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

A XXXX ago I contacted XXXX bank requesting they remove their record from my transunion and XXXX credit reports. They refused. I never opened this acct and the address they had on file was in XXXX VA. I have NEVER lived in that state. 

I also notified all three credit agencies and XXXX removed this fraudulent synchrony act from my record but Transunion and XXXX have refused to do so. 

This obviously impacts my ability to get credit at a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE {$370.00} XX/XX/XXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XX/XX/XXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit hospital. 
I have no luck, Also I attended XXXX University which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.
Product: Student loan

Navient, The WORST lending company I have ever dealt with. I am still in school and every single semester they " ca n't find me '' in the clearing house for people attending college. Therefore I get constant and non stop harassing phone calls! 12 a day to be specific. I then have to call and go through a series of people to explain that my loan should be deferred because I am still attending school full time. EACH semester they require me to upload a new deferment form from my school. Because of this I have also been wrongfully charged of late fees and " late '' payment notices that are affecting my credit score. They also go after my Co-signers with harassing phone calls even when I am in the process of communicating with them that they are in the wrong ... I wish I had never signed a loan with this company, biggest mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a final payment agreement with Midland Credit Management ( MCM ) by making a payment of XXXX on XXXX from my banking account. They agreed that they would report to the credit reporting agency that debt was settled for less and closed. MCM has not upheld their agreement by reporting to the 3 credit bureaus correctly. I have copies of the letter. XXXX I contacted MCM to advise it has not bent properly updated. No one would assist. I reached out to XXXX  reporting to them that the account read incorrectly and sent copies showing debt was settled. XXXX  states they contacted MCM and was told that the XXXX balance was correct, account is still open and only updated the date of payment for the XXXX made on XXXX. I called MCM back because court records show that MCM closed to small claims court case on XX/XX/20 as a dismissal since payment was made and check cleared. Still no solution and my credit reporting is incorrect 4 months later. MCM viewed my credit credit report activity constantly and used that information to take me to court demanding payment for a file they purchased from another vendor. Called my line and sent numerous letters the least they can do is uphold their end of the deal and update my report to reflect the proper status
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX two fraudulent Wells Fargo credit accounts where created and disclosed to consumers reporting agencies. I called Wells Fargo who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the debt with the original credit with XXXX/XXXX service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. In addition, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are NOT related to any transaction that I have made. I am alleging that a person and/or company - without my authorization, used my personal information to apply for products, services, or money ; and was successful in creating some accounts. All which are being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Product: Student loan

XXXX XXXX student with federal Loans are to be forgiven mine werent they wont tell me anything they told to consolidate so I can apply for loan forgiveness I have so much interest that more my loan XXXX XXXX students will get all federal loans forgiven they have closed filed for bankruptcy the school did but navient has not complied with loan forgiveness even on my consolidation listed a different school
Product: Debt collection

1 ) LendUp reported late payment even though a payment was made.

2 ) Lendup made promises of lowering my interest rate- yet doubled it upon a new loan. 

I have attempted to contact them, as they are reporting incorrect and negative marks on my credit report. I have been unsuccessful as there is no contact information on my credit report, their website is down, and I can not find a phone number. The one on my credit report is not in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

There are numerous automatic charges on my debit card with Santander Bank. I did not authorize these charges and do not want these charges. I wanted the money refunded back to me. The bank sent me a letter saying my claim had been rejected for {$160.00}.
Product: Student loan

I shouldnt even be paying this because my school doesnt exist. I want to make a low monthly payment as little as XXXX dollars and they wont allow it
Product: Checking or savings account

I have a business account with Chase for my business that I recently started. On XX/XX/XXXX I deposited a check made out to my company which I did not endorse. Ive never endorsed them before and never had a problem until now. The deposit of this check resulted in my account being frozen and then closed without notice. I only found out because I went to deposit another check and they told me this was a closed account and it had been for days. I only knew my account had been frozen after I called on the XXXX of the same month to enquire why I wasnt able to make payments out of my account. It was then that they informed me that they had a hold on the check but it would cleared in a couple of days. This later turned out to be false because they closed the account after the hold was removed. When I called my client, who was the one who wrote me this check, they told me that the check cleared fine on their end. This was news to me because one of the times I called Chase they told me the problem was on my clients end with their bank. I also went to the branch three times to speak to the branch manager and he tried to help me by calling the deposit review department in Chase. He even requested to speak to a supervisor on that department which didnt help. The Chase branch manager told me that this was not their policy at the branch and pointed out the exact policy he was referring to to the representative on the phone because they were saying information that did not match up with the policy his branch followed.

Now, Chase refuses to release my money that was in the account, stating that more checks are under investigation because they need to speak to makers of each check even though they have already been cleared months ago. Another frustrating part of this is is the telephone verifying system that Chase uses. The phone number on the check has to match what they have in the system. They wont call the phone number that is on the check if it is not verified. I have reached out to multiple clients to get phone numbers from them, only to be told by Chase that those phone numbers are not in their system therefore they cant verify the client or their check. Now, they are asking my clients to go to the branch and show two identifications and prove he is the business owner that gave me that check. This has been the latest response they have given me after a month of headache and giving me the runaround on what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, TRANSUNION, XXXX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Product: Mortgage

We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement.
Product: Debt collection

I am filing a complaint against Rubin & Rothman , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) related to a fraudulent XXXX XXXX XXXX account ( # XXXX ) opened in XX/XX/year> due to identity theft. Despite filing an identity theft police report, Rubin & Rothman , LLC has filed a judgment against me and is withdrawing money from my account. 
The specific FDCPA violations include : XXXX.Failure to Cease Communication ( 15 USC 1692c ) : Despite notifying them of the identity theft, they continue collection efforts. 
XXXXFailure to Validate Debt ( 15 USC 1692g ) : They did not provide adequate debt validation. 
XXXX.Harassment and Abuse ( 15 USC 1692d ) : Persistent collection attempts, filing a judgment, and withdrawing funds have caused significant distress. 
XXXX.Misrepresentation ( 15 USC 1692e ) : They misrepresented the validity of the debt. 
XXXX.Unfair Practices ( 15 USC 1692f ) : Filing a judgment and withdrawing funds for a fraudulent debt is unfair. 
Attached are copies of the identity theft report and police report for reference. I request the CFPB investigate these violations, take appropriate action, and provide relief from the judgment, refund the withdrawn money, and remove any negative information related to this fraudulent account from my credit reports.
Product: Checking or savings account

On XX/XX/2019 a withdrawal of {$2400.00} was made. I did not make it later that night another amount of {$3800.00} was withdraw. I did not make it either. 
I feel Iam a victim of idenity theft. and elder abuse.I reported the first withdrawal as soon as I noticed it and was told by BOfA Fraud department they saw the first one happening and would stop it. And they would block my account. Neither was done. Instead another withdrawal of {$3800.00} was done during the night. 
A debit slip was made out in my name for {$2400.00} The signature is in my handwriting but the handwriting on the slip is not. 
I immediately told Bank of America i needed help and asked what to do. 

I have copies of both withdrawals. 
I went to my Bank the next morning. They closed my account then and told me what to do and reassured me all would be returned. 
My account number with them was XXXX My fraud # is XXXX. 
My husband and I had been BofA clients for at least 40 years. 
I Then called the police, my lawyer, computer consultant, XXXX and I researched California Fraud detection and prevention poloicies including Reg E. 
I did everthing I was told and and still they denied my claim saying all was my fault. 
They said my cell phone and computer had been hacked. And I needed to provide " Proof of Porting ''. I  spoke to XXXX and they told me I would have to see a lawyer. 
Losing {$6000.00} plus hiring a lawyer is very difficult for me. 
I am a XXXX year old widow. My husband died 4 years ago with XXXX. I am a XXXX XXXX and cared for him for the 8 years he was sick. I am not proficient in money matters. 
I feel this is wrong and I desperately need help.
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 XXXXXX/XX/XXXX UNITED AUTO CREDIT XXXX XXXX XXXX, TX XXXX AMOUNT OWED : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 : - Account Number or other information to identify account : XXXX - Source of Dispute Information : UNITED AUTO CREDIT - Type of Disputed Information : UNKNOWN ACCOUNT - Dates associated with item being disputed : XX/XX/XXXX XX/XX/XXXX - Explanation of item being disputed : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND INACCURATE Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We tried to refinance our home with Wells Fargo, our mortgage loan servicer. Our current rate is 4.25 percent ( 30-year fixed ) and we have been with Wells Fargo for over 10 years. Our loan balance is {$270000.00} and our home is currently valued at {$700000.00}. I have a good credit and would like to lower the interest rate. Wells Fargo concluded that our home is considered as an investment property since I am not physically present in the house all the time. I am a XXXX XXXX XXXX XXXX  and I am currently stationed in XXXX XXXX. While I am away members of my immediate family including my wife and adjust children live in the house. This is our primary residence and we do not rent it. I explained this Wells Fargo multiple times and they concluded that our home is considered as an investment property and the interest rate they offered is higher than that of primary homes. The only conclusion I could come up is that Wells Fargo prefers to keep us locked in at the 4.25 interest rate so they can make more money. I think this is an improper business practice and I would like to submit a complaint. 

Loan application : number XXXX.
Product: Debt collection

I was a victim of the XXXX XXXX data breach and I have explained this to them on more then one occasion and it is killing my credit please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed CONNS CREDIT CORP account on my credit report and asked for a contract. XXXX and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX points and my on-time payment went from XXXX percent to XXXX percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.
Product: Checking or savings account

This complaint involves Marcus /Goldman Sachs XXXX XXXX XXXX XXXX ) headquartered in NY . I had XXXX investments there. A savings account and a {$200000.00} CD 2 year term. 

On XX/XX/2023 I informed them ( By phone ) I wanted to close the CD and roll that balance into that savings account. I asked the customer representative what the CD early closing penalty was because they did not provide a copy of the CD or any other documentation when I opened it that would have provided that information. I was informed that the early termination penalty was {$1000.00} dollars and I agreed on the transaction. 

In 3 days I check my online account to discover that they penalized me {$1800.00} dollars instead of the {$1000.00} they told me. I called them several times trying to resolve this ( refund the extra XXXX dollars ) .They reviewed the telephone conversation and said " yes she made a mistake '' But refused to fix this saying theres nothing we can do. They refuse to give me access to the recording as well. Three supervisors were contacted and all they did was read me the case notes. I would not have made this transaction if they had provided the right information. I want to get a fair resolution to this as they made the mistake causing me to make this investment with bad information..
Product: Credit card

XX/XX/XXXX - A travel company frqdulently charged {$800.00} by promisimg to cancel XXXX tickets and provide voucher or cash for the tickets. But they provided neither. I disputed {$800.00} amount with the Citi card. They reversed the amount and credited {$800.00} back to my account. In XX/XX/XXXX they resolved the dispute in the travel comapny 's favor. I called the Citi bank and sent email of the travel company evidence. They again gave the credit back for the time being. Finally in XXXX - XXXX time frame they reversed the charges by stating that they are not able to collect funds from the travel company. Around that time frame about a $ 100 yearly fee was due for the Citi card. I requested to close my account. They closed the account and let go the yearly fee. I received a {$120.00} credit from another comapny. Now the balance was supposed to be {$800.00} - {$120.00}. I still was fighting with the citi card for my right to collect {$800.00} from the travel company. In XXXX Citi sent alettwr that i should pay apprx. {$670.00} to close the balance on the already closed credit card. I paid them on the phone approx. {$670.00} to close the balance sheet. I was travelling for work internationally and missed Citi statement which demanded to pay late and interest amount on the yearly fee which they had eliminated earlier when the card was closed. Today XXXX XX/XX/XXXX that amount has multiplied to apprx. {$400.00} and they want me to pay. I have made several attempts to reolve this situation. I have made hours long calls at a time to resolve the situation but they transfer me XXXX or XXXX times and finally hang up without any resolution. This has also affected my credit rating.