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

On XX/XX/XXXX I submitted a dispute regarding two student loans that have been paid in full and accounts closed as of XX/XX/XXXX. XXXX has them listed as open. XXXX is in excess of $ XXXX and one in excess of $ XXXX. All of my student loans ( a total of 14 ) have been forgiven by the Dept. of Education. XXXX dispute resolution returned no change in status. 

I called and spoke with a rep and was told I need to submit proof documentation. That THEY HAVE NO WAY OF CONTACTING ANYONE TO VERIFY. I had just hung up with someone from the Dept. of Education, by calling an XXXX number that is listed very clearly. 

On XX/XX/XXXX, I disputed these loans again w the documentation. Again, the loans were not removed. I called the Dept. of Education to ask if they could contact Experian bc I was having such a hard time. They sent me a different document and told me that Experian SHOULD BE CONTACTING THEM IF THEY CAN NOT UNDERSTAND WHAT IS SENT. 

On XX/XX/XXXX I submitted a third dispute with this document. On XX/XX/XXXX, the dispute was completed and I was not notified or able to see the results. When I called Experian, I was told that the original document sent to Experian in XXXX of XXXX was unable to be opened b/c there was an error message on the attachment. I told them that I have sent a copy of that document and I was told it has to be received from the originator and that I will have to contact them to resend the information. I informed him that the document IS from the originator. I was told that that document could be forged so it must come directly from the Dept. of Education. 

During all of this, they have also dropped my credit score XXXX points for no apparent reason. Nothing has changed at all other than my trying to resolve their issue of not removing incorrect information on their part. 

Experian distinctly shows their dispute services as THEY WILL CONTACT ANY COMPANY TO VERIFY INFORMATION.
Product: Debt collection

I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.
Product: Credit card

on XX/XX/XXXX @ XXXX XXXX  i called customer service to request a copy of the terms and conditions ( contract ) of credit card accounts and which i had with Bank of America in XXXX and XXXX for an account ending in XXXX. I was informed that the request would take XXXX business days and i would receive the items requested by XXXX mail XXXX Approximately XXXX weeks later when i had not received the requested items by mail, I called customer service again to inform them that i had not received the requested items. I received an apology from the rep and was told again that the item would be placed in the mail and it would take XXXX business days. To date i have not received the requested correspondence which should have included XXXX copies of terms and conditions for XXXX separate credit cards merged into the same account. The XXXX agreement began in XXXX and the XXXX on XX/XX/XXXX according to the customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a XXXX XXXX decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided XXXX statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/20 ) I called XXXX  to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that XXXX  doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to XXXX  and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.
Product: Mortgage

In XX/XX/2021 we successfully completed our mortgage modification trial period proposed by Wells Fargo. Prior to making our final payment during the terms of the trial period we contacted Wells Fargo daily and were unable to connect with our representative by phone or email. We waited on hold for hours, were disconnected when being transferred, and when we spoke to other representatives we were told that our modification was still being processed. 

In the following nearly XXXX months since the completion of the mortgage modification trial period we have continued to make payments faithfully. We have also continued to try to get in touch with Wells Fargo only to find ourselves back in hold, having our point person changes several times, being transferred to representatives that sincerely seemed as puzzled as we are about why the modification has not been completed. 

At this point we reached out to an advocate to help us resolve the modification and move on to a more sustainable management of our mortgage with Wells Fargo going forward. Wed like the modification to be completed. 

In addition to this delay, our payments are not being fully applied as less than the prior amount, & therefore accruing additional interest inappropriately and continuing to cause damage to our credit. 

Sincerely, XXXX XXXX & XXXX XXXX
Product: Bank account or service

I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''
Product: Credit card

I had no issues getting into my XXXX XXXX ( Now target XXXX card ) account until I went to make my payment in XX/XX/XXXX. It seems like since the switch to XXXX XXXX came about. Kept sending me emails to reset password but the passwords did not work. They said they would have someone call me to fix this but never did. Called again during their business hours and always troubleshooted same steps but no resolution or I would get interrupted during XXXX min phone call at work and would have to call back another time. Finally on XX/XX/XXXX they connected me to XXXX which unenrolled by account, gave me a new username and it reset my password.. I finally gained access to my account today after 4 months of frustrations. Constantly calling and giving my private information over and over again to get access to my account has been frustrated and I was late on payments due to these frustrations. Account is up to date today but I feel like these deliquencies should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file. 
Specifically, the inaccuracies include : XXXX. Account Number : The account number differs from what is reported on XXXX. 
XXXX. Date Last Active : The date last active is inconsistent. 
XXXX. Date of Last Payment : The date of last payment is incorrect. 
XXXX. Last Reported : The last reported date is inaccurate. 
XXXX. XXXX XXXX : The payment status is incorrectly reported. 
XXXX. High Credit : The high credit amount is inaccurate. 
XXXX. Date Opened : The date opened is inconsistent. 
I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within XXXX days. 
Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Dear Gentle Person, I have two mastercards with XXXX XXXX -- I mailed in my payment with the correct payment stub the account I closed and the bank 5 days ago credited the wrong account -- I wrote to the President as the customer service folks stated it could take up to 30 days to fix -- which would leave my account that was suppose to be paid with a late payment unacceptable. 

Please assist in following up with XXXX XXXX to complete their job and correct their error. The Mastercard they paid is wrong -- they have been notified. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX They also reported the wrong balance to every reporting credit bureau and showed me over limit whem I was not affecting my credit score -- they said they corrected however did not -- they still showed me over and I was not. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Errors : The following personal information on my report is incorrect and must be removed : - **Incorrect Previous Address : 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  Account Disputes : I dispute the following accounts due to inaccuracies and unverifiable information. Please provide documented evidence for each account listed below. If substantiation can not be provided, please remove these accounts 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 Dispute : I am contesting the following collection entry. Provide documentation that verifies this collection accounts legitimacy, or delete it from my report : - XXXX XXXX - Account XXXX. XXXX XXXX Disputes : The following inquiries were not authorized and should be removed. I request Experian provide documentation of my consent, or delete these inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

I, XXXX XXXX, a natural person, consumer, and acting without any help from a third party want to complain that I sent Calvary Port a certified letter asking for an audit trail so that I could validate this debt per my consumer legal rights which are to protect me. Calvary Port has not sent me an audit trail and it has been six months. During this 6 months they have continued reporting these inaccuracies in spite of them being disputed which is also a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my XXXX XXXX and Equifax scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX and they said they would email me as they are escalating the issue. i have not received any such communication.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial. Nothing more than predatory practices and they should be shut down. Their behavior is nothing less than abusive. Financial abusers. Took out loan for debt consolidation. Went to pay the balance in full and they took the balance from my checking account. After the final payment, Im still being harassed by this company for some nonsense late fees. They are 100 % a predatory lender and prey on people that in tough situations and not the perfect credit score. This company is shameful.
Product: Money transfer, virtual currency, or money service

FISERV IS BLOCKING OUR XXXX MONEY TRANSFERS FROM OUR LAW FIRM CLIENTS TO OUR XXXX XXXX ACCOUNT, ACCORDING TO XXXX XXXX
Product: Student loan

This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.
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. 

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, Texas Attorney Generals Office : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department of Education XXXX # XXXX Have all 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

Equifax Unfair practices..On XX/XX/2021 my score dropped AGAIN 54 puts because my XXXX balance DECREASED by {$25.00}. NO REASON and UNFAIR. 

I disputed the XXXX charge with XXXX XXXX here on Consumer Finance as fraudulent account that wasn't mine AND IN THE SAME TIME FRAME because I disputed this account for {$5700.00} with BOTH BUREAUS SAME DAY. I'm STILL HAVING the same issue with Equifax about XXXX. They can not prove it's mine because IT'S NOT MINE. I called after 30 days of investigation for them to remove the account. Equifax told me that XXXX told them it was my account. I told Equifax that XXXX MUST PROVIDE PROOF! Equifax told me that the next step was to file a complaint with them requesting proof. I told Equifax giving them and additional 30 was against the law and to remove the account immediately! Equifax told me no. It was legal process. And gave them and ADDITIONAL 30 DAYS!!! They will not let me dispute even though the applications tool is present in my Equifax credit portal. So in the meantime, XXXX XXXX  and XXXX XXXX has issued me credit cards 5 weeks ago $ XXXX each and neither XXXX XXXX nor Equifax will add it to improve my score. TOTALLY UNFAIR PRACTICES ... Next step was I put a freeze on my social security number in XXXX to prevent further unauthorized actions of identity theft. I tested them by applying for the XXXX and XXXX XXXX Cards and they went right through. No freeze put in my SS # at all. Gave me immediate hard inquiries and dropped my scores. If anything negative happens, the credit bureau attacks my score and they refuse to give me credit increases. They told me I HAD TO BUY MY SCORE! I have access to XXXX XXXX so that's how I keep up.. If I have positive reports, they never raise my score until 5 or 6 weeks later or if at all. Please investigate. Sorry I don't have accurate dates at hand. Can I use for unfair practices, discrimination?
Product: Payday loan, title loan, or personal loan

I had a bad check cashed on my checking account, as a result, my bank blocked my account. I opened a new checking account, but I felt uncomfortable giving my account and routing number to  Silver Cloud Financial.  I called to make another way to pay them, but they wanted my ACH number. They would not offer sensible alternatives, they said i could mail them a money order, and I said that was too inconvenient They said Bank  of America  card would not process their payments, finally they suggested a prepaid card   XXXX   XXXX  . After getting the card, I called to make the payment. After speaking to  XXXX  and  XXXX , who both said I could use the   XXXX   XXXX   XXXX  , when I called to make the payment, they gave me the run around. They bounced me from  XXXX , to  XXXX , back to  XXXX , and finally,  XXXX  who finally processed the payment.  XXXX  took the payment but hung up and would not confirm that the payment was received. After calling back several times,  XXXX , said the payment was received and said my next payment is due on the   XXXX   XXXX   XXXX   XXXX  . I want to pay this loan off with no additional charges except the  XXXX  they say I still owe, My original loan was for {$500.00}. I have paid them  XXXX  so far. I usually would pay them in less than 30 days, but due to a financial emergency I could n't pay, so I agreed to payments. I did know the charges were so outrageous as they are..