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

Company continues to stall, ignore, and block me in addition to allowing inquiries and unauthorized accounts to report on my consumer report which adversely effecting me. I have spoken to several managers and they have NOT been helpful. I have not had access to my consumer report in order to verify the items. The managers and agents have verified the FTC report as I have attached my initial report from XX/XX/2022. The comments state what my requests were - removing specified accounts and all inquires as I have not applied for anything. The FTC report ONLY allows 5 accounts to be added, hence the consumer statement.
Product: Money transfer, virtual currency, or money service

I ordered a bottle of XXXX " XXXX XXXX XXXX XXXXXXXX '' perfume on XX/XX/2022. through PayPal account. The merchant originated in XXXX. His name is XXXX XXXX. He never sent the merchandise ; but PayPal charged me {$62.00}, with service fee. The perfume cost {$57.00}. PayPal claims they have a proof. Please help, because this is a fragulent activity. It is been 2 months, where is the perfume?
Product: Credit reporting or other personal consumer reports

Experian credit report is reporting negative adn incorrect information on my credit report I have disputed this many times and sent in the necessary documents for removal as well as filed police reports and identify theft reports the accounts are still being reported, and experience has not corrected the issue. 

XXXX XXXX  THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME XXXX XXXX XXXX XXXX THIS CARD AND ACCOUNT AND balance do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXXDelete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX Transunion : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?
Product: Student loan

Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current Wal Mart {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days.

XXXX Credit {$600.00} Closed acct was less than 30 days late when closed.

XXXX Master Card Credit {$1200.00} closed acct was current.

XXXX Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX Mastercard {$2700.00}
Product: Credit card or prepaid card

I spoke with multiple XXXX  customer service employees in various departments at their main customer service number. After 2 hours on the phone I was advised that I am no longer permitted to make purchases on XXXX with my XXXX   XXXX, the XXXX store credit card. The only explanation provided was it was due to an abnormal order history. I have no idea what that means and the final representative hung up me. I was advised there is no recourse to change this. I do not understand what is occurring and would like to continue to make purchases on XXXX. Please assist.
Product: Student loan

My account showed in good standing after consolidation and application for public service loan forgiveness. My account balance on studentaid.gov also showed a XXXX balance " in good standing '' and suddenly my loans reappeared. Mohela has sent numerous statements since then with a ridiculously high monthly payment though I was in an income driven repayment. Mohela has grossly mishandled my student loans, forgiven them and then reinstated them, and reporting my loans to credit bureaus with incorrect information. My credit score has taken a hit though I did nothing but apply for loan forgiveness and consolidation as instructed by Mohela representatives. I should be eligible for student loan forgiveness but my account has erroneous information and I am being inundated with different amounts, past due statements though I should be in forbearance while student loan forgiveness is being calculated. While my loans showed in good standing and at " zero '', I was unable to submit or correct issues with my XXXX application. My mental health has been impacted due to the back and forth and especially due to the " good standing '' and " XXXX balance '' on BOTH Mohela and Studentaid.gov ( and removal of my student loans on my credit report ) and then having the loans show up weeks later. XXXX  mishandling of my account and this will take me months to sort out with the credit bureaus which impacts my family 's wellbeing and my XXXX XXXXXXXX.
Product: Mortgage

I bought my house in XXXX I was forced to file for bankruptcy. Chapter XXXX. Reorganization. I lost my job and was denied unemployment due to Covid 19. Local agency actually did not help me in any way. They made it very difficult on me because I complained about them on social media. So I was working for temp employment agency. I only worked part time 24 hours a week. US Bank would denied me loan modification. So I was forced into bankruptcy to save house. I struggled to make the trustee payments. I kept making trustee payments but was unable to make US Bank mortgage payments. I recently on XX/XX/XXXX signed on full time with company offering full time wages and benefits. As soon as they could legally US Bank filed to remove me from my home. Even though I just started working and requested loan modification application. They made me wait 1.5 hours on phone only to be told they can not let me fill out anything electronically. They will mail me application. They lied. They never mailed me anything. Except court papers to have me removed from my home. Even though I can afford to pay them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 of XXXX I contacted US BANK and was placed on a program for covid relief so I would / my companies would not be accruing interest and with a no pay status for X amount of months. I have hundreds of hours on the phone and have made no progress with any of the banks representatives to resolve the situation. They are making it impossible. Before this I had an XXXX credit score and because of the lack of help from the bank its down to XXXX. Same scenario for multiple accounts. 

I am hung up on / disconnected calls from the bank every time. ie ; on the phone for 4-6 hours a day transferred to multiple representatives that I have to re explain the scenario to. They do not and will not do their job, or honor the promise in the programs I was placed into. 

They have all calls recorded and Im being light about saying I have over 300 hours in phone time without the bank resolving anything in the last year.
Product: Mortgage

M & T Bank is imposing a charge of {$420.00} due to their merge with Peoples United Bank. 
as customer I am not responsible how to run their business. I did not have any loan modification nor have signed anything. 

" We are the successor by merger with Peoples United Bank ( PUB ) effective XX/XX/2022 ''. it's very clear their predatory business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The charges of {$1600.00} on account XXXX & or XXXX are fraudulent & were not authorized by me. All the information on this account was changed including number & address that I have no association with.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX XXXXXXXX and XXXX XXXX.
Product: Debt collection

I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed XXXX XXXX as not my account on XX/XX/XXXX I received a letter Confirmation # XXXX from Equifax, dated XX/XX/XXXX stating that they updated the information on the report. It was still incorrect so I mailed a Method of Verification Letter on XX/XX/XXXX and requested they reply within 15 days. I have not received a response.
Product: Debt collection

I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact XXXX XXXX ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the XXXX XXXX  financed for me in XXXX of 2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the XXXX XXXX  said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and XXXX XXXX  trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNDER THE STIPULATIONS OF 15 US CODE 1681i ( 6 ) ( iii ), IT IS MANDATED THAT CONSUMER REPORTING AGENCIES EXPERIAN, XXXX AND XXXX ARE REQUIRED TO FUNISH A WRITTEN NOTIFICATION TO ME UPON REQUEST , DETAILING THE XXXX  EMPLOYED TO VERIFY THE ACCURACY AND COMPLETENESS OF THE INFORMATION ON RECORD .THIS INCLUDE PROVIDING THE NAME AND ADDRESS OF ANY INFORMATION PROVIDER CONTACTED DURING THE VERIFICATION PROCESS, ALONG WITH THEIR CONTACT NUMBER. OVER 30 DAYS AGO, I SOLICITED DOCUMENTATION TO SUBSTANTIATE THIS ACCOUNT, YET I HAVE RECEIVED NO SUCH DOCUMENTATION, WITHOUT LEGITMENT PROOF BACKING THESE ACCOUNTS, IT HAS NO BASIS TO BE INCLUDED IN MY CREDIT REPORT.
Product: Debt collection

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, HAPPY MONEY INC, XXXX XXXX CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am depressed and stressed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud
Product: Money transfer, virtual currency, or money service

Cash app stated I have pending transactions and on my end theres nothing pending XXXX trying to close the account and they wont allow it They have also given me a history sheet for the merchant XXXX  which resulted in multiple transactions of the same amount as voids and charges As I checked my financial statement none of these transactions existed on the statement But when I inquired as to why my money was gone they sent a history sheet for XXXX  transactions. This is fraud to my knowledge I was charged twice and they are claiming that I wasnt when I clearly was. 

Im trying to close the account but they wont allow it
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Product: Student loan

XX/XX/2015 I got hit with a {$3800.00} in fees and costs, {$1100.00} in interest. Bringing my loan amount from {$14000.00} up to {$19000.00}. I could not make any payments because I was working for $ XXXX/ hour and commuting 2 hours a day. I barely had money for food let alone gas to get back and forth from work. Then the interest goes up on the next bill to {$1700.00}, the next one after that,  {$1900.00}. And you stupid XXXX crooks expect me or anyone to pay more then that a month? XXXX you. You garnish my wages at a low amount so you could leech off more interest and add more fees. I'm going to be getting in touch with my states attorney. You XXXX have taken way more then what was owed to begin with. I also see that you guys and the XXXX XXXX screwed over many other students by handing out loans like free candy. Oh, and above all that. You guys also crippled my credit score with your 16 different freaking loans
Product: Credit card or prepaid card

My XXXX  XXXX keeps getting turned down when I try to use it. This occurred 4 times in the past 3 days ( XXXX XXXX, and XX/XX/XXXX. I called the customer service number 3 times and each time the problem was supposed to be resolved. The reason given for the first 3 times my card was declined was suspicion of fraud. The attempted purchases included XXXX online companies in amounts less than {$100.00}. The XXXX decline was for {$170.00} at XXXX XXXX XXXX in my home town. I called after each decline and the hold was supposed to have been lifted each time. Today, I tried to register and pay for my XXXX XXXX at XXXX XXXX but my card was declined again, for unknown reasons. I have always paid my bill promptly, I have not exceeded my credit limit, and I have a very good credit score. This credit card charges an annual fee but has failed to provide the services for which I paid. They have failed to correct whatever the underlying problem is with their algorithms that determine whether my card is accepted or declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and Experian who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted three letters to trans union and XXXX stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not trans union nor XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX  XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

I have multiple unrecognized inquiries on my credit report. 
Experian credit bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Those inquiries were not authorized by me. If Experian believe otherwise than it should provide documents with may signature that specify permission to access my credit report, making an inquiry.
Product: Debt collection

CAINE WEINER is claiming that I owe them {$550.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

I built our home and closed on our home in the end of 2018. They lender failed to provide us with accurate figures in the truth in lending disclosure as it relates to the estimated taxes on the home, and this has now caused a shortage in our escrow account, raising our mortgage payment by close to XXXX $ per month. While the shortage is accurate it is a result of them estimating our property taxes using an inaccurate figure at the time of closing. The land was valued at {$29000.00} by XXXX county GA the improvements to the land that were appraised prior to closing were {$290000.00}. Wells Fargo only estimated taxes for our escrow account baced on the valuation of the land ( XXXX ), not the land and then improvements as required. This resulted in them providing us an inaccurate estimated monthly payment when we did our mortgage. Now to make up for that shortage in escrow they expect us to pay an unreasonable amount additional per month. Had we been provided a more accurate in good faith estimate by the lender at the time of closing we could have had the opportunity to evaluate our finances or perhaps shopped around with other lenders. I spoke with the tax accessors at XXXX county today XXXX. Wells Fargo would not have given us a mortgage for XXXX if the land was only worth XXXX which they estimated our taxes for escrow on.