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

I tried to call the Experian at XXXX to no avail. It kept asking me to go back to menu and there is no live person to work to help customers like me. They are hardly answering the phone. Experian s goal is just to keep destroying customers credits. In pictures, please look at dates and amounts. The amounts kept changing, so did the scores. All showed I was one time late from Fall season to now. Same info on 1 time late, but the amounts and credits fell down. I had XXXX ... 1 late, then XXXX now with 1 late ... how is it possible? Plus older date shows 1 late but the amounts did change. How is it possible with same 1 late? Actually, I got late for the first time on XX/XX/XXXX using XXXX XXXX cos they d charge me {$9.00} if I want to pay thru phone. I dropped it and paid using my bank thru online. So that is why it was late, not my intentional act. 

Also, Experian recently got info on recreational loan ... recently, but I got the loan in late XXXX, 2020. Experian collected info late. Very late! I have autopay with XXXX XXXX XXXX, so I was on time. No report on it at all in Experian system. 

Experian also have conducted a business with XXXX XXXX and XXXX XXXX XXXX XXXX ... .I never use them or want to buy anything that use those companies. I dont even know what they are. I already have good running truck, so what auto do I need to look? This puzzles me. Experian is doing intentionally to harm us customers ' credits. 

Also, Experian blames me for disconnection with XXXX Bank XXXX XXXX to get Experian XXXX. It is not my fault. I don't know why they disconnected a several times. I wanted the XXXX  but Experian punished me for that. It is not my action that caused the disconnection. Perhaps, Experian is playin a game. They may disconnected to keep me and other customers stuck below XXXX for years. Their goals were to keep us below XXXX. If they care and help us customers, they wd call me and help me to improve credits. Never did. They dont even answer the nbr I called them today. No email address to contact and correspond with Experian at all. Experian XXXX is NOT THERE FOR US, therefore, u shld submit to congress to remove Experian from being our credit reporting bureau. EXPERIAN DOES NOT CARE ABOUT US, PERIOD.
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized by me. I haven't spoken to this lender at the said date
Product: Credit card or prepaid card

Spent {$5000.00} on last statement. Company closed my account for no reason and said they sent a letter to my house which I never received.They did not issue 3 % cash back on {$5000.00}. Statement was from XX/XX/XXXX thru XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have been trying to get someone to help me with the Banks in XXXXXXXX XXXX and identity theft. I have had problems with XXXX XXXX and XXXX XXXX XXXX bank and XXXX XXXX Bank and XXXX and XXXX XXXX XXXXXXXX and now XXXXXXXX XXXX Regions Bank .I have money missing again and it is becoming an increase problem because everyone is calling me for late payment because of stolen money from bank account. I also went to bank with the person who works for XXXX XXXX XXXX department Victims unit assistance. Instead of manager XXXX help she got security on the phone conference call she and manager didn't take the time to go over any of what was wrong they both kept saying it was correct and it is not correct. If it's correct why not show me and I show you what the problem is and I was already going over information with someone else in the office XXXXXXXX XXXX for two weeks with no results so I made a appointment with the Bank manager XXXX and XXXX is in Security. Both lied and said I left bank with XXXX but I didn't I left with XXXX I asked to see footage but they refuse. Then they kept asking me about the person from sheriff department who is she really to me like as if we were dating I had already explained to XXXX who she was with the police report and her XXXX victims assistance is XXXX XXXX ext XXXX XXXX. None of the debits match the credits and it doesn't add up to the amount of money I deposited in the account.And the Bank let someone cash out XXXX out of the account. I just got some money back from someone stealing my identity from XXXX XXXX Bank and someone breaking into apartment checks from XXXXXXXX XXXX insurance company which they sent check to library to be printed but it also looks like someone else printed a check also from library in XXXXXXXX SC. I printed checks from library in XXXX XXXX XXXX SC. Now almost the same amount is missing from account at Regions Bank plus my disability money
Product: Debt collection

The collection company is I C SYSTEM INC. The original creditor is XXXX XXXX. I had an outstanding bill of {$440.00} in XX/XX/XXXX. I paid this amount inside a XXXX XXXX  store on XX/XX/XXXX in order to get my service at XXXX XXXX   started again. This company is trying to collect a debt that has already been paid to the original creditor. I called XXXX XXXX and they told me that I don't owe them anything. I called this company to let them know that they need to contact XXXX XXXX but they kept on with their collection and did not contact XXXX XXXX. XXXX XXXX would not have opened up my account again I'd I had not paid.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

This information is in regards to a claim that I submitted on XX/XX/XXXX. I first tried to contact the company itself, with no response, then I disputed with XXXX in XXXX. After waiting about a month of time, I called XXXX, and the rep at XXXX told me once the case was closed to reach out to my financial institution. This is when I reached out to BOA for help. 
XXXXBOA allowed repeated usage without my permission. XXXX XXXX allowed repeated usage without my permission. XXXX wallet, pay pal, and cash app had my card stored. 
I never gave verbal consent and I never gave anyone my card to use. I initially thought my non verbal, autistic, minor son was to blame. Now I do not believe this to be true. My BOA debit card was canceled, by me, in XXXX. 
On XX/XX/XXXX, BOA allowed my canceled card ending in XXXX to be used and I had to dispute these new charges by the companies ( from over seas ) .Why is my card that is canceled in XXXX being debited in XXXX? 
I was told multiple times since XX/XX/XXXX that the case was in my favor, never received funds, and called multiple times. Please read the notes from claim reps. I was told on XX/XX/XXXX, from XXXX and his supervisor ( BOA claims department ), rest assured the case was in my favor and not sure why the back office was taking so long to push the funds through. XXXX said I see where your funds are pending and you should have them soon within XXXX hours. 
Because there were so many little charges they will put through as a whole amount. I questioned the refunds on XXXX, he said they may take those back and put it all in XXXX, that is why I received a letter on XX/XX/XXXX saying they may be reversed. It is well over 45 days, still no resolution, and no one understands what is going on. This whole situation is very misleading, misguided, misunderstood and has caused severe anxiety for me. I will attach mixed communication I have received. 
My hopes are that this will be resolved, in my favor, as I have been repeatedly told since end of XXXX. These are not my charges. No one that knows anything of this situation is communicating. The bank is still allowing debits from a card I asked them to cancel and companies that should be blocked starting in XXXX, and the time I have spent holding and talking to reps has caused major stress and anxiety. This is quite a bit of money stolen from me and I believed in my banking institution. 
I am in need of communication with someone in the back office so they can see the full picture of what is happening.
Product: Debt collection

N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/2021, we completed the closing signing of legal documents on the refinancing of our mortgage to a lower rate. Before we started the signing, we gave the fiduciary agent our closing cost payment of {$110.00} via check # XXXX. 

On XX/XX/2021 we were notified that our closing cost was not paid at the time of closing by the title company, XXXX via secure email. I responded back with an email stating to their representative that we gave the funds of {$110.00} via check # XXXX to their fiduciary agent. 

I notified our Wells Fargo closing agent of the situation above via email and by phone on XX/XX/2021 of the situation. He, our Wells Fargo closing agent, filed a complaint with the executive office at Wells Fargo - complaint # XXXX. To date, a month later, XXXX states they have not found our paperwork. We received a letter from Wells Fargo that our rate lock would expire on XX/XX/2021. 

All of our sensitive personal information, checking account, SS # 's, Drivers Licenses, Credit reports, were included in the legal documents lost by the fiduciary agent from the title company. Legal documents executed by my husband and I along with the check paid at the time of our signing the legal documents have been lost! It's been a month now and we still don't know who has our information. Wells Fargo, as well as XXXX continue to be lax in moving to rectify this situation. We need to resign the paperwork and Wells Fargo needs to honor the contract or cancel our current mortgage. It is because of the Wells Fargo agent who stated, " I can't tell you who do choose but this company, XXXX the most reputable of the three ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, XX/XX/XXXX, then again in XX/XX/XXXX, then again in XX/XX/XXXX, then again XX/XX/XXXX. I submitted a complaint XX/XX/XXXX specifying this error, however after your third investigation this still is not fixed. Accounts can not be charged off 5 times. This is intentionally fraudulent and re-aging my account. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Equifax Equifax assumed a vital role, when they reported Information without my permission or consent. 
I never instructed equifax to furnish a report, equifax never had permissible purpose -- I never consented to the report to begin with. 
To my surprise, they are not exercising their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurately reporting on my credit. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Student loan

Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.
Product: Checking or savings account

Last year in XXXX, I deposited a check into my Bank of America account. It took a month to verify the check after the check was verified. I was unable to pull money out of my account. Bank of America gave me a number to call. I called the number they advised me that my account was under review. I waited another month, and the account reopened. I was able to withdraw money after all that occurred. My account was locked again, and I was unable to withdraw any money. My account was then closed, and I have not received the funds from Bank of America. I have called them multiple times they told me that the check I deposited was fraudulent I asked them for proof of the check Been fraudulent and they never sent me anything. I called back, requested information again and again and again and they never sent me anything. At this point it has been over a year and I still have not received any information from Bank of America so I decided to file a complaint with your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXX by postal mail, letter dated XX/XX/2022, by XXXX Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX , Equifax , XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, XXXX Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with XXXX XXXX nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but XXXX XXXX is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Product: Debt collection

I have been receiving phone calls from this number multiple times. When I call the number to ASG XXXX I am told they have my name as XXXX XXXX XXXX. I have 3 times used their website to indicate that I am not this person and twice used their automated phone system to indicate I am not this person. Both their website and their phone system indicate that they will remove me from their list and/or someone will contact me. I continue to receive calls from ASG XXXX several times a day. They are always automated calls and I have not found a way to speak to an actual person at their offices. I want the calls to stop. I consider this harassment. The numbers I have called are : XXXX, XXXX. Thank you.
Product: Debt collection

I order online XXXX phone service with phone 4 line but I revive only XXXX phone in mail I contacted XXXX explain they tell me they send me another 4 phone and give credit for the next bill. but next day I don't like service and call customer service cancel service and return all 3 device. but they still charge me the 4 device that device I don't receive. I call serval time but the custemer service is out of country very hard to explain them. because very poor customer service my i.c system, inc account no. XXXX i.c. reference XXXX please help about matter the keep sending collection notice in mail I am so disponted thank you very much.
Product: Vehicle loan or lease

Chase auto loan failed to apply my {$490.00} payment to my auto loan, declaring me past due, but they withdrew funds from my bank account 1 business day prior to my loan payment due date. This payment has been setup as an automatic bill pay initiated from my checking account for delivery 1 business day prior to payment due date since loan inception XX/XX/year>. My banking account bill payment indicates payment was sent ( typically electronically ), and the funds have been withdrawn from my checking account. I have sent a secure message to chase, but I presume I'll be spending a few hours collecting evidence, and requesting my bank to substantiate my claim, even though this is clearly the fault of Chase auto misapplying my payment.
Product: Credit reporting or other personal consumer reports

It is imperative to comply with FCRA 605B by swiftly removing any incorrect accounts from my credit report. Please inspect the documents immediately ; multiple accounts have discrepancies in amounts and dates.
Product: Student loan

For several years, I tried to work with the federal student loan servicer about the XXXX XXXX XXXX XXXX XXXX and how they handled my payments toward the XXXX needed for XXXX. The federal service loan company handed off the loans to Mohela just this fall XXXX. I filed a complaint asking for XXXX year of service in XXXX to XXXX in XXXX XXXX for the XXXX attorney to be counted. Mohela finally reflects this first year of service for XXXX XXXX and then proceeds to inaccurately reflect XXXX  years and XXXX  months of service for the XXXX XXXX XXXX of XXXX XXXX. I was instructed by the previous servicer to submit XXXX for XXXX and XXXX to show my service and since I was unable to get anything other than the XXXX 's to show my employment, to submit the XXXX 's which I did. For the years XX/XX/XXXX to XX/XX/XXXX, I also submitted the correct forms. Mohela misstated who I worked for ( saying it was the XXXX XXXX XXXX ) and then proceeded to ignore YEARS of service in their most recent correspondence. By my account, I have made at least XXXX nearing XXXX payments toward the XXXX. I need the CFPB to resolve this issue with Mohela for me and for all the other borrowers who face similar issues with Mohela and the XXXX XXXX XXXX XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY XXXX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX