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

This is a new " old '' request for Experian. Thank you for updating my correct address. However, on the website, I am unable to see the actual results. I have attached what I was able to " see ''. Thank you for adding my personal statement. However, I wish to adjust that statement based upon encounters with XXXX and Experian.
Product: Credit reporting

I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX SERVICES XXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I have had an unauthorized inquiry on my credit file from a company in California named 'XXXX XXXX ' on XX/XX/XXXX. The company had used the services of the company XXXX XXXX to do so. Having learned about this, I contacted both XXXX XXXX and XXXX to have this issue looked into and resolved by having the unauthorized inquiry removed after they concluded their internal investigations.

To an extent, this exercise was successful as both companies had worked in conjunction with me and had issued notices to the XXXX, XXXX, and Equifax credit bureaus. By XX/XX/XXXX, both XXXX  and XXXX promptly removed this unauthorized inquiry from my file. Equifax did not.

I, alongside XXXX XXXX and XXXX, have since worked with Equifax to have the same inquiry removed from my reporting file, but to no avail. I have spent hours upon hours calling their customer service lines, talking to their frontline representatives and managers in the XXXX until being transferred up the command chain all the way in XXXX, GA, who by now know my name and all details very well. But continue to dodge, ascertain and impress upon me that the inquiry was legitimate, despite the agency XXXX XXXX, explicitly doing the needful and resending confirmation via my fax and postal mail many times over of their mistaken inquiry.

Every Wednesday and Friday since XX/XX/XXXX, to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry, after plentiful verification was submitted to them, by me, XXXX, and XXXX XXXX. Yet, to the day, Equifax, refuses to remove the corresponding inquiry from my credit file.

Please help.

I can be reached on my cell at XXXX, or via my email at XXXX.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Purchase made XXXX  at a small merchant kiosk in XXXX XXXX while on vacation for XXXX  XXXX  for a total cost of {$7.00}. Merchant did not provide receipt. Upon return to the United States, discovered that the charge to my Capital One credit card was for a total of {$7000.00}. Attempted to reach out to merchant, with no response. Filed a dispute with Capital One credit card, and they requested additional information, including a receipt. Provided written response, along with detailed information about the transaction and explained that no receipt was provided. I reached out to the merchant again to request a receipt, with no response. Capital One credit card denied the claim, and is holding me responsible for the full amount of the fraudulent/error charge. This charge is fraudulent, and Capital One will not pursue the merchant for information or proof of large amount of charge and is holding me responsible even though their dispute protocol states on their website that they will reach out to the vendor to request proof of sale.
Product: Mortgage

I am responding to the recent settlement with Wells Fargo. 
Wells Fargo wrongfully and fraudulently filed a foreclosure actionXXXX XXXX against me in XXXX. They fairly quickly voluntarily dismissed the case but it took 8 months, court appearances and a great deal of distress. 
Then in XXXX of XXXX, I attempted to make my mortgage payment online and they wouldn't accept it. I called customer service and the representative asked me to sit down and then proceeded to inform me that they didn't want my money, they wanted to foreclose. Wells Fargo shortly thereafter filed another wrongful foreclosure action against me. That case was finally dismissed in XXXX of XXXX. Three years of stress/damage to my credit report/Slander of Title in the Official Public Records of XXXX XXXX XXXX XXXX ( they didn't even get my name correct on the complaint ).  The stress of being served with surprise lawsuits against me, the continual threat of the loss of my home of 23 years and going to court has been overwhelming and has damaged my mental and my physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to Navient ( my student loan holder ). 
My application was received and accepted by Navient and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. Navient still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. Navient also notified me my application was approved, would be dismissed and removed from my credit report.
Product: Consumer Loan

In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their was an fraudulent attempt from an unknown individual out of Florida and applied for a XXXX credit card. 
Long story short this is the second attempted to get this inquiry removed from my credit report still reflecting as of XX/XX/2018
Product: Debt collection

I XXXX XXXX XXXX have received a notice from Credit Protection Association, LP ( CPA ) alleging that I owe them a debt of {$550.00}. I have no knowledge of this company nor accept or acknowledge having or owing them any debt or money. I would ask that they validate this debt with original documents proving my ownership. I have mailed an official response letter to them within the 30 day response window provided by FDCPA law. I have attached a copy of their notice to me and my response to them.
Product: Consumer Loan

I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.
Product: Vehicle loan or lease

My XXXX  was purchased brand new in XXXX XXXX and Financed through Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX. 
Their payment address is : XXXX XXXX XXXX XXXX GA XXXX This bank has no online payment portal or website, does not take payments over the phone without a fee and now has NO PAYMENT Processing center. 
I sent my payment for XX/XX/XXXX to them on XX/XX/XXXX via XXXX XXXX  XXXX XXXX it was mailed to the XXXX XXXX in XXXX Because this company has no technology XXXXXXXX XXXX mails them a physical check. XXXX XXXX mailed the check for XXXX on XX/XX/XXXX to the GA XXXX XXXX XXXX On XX/XX/XXXX I noted the payment had not been cashed/cleared my bank account. On XX/XX/XXXX I called Synchrony @ XXXX and was told I needed to wait 7-10 business days. This was weird because usually Synchrony cashes it either the day its sent or the next day. My wife called them back on XX/XX/XXXX and was told that their payment processing center in GA ( address listed above in GA ) was unknowingly or surprisingly shut down and all payments had been routed to someplace in Texas. My wife has called them every day starting on XX/XX/XXXX to see if they had the payment. 
Today XX/XX/XXXX when she called, she was told that we need to wait for the checks to be caught up. They are trying to process thousands of checks, but this is not my problem. If we want to make a payment tomorrow ove the phone XX/XX/XXXX for our due date of XX/XX/XXXX it will cost us a Fee which they refuse to waive. They refuse to provide a new payment address and have left us almost to the point of not being able to make our payments let alone timely. We need help making sure payments are captured timely and posted timely. 
I find it very hard to believe that they had no forewarning about their payment processing center in GA being closed. I also find it hard to believe that they have NO OTHER WAY of accepting payments. They want to setup for direct XXXX withdraws from my checking account, but they can't even handle a paper check so I can't trust them on this. 
At this point my XXXX/XXXX payment is going to be late due to their ineptitude and they say they will waive fee 's but I doubt that as well.
Product: Student loan

I requested an IDR plan ( Saving on a valuable Education ) in XX/XX/XXXX. I was under the understanding that my account was to be put in an administrative forbearance until my loans were approved for the XXXX plan. I was given misinformation. I realized on the same day that the forbearance request that was submitted by the customer service rep was incorrect and was not what I wanted after speaking with my wife. So, I called back on the same evening to inform them I that I only want an administrative forbearance to cover the period until the Saving on a valuable Education got approved. I was assured on that phone call that the one-year forbearance request would be canceled and the administrative forbearance for XXXX until the approval of XXXX would be applied to my account. Instead, my account was approved for a XXXX forbearance on XX/XX/XXXX that ends in XX/XX/XXXX. 

I have called back numerous times to try to get this corrected. Each time I call, I have been assured that this will be taken care and would be expeditated. As of today, I am still waiting my loan balance is continuing to rise with interest charges. I am not working my XXXX plan was to start on XX/XX/XXXX, with zero payments and no interest being added to my loan balance. This has truly been a nightmare for me. Here are some of the dates that I called concerning this matter : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the most recent call was on XX/XX/XXXX. There were so many other calls that were made between XXXX and today. 

I would like to have this matter resolved asap. I feel that on so many occasions the ball has been dropped. I have spoken with several of supervisors also who has assured me not to worry that things are being expeditated. But yet and still it's been almost two months and still nothing, no activity, no updates to my account, just the loan balances just keep rising higher and higher. Please help me resolve this, because I have been under tremendous stress over this, and I am still under tremendous stress and is now at the point of XXXX and feeling hopeless of ever getting this resolved. My loan servicer is Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record on my credit report, challenging the accuracy, compliance and reportability of the bankruptcy listing in my credit report ( faxed to Transunion on X/XX/2017, and mailed in XXXX/2017, and XXXX/2017 certified mail ). I never received the investigation results of the bankruptcy dispute. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws. I included a copy of this letter with the fax on XX/XX/2017. I did receive a confirmation letter from TransUnion stating they received my faxed dispute and the court letter, but the letter from the court was n't information they could use. I never received any notification letter from Transunion regarding the results of these disputes about the public record. Currently, on my Transunion report, it states that information is obtained from a third party. Well, who is this third party, that gives/sells information to the CRAs? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating, and then selling the information to credit reporting agencies. Public records information is NEVER validated by the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Bank account or service

I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.
Product: Money transfer, virtual currency, or money service

I am writing to formally express My concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle Failed to investigating my claims adequately. They informed me That recovering lost funds was impossible and tracking these Transactions Was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), 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, Experian, XXXX credit XXXX XXXX XXXX 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$3600.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX bal. {$3400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$840.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Yesterday I was contacted on my job by the manager of this location. Not only did they call but they called about six times. My coworker explained that it sounded like a child. Everytime she would put her on hold and I try and pick up the phone they would hang up. She was disguising her voice. I was able to take pictures of the time stamps of the caller id showing the calls and the time stamps. I went into the store to pay and the XXXX was saying that I owed XXXX. I gave XXXX XXXX. Once I got the receipt it only showed I owed {$540.00}. So I told them to give me my {$96.00} back. The manager refused. At this point I 'm not sure if this lady is trying to keep my money but how can you change me something that 's now showing on the receipt. I also asked for a print out of my payment history and was told I could not have that.
Product: Payday loan, title loan, or personal loan

Well I applied for thru some other people on some other hype so it jus went left it jus was not coo it was only {$250.00} dollars
Product: Checking or savings account

Capital one 360 has forbidden me from accessing my personal savings info and funds