ruining customer 's credit rating and otherwise engaging in just plain lousy customer service. Their online services is not controlled by anyone. It is inaccurate and abusive. The wait time for customer service is anywhere from 40 minutes to 90 minutes. 

XXXX XXXX  and XXXX XXXX  XXXX appliances should pay me back my {$3400.00} I paid for my kitchen appliances. Between them they have twice ruined my credit. I have never been delinquent in my payments in my life. Where is the accountability?
Product: Credit reporting or other personal consumer reports

I have NEVER been late on the card. I requested a second card, and my income increased, so I increased it on the application. They approved the card, but IMMEDIATELY restricted BOTH cards. It took me almost two months to find out why. They tried to bully me into submitting three months of bank statements, and I refused. This was a {$3300.00} card! After attempting to rectify this by going on Social Media ( the ONLY reason someone in a higher dept called me back ), I was told that the payments could be made. However, I cut up the card and had no information regarding the full account info. The app, as WELL as the Cust Service dept, could NEVER locate the account! After MONTHS of hitting a dead end and calling numerous times, I now have XXXX late payments on my credit report even though I ATTEMPTED to pay it. I am constantly receiving late payment notices and payment resolutions, but when I click there is NO WAY even to utilize it. The collection department that calls me hangs up because they can't locate the account. I want to be DONE with them and these late payments OFF my report. I want to pay them in full and be done with them for good! This is unscrupulous and unfair to the consumer to be BULLIED intp providing personal bank statements to a company YEARS after the relationship began!
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXXIve been dealing with Equifax. I found out that I was reported as deceased and show no credit score. I immediately got the contact information from the lender I was trying to purchase from. Ive spent hours, days, and months calling Equifax to get the run around. I was told they couldnt verify my information every time I would call in, was always placed on hold for an 1 to 2 plus, to than be told to write a address down to send proper documents. As of XXXX XXXX still dealing with issues with these people they blame everything on the lenders not reporting my information back to them. Ive spent countless of hours calling all my lenders to verify dates of when they report to Equifax. They dont care that credit file is not correct and causing my family and I a massive problem because I am trying to purchase a house and because I either as deceased or a XX/XX/XXXX credit score. Equifax reps tell me that I do have a credit score and that those folks are wrong and are lying to me not to give me credit. Im at the end of line here and have no clue what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Re : Selene Finance Mortgage loan # XXXX I was the primary borrower on a mortgage loan with Selene Finance. The co-borrower on the loan, my mother, passed away before the loan was paid off, she was also a widow. I paid the home off XX/XX/2022. The escrow reimbursement check was issued by Selene Finance XX/XX/2022, and sent to me in both names. 

Because my mother died with no assets, no will and no bills, the XXXX XXXX FL probate office refused to open probate or an estate and appoint an administrator as there was no need. 

My warranty deed to the property for which the mortgage loan was granted, is a survivorship deed granting any owner/co-owner of title the right of survivorship and property in case of the death of any co-owners without circumstance from other family members or persons who would feel they had claim to the deceaseds assets. In light of all this, On XX/XX/2022, I returned the check and included a certified copy of her death certificate and a letter of explanation and request, asking Selene Finance to reissue the escrow check in my name alone as it could not be cashed with her name on the check. The documents were received by Selene Finance on XX/XX/2022. To this date of XX/XX/2022. I have not received a new check. 

I have emailed Selene Finances customer service department multiple times only to get form letters back by postal mail stating they received my communication and by law they had 30 days to respond but with no updates or explanations. Thats all that I have received back to date. I have called customer service multiple times only to stay on hold 30 mins or more and then be disconnected. 

I feel that nearly 5 months is way more than long enough for Selene Finance to have reissued the check with the evidentiary document presented to them and the original check back in their possession. 

At this point, they are in possession of money ( {$1100.00} ) that does not belong to them but belongs to me, and it seems they are refusing to cooperate ( even in response to the possibility of legal counsel involved ) with the request of the reissuance of the check in my name alone. This neglectful or willful inaction and uncooperativeness could be construed as theft. It may not seem like a lot of money to them but it is to me because it is needed to pay my property taxes for the 2022 tax year.
Product: Credit card or prepaid card

XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.
Product: Debt collection

This is a medical bill. I have insurance that the emergency room should have billed. I was never given any knowledge of this bill. They violated my HIPPA rights sharing this information with a 3rd party collection agency instead of correctly filing with my insurance or even giving me a chance to file with my insurance.
Product: Checking or savings account

Wells Fargo had taken from me again XXXX years of loyalty for nothing
Product: Credit reporting or other personal consumer reports

I was denied a bank account with XXXX XXXX due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Fifth Third Bank. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by Fifth Third Bank was not XXXX XXXX complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( XXXX ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> XXXXXXXX XXXX XXXX  ran my credit with XXXX XXXX and received my credit profile and score from EXPERIAN. I did not authorize this. XXXXXXXX XXXX XXXX proceeded to share my credit profile and income documents and submitted applications on my behalf for auto financing with at least 8 other companies without my permission. I never test-drove the vehicle that appeared on the applications. I was already pre-approved with XXXX XXXX and only intended to purchase a vehicle with XXXX as the finance company.
Product: Student loan

We didnt skip the payments that the president ordered Only 6 months We asked about the forgiveness and they said since we only missed 6 months we didnt qualify They was the ones that told us we had to start paying or else They didnt inform us about the forgiveness if you worked for public service places They sent our loan now to XXXX Now they said XX/XX/year>XXXX  was the last date someone could qualify Navient didnt tell us anything and we didnt know what we needed to do Thought it would automatically be forgiven Sorry Im not very intelligent
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are in violation of act s 611 5 b of the fcra I have 5 inquiries on my report that is not suppose to be there XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX these are not suppose to be on my credit report as I only have a XXXX XXXX and I have no hard inquiries on my other credit reports from credit bureaus but my XXXX XXXX transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Checking or savings account

My caregiver trapped me in the bathroom and then used my cell phone to send multiple withdrawals from my Citibank account to herself via XXXX without my authorization. She then went to the Citibank ATM and emptied my checking account, again fraudulently. I am totally XXXX and live alone in a seniors building. Citibank honored the ATM withdrawals as fraudulent, but has ignored my numerous appeals to do the same with the XXXX withdrawals nor have they ever sent an explanation for their denials. Please help.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a email from XXXX  stating that my Victoria 's secret card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called Victoria 's secret to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with Victoria 's secret and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from Victoria 's secret neither the consumer finance government.
Product: Mortgage

We have a mortgage with FNBO in XXXX XXXX, IL. The loan was through XXXX FNBO. XXXX is now holding the loan. 

We have not been able to access our loan for a year, online and do not get proper statements without calling to request them, and then it takes 3 weeks for the letter to get to us. FNBO say that we do not have a mortgage with them. XXXX tells us they can not fix the tech problem and tells us to contact FNBO. It has been a complete run-around and we have spoken to no less than 40 people about the issue. The issue is not resolved and we can not see our mortgage at all, the escrow amounts, or our principal payments. We don't even know what we owe at this point. We need this cleared up, asap, please. 

We've had the loan for over 2 years and originally set it up for automatic payments. They are still taking our money every month.
Product: Credit reporting or other personal consumer reports

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 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE XXXX XXXX
Product: Checking or savings account

My wife and I had Wells Fargo 's checking accounts and constantly got charged overdraft fees even when money would be in there. If we had automatic payments set up, they would wait to deposit any money after payment was set to come out, even though we would put money in well before due date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # 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 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX is listed as a prior address on my credit report. I have previously submitted that I have never lived at the aforementioned address and would like for it to be removed from my credit report. I used to be a XXXX and many of the offenders I supervised lived in this area. It is of concern to me that someone may have tried to use my information at some point. ( Too bad for them that my credit was n't good! )
Product: Credit reporting or other personal consumer reports

I am disputing a charge-off account reported by XXXX XXXX XXXX XXXX Acct ending in XXXX ). This account was sold to XXXX XXXX XXXX and fully settled through XXXX XXXX XXXX on XX/XX/year>. 
The settlement letter clearly states they would request deletion of the tradeline. However, Kia Finance continues to report a balance of {$7400.00} to the credit bureaus. 
This is inaccurate and hurting my credit. XXXX confirmed they do not report, and Kia has failed to correct this despite attempts to contact them. 
I am requesting that Kia be required to honor the deletion agreement and remove the account from my credit report
Product: Student loan

I attended the XXXX XXXX XXXX XXXX, and I would be someone who falls under the recent federal forgiveness. 

I took out tens of thousands of dollars of federal loans based on fraudulent premises from my school 's parent company XXXX. The case against XXXX is highly documented, publicized, and now in the public eye due to the recent federal student loan forgiveness. 

My school in particular was under high scrutiny years before this forgiveness, and my student loan servicer and XXXX XXXX all had lots of legal battles over their practices. 

After graduation my loans were serviced by XXXX, and several years after graduation I was struggling to pay my loans and manage my payments. I was recommended by someone at XXXX to consolidate my loans, and around that time I started getting social media ads for a company called

" Earnest '' that was a loan refinance company that really understood what I was going through. I chose to refinance with Earnest due to the good rate options, but what I didn't understand and wasn't well informed on, was that my loans would be moving from federal to private, and wouldn't fall under protections like the recent ruling.

My loans, which were federal at one point, are a financial instrument that was used to purchase the very same education that so many have been forgiven for in the past few weeks. I contacted Earnest, and they informed me that I could reach out to XXXX to see if they would buy back my loans. XXXX told me that they couldn't make private loans federal, and that they couldn't buy them back. I also reached out to aidvantage who would now be my federal student loan servicer who replied the same way- there's nothing that I can do. 

I'm seeking a disposal of my loans. I believe the precedent for such an action is set, and the evidence against XXXX, the company who frauded me and so many others into the loans, is overwhelming. 

The hidden misconduct behind this, is that XXXX owns Earnest. It strikes me as odd that when I was struggling to make my XXXX payments, I recieved targeted advertising to refinance with another company that XXXX owned, and that years later that very action would benefit XXXX ( as Earnest ) because they do not have to forgive my federal loans. I think that the marketing practice here falls under the same tactics used by XXXX to get so many of my classmates into unreasonably high debt based on false data. 

Is there any recourse for my current situation? 

Thank you so much for your help!
Product: Debt collection

A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized :  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me