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

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am XXXX XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Mortgage

I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,
Product: Credit card

1 ) INITIALLY FOUND HARD CHECK ON MY CREDIT SCORE ;. 2 ) FOUND COMPANY REUESTING TO BE " CB INDIGO '' A SUBSIDIARY OF XXXX XXXX  ;. XXXX ) CALLED CB INDIGO TO FIND OUT WHY THE REQUEST WAS MADE. NO ANSWER OBTAINED ; XXXX ) CONTACTED XXXX XXXX  - REFERRED BACK TO CB INDIGO. NOW- have received an email form INDIGO MASTERCARD stating that my request for a Mastercard was denied. I NEVER, EVER APPLIED FOR THE INCIGO CARD. I NEVER provided my email address. IN ADDITION the credit info was all wrong.
Product: Checking or savings account

Failed transactions with XXXX XXXX  purchases and the same error code appearing as it had 3 werks ago. 


It took over 9 hours the first time before I was allowed access to my earnings once more in my dasher direct checking account. 

Now on XX/XX/year> my account is once again locked by a member of XXXX overseas hired company. Leaving me unable to access my wages that I earned Once again there is no email notifying me of any issues. of my account being locked. No one will provide details of what occurred. And denied XXXX  dasher perk to speak with dasher direct chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used inXX/XX/XXXXand XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Product: Mortgage

I have been attempting to contact the trustee, XXXX XXXX XXXX since last week - as instructed by my lender Wells Fargo - but not able to get through, the call hangs up every time and I have tried from multiple lines. I then contacted Wells the day before the auction sale and the day of the sale to cure the default in full, they referred me to the trustee again. No answer and disconnected from trustee 's phone number. I have the funds available to cure the default in full and was asked to send in proof. I had a 3-way conversation with a representative from Wells Fargo and a representative by the name of XXXX XXXX from my bank Wells Fargo to get a fax number to send the proof of funds. It took Wells Fargo over 45 minutes to provide me with a valid fax number as I stayed on the line with them while faxing the information over ( see attached ). Wells Fargo stated that they could not get in touch with their attorney ( XXXX XXXX XXXX ) and that I can try to call myself. They were not of any help to me and left me with no options but to keep trying to call the trustee with no luck. I also was never properly served with the Notice of Default and Notice of Trustee sale so I feel my homeowners bill of rights was violated as no true alternatives to avoid foreclosure was given to me instead they proceeded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information that are reported on my credit report. I need this fraudulent information removed immediately.
Product: Debt collection

Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, Thank you for facilitating communication between me and Net Credit regarding my formal complaint. However, I am deeply dissatisfied with the response provided by the company, as it fails to address the concerns outlined in my initial complaint adequately. While Net Credit maintains that their lending practices comply with applicable laws, it is evident that the terms of the loan agreement were excessively burdensome and ultimately unsustainable for me. Despite my diligent efforts to make payments, the exorbitant interest rate of XXXX XXXX has resulted in an unjust financial burden, leading to my inability to maintain the account. Net Credit 's response highlights the terms of the agreement, emphasizing that customers are made aware of the fees associated with the line of credit. However, the emphasis on disclosure does not absolve the company of responsibility for engaging in predatory lending practices. The fact that the agreement explicitly states, " This is an expensive form of credit, '' does not justify the exploitative nature of the terms presented. Furthermore, while Net Credit claims to offer repayment options, including the opportunity to contact them for assistance, my experience contradicts this assertion. Despite my attempts to seek alternative solutions or hardship options, I was met with unhelpful responses and no viable alternatives were presented. This lack of flexibility further exacerbated my financial distress. Moreover, Net Credit 's decision to report negative remarks associated with the loan to credit bureaus has significantly harmed my credit score, further exacerbating the financial consequences of this loan. The company 's unwillingness to remove these entries despite the circumstances demonstrates a lack of empathy and understanding of the challenges I faced. In conclusion, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the lending practices of Net Credit, as my experience highlights the urgent need for consumer protection in the financial industry. I request that the Bureau take appropriate action to ensure that borrowers are not subjected to predatory lending practices that jeopardize their financial well-being. Thank you for your attention to this matter, and I look forward to a fair and just resolution.
Product: Debt collection

Nationstar Mortgage LLC is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.
Product: Credit card

On XX/XX/XXXXXXXX  I made 3 payments to State Farm Insurance Co charged to my US Bank credit card which I will refer to as account # 1. There is another US Bank credit card account I will refer to as account # 2. The amounts charged to account # 1 were {$510.00}, {$480.00}, and {$570.00}. Please note this account # 1 has a 0 % interest promotion till XX/XX/XXXXXXXX  and that is why I wanted to use it. The amounts of {$510.00} and {$480.00} billed to account # 2 properly. But the amount of {$570.00} was applied to account # 2 in error. Please note I was on the same screen for all 3 insurance policies at one time in the same payment session. I received an email for each payment from US Bank. One of the emails stated that the {$570.00} was charged to account # 2. I called US Bank on XX/XX/XXXXXXXX  @ XXXX and explained what had happened 3 times to the same person. She just could not understand what I was telling her. Which was a very simple thing to understand. She then told me that she did see the charges on both accounts but could change anything till it billed complete, that they were still processing. She told me should would handle crediting the account # 2 and billing it to account # 1 as soon as it finished processing. But she never did. I have had several situations with US Bank in which they refused to follow there own published documentation, they were very disrespectfully, they never do what they said they would do, it was always someone else 's fault or responsibility, and I was always wrong but they ended doing what I requested and suggested only after I registered a complaint with you. Today when I called and started to explain what happened the lady starting interrupting me after I spoke every few words or so, and would say she would not be able to help, or that I would have to go to State Farm, or its too late to do anything now, before she even heard the complete series of events. I never got to tell her which accounts or any dollar amounts. When I asked her to please stop interrupting me and please let me finish my sentences I heard a click and a beep on the line like when a recording is stopped or started. After that she really got ugly, so I just told her never mind I will just make a complaint with you, and she told me " I don't care what you do '' and said good by and abruptly hung up. So all I am requesting is that account # 2 be credited and the {$570.00} be transferred to account # 1 and any interest charged on account # 2 be credited to that account.
Product: Debt collection

Transfinancial Companies is trying to collect that has not been verified nor validated. They do not have have my correct information and this is not my debt.
Product: Credit card or prepaid card

Situation : I was charged {$9000.00} on XX/XX/XXXX for payment to a contractor through XXXX.Ayear and a half later this moneyremains unaccounted.I filed a CFPB complaint against Barclays on XX/XX/XXXX and was told there was no new information to the case. There has been more information gathered after their XXXX response on XX/XX/XXXX that involves two conversations with Barclays representatives. 

I am attaching tapes of these two conversations. 

1. The first is a recorded call on XX/XX/XXXX between a XXXX representative, XXXX, and a Barclays representative. Starting at XXXX - XXXX during this call, XXXX representative confirms that the bank ruled in my favor on the chargeback and they refunded the money on XX/XX/XXXX. 
2. The second conversation occurred on XX/XX/XXXX with a Barclay Supervisor named XXXX. Beginning at XXXX in this call, she states that there is a strong likelihood that XXXX refunded the money to the closed credit card XXXX and that was never transferred. 

Barclay continues to say that they returned the money to XXXX on XX/XX/XXXX. XXXX, in a XXXX complaint and on XX/XX/XXXX, says that they sent the money back on XX/XX/XXXX to the originating Barclay account ( XXXX ) which Barclay has previously closed so I had no access to transactions that occurred on that account. 

Further, in response to my XXXX XXXXCFPB complaint, I was given yet another unmanned phone line to contact regarding my complaint. When I call the number provided, I can only leave a message and to-date no one has responded to my inquiry in almost a month. 

Im requestingthat Barclays send me thetransactionrecordsformy closed credit card account ( ending in XXXX ) from XX/XX/XXXX- XX/XX/XXXX as I have a strong reason to believe that XXXX refunded the money back to me via the old credit card they had on file ( XXXX ) that was no longer an active card and that money was never transferred over to my active card ( XXXX ). 

I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXX 's response ; and written numerous letters requesting resolution. While Barclays responded that no new information has been presented, I disagree andrequest that Barclay provide transactionalaccount statements on my closed account, XXXX, from XX/XX/XXXX to XX/XX/XXXX toshowthatBarclay never received the XXXX XXXX XXXX transaction. Please respond to my email with any additional information requests you may have.
Product: Checking or savings account

On XX/XX/, I went to the XXXX XXXX branch of US bank to deposiXXXX {$640.00}. I checked my account and realized the money was never deposited in my account. I went back to the branch and they had deposited my money into someone elses account. They apologized and told me by the end of the week, they will deposit the money back into my account. Its now XX/XX/2023 and the funds are still not there. I contacted the representative and she told me she is sorry and will give me an update later today and she sent me an email with the same message. She has not called nor answer my emails for an update. Even customer service doesnt want to help me. I have been with US bank for over 15 years, I feel like someone stole my money and no one cares to help me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX to reinvestigate XXXX XXXX account on XX/XX/XXXX, XXXX stated everything was accurate and completed on XX/XX/2023. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I asked XXXX XXXX serval times of date of last reported, date of last activity, payoff disclosure, credit insurance, interest rate. And the original contract with my signed signature on it according to the FCRA LAWS pertaining to my credit report. I did not receive anything from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian notice of Identity Theft with instructions to block the information. 
Experian removed the information which is evidence of violations of 15 USC 1681e. 
Experian reinserted information which was known to be in connection with identity theft after removing said information from my consumer file. I have not seen or been presented with evidence showing proper notice was made for the reinsertion of the information which is a violation of 15 USC 1681i ( a ) ( 5 ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion XXXX XXXX, 2017 and spoke with a representative. I received a letter earlier this year about a security breach I did n't think anything of it until all of these inquiries started popping up on my credit report. The representative stated that they would not be able to assist me as I will need to wait the 2 year period for them to fall off. I have not applied for any form of credit and should not be held accountable for things like this
Product: Debt collection

In XX/XX/XXXX I reviewed my CBR and noticed a Money Lion account that I had not opened. This account was opened in XX/XX/XXXX. So I called them immediately. 

This account was opened with an e-mail, phone number and ADDRESS that was not mine and has NEVER been mine. I have proof of my address in a rental agreement, I had been at my residence for over 2 years when this account was opened. 

I contacted the agency ( Money Lion ) immediately in XX/XX/XXXX and they closed the account and sent it to the fraud department after VERIFYING WITH ME THE INFORMATION WAS NOT MINE. I was told this would be handled and would no longer reflect on my credit report. I have not heard anything from this company since XXXX. 

I disputed the account in XXXX as it was still showing on my report, and the company verified it on my credit report in XX/XX/XXXX. How can you verify an account that was fraud?? The address is not mine I have documents to prove where I lived in XX/XX/XXXX and it was not at the address they have listed for this account. 

I have called and they will not allow me to speak with a supervisor, they make you wait for a call back. I'm still waiting for my call back since XX/XX/XXXX. 

I called again today XX/XX/XXXX and was told by a representative that this account is still in the fraud department. I have given this company ample time to investigate and they have not done anything. I again asked for a supervisor and they denied me. I asked to speak directly with their fraud department and they told me that is not allowed. Why would I not be able to speak with the people handling my fraud case? 

It has been 7 months. They should have had an answer for me after 30 days. The account should have been removed after 90 days because the information is incorrect as it is a fraud account. It has been well over DOUBLE that time. I need this account removed from my credit report and they refuse to do it or let me speak with a supervisor or the fraud department.
Product: Student loan

MOHELA is my student loan servicer. They received an autopayment for my first student loan payment after the " pause '' on XX/XX/2023 directly from my bank account. Today, XX/XX/2023, I was notified by MOHELA that my loan was placed on XXXX XXXX. I did not request this nor did I miss a payment. I tried to call them and I was alerted of an XXXX minute hold time on their automatic phone line. I stayed on hold for XXXX minute and then I was hung up on. I tried to contact them through the studentaid.gov phone number and I was on hold for over XXXX minutes and then my phone 's battery died. There is no email or direct messaging available for MOHELA. I sent a secure email through their website and I was notified that they will get back to me in 15 days. Meanwhile, my loan will accrue interest for those 15 days! I refuse to pay this amount since I can completely afford and pay my monthly loan amounts. I am also in XXXX, and I believe time in forbearance does not count towards XXXX.
Product: Credit reporting or other personal consumer reports

I want to be absolutely XXXX did not authorize this company to pull my credit report, nor was I aware of any legitimate reason or transaction that would justify them accessing my credit. This inquiry is in violation of the FCRA, which requires that credit inquiries be made only for permissible purposes, such as a transaction initiated by me or for a credit application I have made. As there was no such authorization from my side, this inquiry should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation