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

My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Product: Credit reporting or other personal consumer reports

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments. 

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from Experian. 

I would like for these loans and all of these false information to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau in regards to items that were inaccurate on my credit report. I received no response for over 30 days and when I finally did receive a response for lack of better term the information was still inaccurate. I thought the bureau would update my my credit report accordingly but that was not the case. When I recently checked my credit report, the same inaccurate items appear on my credit report. On XX/XX/2021 in effort to get the issue resolved I sent another letter to the bureau explaining my confusion. After reviewing my credit report it makes no sense to me how both XXXX and XXXX have ALWAYS reported all of the same items from FED LOAN and FED LOAN SERVICES in positive standing, but XXXX have reported it as a negative. I understand making errors but this involves ( 16 ) items on my credit report! XXXX made a error reporting to the bureau and should correct it accordingly. This is really stressful and I am so confused. These inaccuracies are really effecting my credit score.
Product: Checking or savings account

Bank of america froze my " regular '' bank accounts. My checking and savings due to the fact that clients of mine used their " EDD bank of america '' cards to make payments to me ( because it's all they have XXXX Bank of America with the urging of Edd is saying they don't like the deposit type and saying that when the transfer comes in it has my clients name on it ( saying payable to them ) but that is untrue. It's payable FROM them to me that's why their name is on it. How else am I supposed to know who payment came from? They have lumped me into the legitimate fraud cases and it's not true. They've given me no recourse to prove these are legitimate. They plan on closing my account and keeping all my money and it's very obvious looking and reviewing my account that this is not fraud. Please help me. It's all I have. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Said company is trying to collect a debt that is not owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. Datax LTD on behalf of XXXX, XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX let me know what I need to do in order to remove these off my XXXX  XXXX report. 

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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. 
SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX I already make a complain and THEY DID NOT SOLVE THE ISSUE YOU ARE NOT reporting 100 % correctly. You are violating FCRA. 
DELETE the late payments on my payment history ASAP.
Product: Mortgage

On XX/XX/2019, I had a scheduled appointment for an appraiser to come to my home and do an appraisal. This appraiser was sent by my mortgage company which is Bank of America. The reason for this appraisal was because my husband and I wanted to refinance our mortgage due to lower rates. The appointment was set up a week ahead of time. On XX/XX/2019 an appraiser from XXXX XXXX, XXXX showed up to my house around XXXX XXXX. He proceeded to call me because no one answered the door. I answered his call and explained to him that our appointment was scheduled for XXXX XXXX. He confirmed that he knew the appointment time but was early. I asked him to please wait a few minutes as my husband would be home soon and they could start the appointment early. He became very disgruntled and then he proceeded to hang up the phone on me. Once my husband arrived and let him in, he ran around our house snapping pictures and left within 10 minutes. I immediately called my loan officer at Bank of America to issue a complaint about the appraiser. I feel as though my concerns were brushed off and I was told to wait for the official appraisal in the mail. Once the appraisal came in, I noticed the estimated value of our home seemed way off. Homes in my neighborhood are selling for {$400000.00} or more and my home was valued at {$350000.00}. The said houses in my neighborhood are the exact same model home as my own. I have also added an {$11000.00} screened porch on and a {$5000.00} fence since closing. I called my loan officer and explained that I wanted to appeal this appraisal. After a week, my loan officer came back with a form I needed to fill out to appeal and told me to list my own comparables within our neighborhood. I supplied my loan officer with 15 comparables and their MLS numbers. I heard nothing for two weeks and finally called my loan officer and was told that they decided not to accept my appeal. I then asked who I could contact so I could get some answers to their reasoning for not accepting my appeal. I eventually had to reach out to my loan officers manager and have left two voicemails with him and sent him an email but now they are both unresponsive. I feel like I am not getting treated fairly. I am worried that Bank of America has chosen to brush my husband and I off due to the fact that he is not a citizen ( although he is a permanent resident ). I feel mistreated and I am at a standstill and can not get any answers from Bank of America. They have taken my money for the appraisal ( {$560.00} ) and yet still are not responding to me. Thank you.
Product: Credit card or prepaid card

My Chase Sapphire credit card statement showed 8 charges on XX/XX/XXXX for different vendors. I reported to fraud department on XX/XX/XXXX, my account suppose to be cancel and new card submitted .I never received new card, but XXXX statement appeared 2 new fraudulent charges, adding previous fraudulent charges, I contacted fraud department several times, each conversation reassured me, that fraud department removed charges. Under my personal investigation I found out charges were done at same XXXX VA area, same day except for one to airline agency in NJ At last I received a new, card on XXXX, which I had not use, until I thought my account was clean, but Not, Again all fraud charges reappear complains again. Fraud dept. request prove it was not me, I submitted day by day, Medicare statements, I was on XX/XX/XXXX still recovering from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, unable to drive. 
Now, Chase Bank, submit statement as unpaid fraud charge, plus interest and penalty, I never had any late payment or unpaid account in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Consumer Loan

My initial complaint was case number XXXX. 
I tried working with Ally - I wrote the Credit Bureaus - I attached a copy of the reaffirmation agreement for the car - but they are still illegally reporting that the car was included in a Chapter XXXX - yes, it was included - but we reaffirmed and PAID the agreed sum outside of the court. I can mail you the affirmation agreement, like I did the credit bureaus. Pls provide me your mailing address. I can not scan documents. I want to know why Ally Financial can still continue to report this erroneously on my credit report and my husbands without repercussions.
Product: Checking or savings account

I am writing to file a formal complaint regarding a two {$16.00} maintenance fees that was unexpectedly charged to my account with Bank of America on XX/XX/year> and XX/XX/year>. I have been a loyal customer of Bank of America for years, and throughout this time, I have never been charged such a fee. 

When I reviewed my account statement for XX/XX/year>, I was surprised to find a {$16.00} maintenance fee listed while I was out of the country. I carefully checked my previous statements and the terms and conditions of my account, and there was no prior indication that such a fee would be applied. Furthermore, I have not received any communication from Bank of America notifying me of changes to my account terms that would justify this new fee. 

On XX/XX/year>, I contacted Bank of America 's customer service to seek clarification and request the removal of the fees. Despite my efforts to resolve the issue amicably, the customer service representative informed me that the fees could not be removed. I find this response to be unsatisfactory and misleading for the following reasons : XXXX. Lack of Prior Notification : I was not informed in advance that a maintenance fee would be applied to my account. Transparent communication is essential, and the banks failure to notify me of this fee is misleading and unfair. 

XXXX. Inconsistent with Account History : Over the many years I have held this account, I have never been charged a maintenance fee. The sudden imposition of this fee without any prior history or notification raises concerns about the banks practices. 

XXXX. Financial Impact : Unexpected fees can have a significant impact on customers, especially when they are not budgeted for. As a responsible account holder, I manage my finances carefully, and such unforeseen charges disrupt my financial planning. 

XXXX. Given these points, I firmly believe that the two {$16.00} maintenance fees is unjustified and was applied in a misleading manner. I request that Bank of America remove these fees from my account immediately and ensure that no similar fees are applied in the future without proper notice. 

I value transparent and fair banking practices and hope that Bank of America will address this issue promptly and resolve it to my satisfaction. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPECIALISTS OF ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : XXXX XXXX EMERGENCY XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to their website and requested my credit report. I filled out all requirements and they told me they didnt have enough info. I mailed a letter to them with all required info included and they still havent got back to me. Now today is my third attempt to obtain my credit report. LexisNexis is literally in the SAME CITY that i live in. There should be NO excuse that other people living farther away can get theirs and I have yet to receive mine.
Product: Money transfer, virtual currency, or money service

Good Evening sir am XXXX XXXX sir  XXXX money transfer to PayPal transfer company sir 08 month back Transfer to mony paypal account transfer to money But My account Not transfer to money My Bank deatials and personal information and address proof complete Government proof. sir Every month transaction statement comeing sir But money No transfer. PayPal transfer company No information.No response sir. Please request helping sir Thank you sir
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting

EXPERIAN IS A DATA MINING OPERATION : I applied for a credit card with XXXX XXXX XX/XX/XXXX, and was rejected based on adverse accounts in my Experian credit file. This means that XXXX XXXX was able to view my complete credit file. 
Because I had been rejected for credit, I obtained a free copy of my credit file and viewed it. I saw lots of errors, as is always the case with Experian, but did not start a dispute process. 
XX/XX/XXXX I applied for credit with XXXX XXXX. Their rejection letter stated the following : " We were UNABLE TO VIEW YOUR CREDIT REPORT BECAUSE YOU HAVE PLACED A SECURITY ALERT ON IT. " This tells me that Experian fraudulently and arbitrarily placed this security alert on my credit report, but I DID NOT PLACE ONE ON THERE, and obviously, when I applied with XXXX XXXX just a month prior to applying with XXXX XXXX, my Experian report had been viewable. 
I would like to know why Experian took it upon themselves to arbitrarily place a security alert on my credit file when I did not do so. 
All I did ( after viewing my report the first time, upon being rejected by XXXX XXXX ) was call them and ask them to not bill me {$29.00} a month for their credit tracking service. 
So, when I went online to get another free copy of my credit report after being rejected by XXXX XXXX, the Experian website stopped me and said it would need all of this highly sensitive, personal identification information from me : My driver 's license, my social security card, and a bank statement or an insurance statement! Who in their right mind would do this? I did nothing wrong to prove that I am really me. I simply requested yet another copy of my credit report because I was rejected twice based on my Experian report, which is full of errors, by the way. 
This is not the first time Experian has done this to me. I battled this same problem with them XX/XX/2013, two years ago, meaning, they arbitrarily put a security alert on my credit report and said that I did it ( when I did not ), and they wanted all sorts of personal ID information on me before they would work with me when I 'm not the one who made the mistake. 
What concerns me the most is that the US FEDERAL GOVENMENT -- yeah, you guys -- links with Experian to do a " soft inquiry '' if a citizen like me wants to set up a My Social Security Account online. In other words, that 's how much you trust the data mining operation otherwise known as Experian, whose corporate headquarters are located in the XXXX XXXX XXXX. 
The only 100 % accurate credit file on me is XXXX. 
So I need you to contact Experian and challenge them as to why they continue to arbitrarily put " security alerts '' on my credit file just to make it difficult for someone like XXXX XXXX to give me credit, and to make it difficult for me to see a copy of my own credit file, which is my right under the FCRA.