23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Due to several financial setbacks I 'm always asking for lower payments however instead they keep putting me in forbearance. Once out of forbearance it seems my payments double or triple which in turn means I still can not make the payments. I have tried income based repayment but they do n't take your other debts into consideration, just your income and feel you can pay only Navient and no one else. I 've been doing the forbearance or deferment for years only to accumulate more interest. I 've tried telling them what I can pay per month versus paying nothing and only meet with the forbearance option. As a single person making a house payment and paying other bills, I feel their way of " helping '' is only making things worse. Since my school location is n't listed, I have these loans from attending XXXX XXXX XXXX - XXXX, IN ( On-line courses )
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION HAS DON NOTHING ABOUT XXXX XXXX FOR XXXX THIS IS NOT MY TRANSACTION.ALSO XXXX XXXX HAS ACLOSED ACOUNT ON MY CREDIT FOR XXXX THAT IS NOT MY ACCOUNT. I ALSO JUST HAD SOMEONE DO XXXX INQUIRIES ON MY CREDIT XXXX XX/XX/1921 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

I never signed nor endorsed any contract or applications that created any inquiries with the listed corporations, agencies, and or companies .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. 
I did not authorize the inquiries that are highlighted in the attachment. Equifax refuses to remove the items further sating that the unauthorized inquiries are a matter of record. Additionally, I would like any information that was sent to Equifax from the companies deemed as verification per my rights per 609 ( a ) ( 1 ) ( A ) of the FCRA. I did not authorize the following inquiries ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax also failed to do a proper investigation into this mater further violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for XXXX. Ive never had sprint either. I would like this removed.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX ( CLOSED ) {$4500.00} XXXX XXXX XXXX ( CLOSED ) {$1000.00} XXXX XXXX XXXX ( CLOSED ) {$4000.00} XXXX XXXX XXXX XXXX ( CLOSED ) {$4300.00} XXXX XXXX ( CLOSED ) {$6500.00} XXXX, XXXX. ( CLOSED ) XXXX XXXX ( CLOSED ) {$11000.00} XXXX XXXX XXXX XXXX ( CLOSED )
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiry on my TransUnion credit report that is not associated with me and was reported without my written authorization, specifically the inquiry from XXXX on XXXX. I already disputed this last month, but the inquiry remains on my report. I request the immediate deletion of this disputed hard inquiry. Reporting this inquiry without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to provide my credit report to other companies without my consent after opening an account in my name without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent inquiry on my credit report on XX/XX/XXXX from Discovery- I received the alert from my phone and immediately contacted them that it was fraud and to have it removed. I also have a fraud statement on my credit report. It has been over 60days it has not been deleted- I have contacted both XXXX and Discover and they both tell me to contact the other one. 

Today XX/XX/XXXX I contacted Discovery fraud and spoke to XXXX XXXX she told me to call back tmrw with this ref # XXXX and they can turn it from a hard inquiry to a soft- there shouldnt be any inquiry because I didnt authorize it- I want it removed
Product: Credit reporting or other personal consumer reports

Please review the documents ; some inquiries have inaccurate reporting, amounts, and dates. Please remove those.
Product: Debt collection

I attempted to contact this company XX/XX/2023 to verify a debt that they have put on my credit report. I have ask numerous time for them to validate the debt or send me anything in the mail. The customer service rep just kept asking me to verify my address. I a victim of identity theft and tried explaining but all she cared about was to keep repeating the $ XXXXamount and to verify my address.
Product: Debt collection

When the XXXX  seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit card or prepaid card

I signed up for a Costco Membership as well as a Costco Anywhere Visa Card by Citi. I registered my account but was initially unable to log in. After troubleshooting on my own for a week, I called Citi Bank and was told it was an authentication error on their side. The customer service representative I spoke to said that they reset my account and that after 24 hours I should be able to register again and then log in.

After waiting 24 hours, I was unable to reset my card. During the following weeks, I would continuously contact Citi Bank customer service and request assistance with this issue. For most of these conversations, I was told that a ticket was opened under my account to address the issue and that it should be fixed. Every time I contacted Citi Bank, I was advised to wait and try again after a certain amount of time. The second to last time I contacted them, I was told to wait a little over a week, and that I would receive an email confirmation that the ticket was resolved. 

During this time I also tried to pay off my credit card statement over the phone, and I was initially told that I was unable to do so because they were unable to find the routing number of the credit union I use. This was eventually corrected on a different call, but was still troubling. 

However, the registration issue persisted. On XX/XX/XXXX around XXXX XXXX several weeks after I first reported the issue and reached out to Citi Bank customer service, I was able to speak to a supervisor. Her name was XXXX, and she informed me that there was in fact no ticket associated with my account and that the only way to proceed was waiting 7 days to confirm my identity. At this point, my statement was due in 7 days, and she told me that I had no other options and that there was nothing that Citi Bank could do. 

This completely went against the previous information that Citi Bank had told me. The customer service that I've experienced has been the most unprofessional and unreliable I have ever experienced. Between the misinformation and miscommunication, I feel that this is a completely unreliable credit card service provider. I have spent close to 8 hours on the phone with Citi Bank customer service, and no solutions were found during this. This was not something that I did wrong, which the representatives I spoke to confirmed. This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be fixed. It should not take over a month and several frustrating phone calls to simply register for an account. 

I was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even over the phone, I was told nothing. To me, this is completely unacceptable.
Product: Credit reporting

A few months ago I disputed XXXX chapter XXXX bankruptcy entries with Experian ; after many attempts ; Experian continues to validate the entries and remove them from my report. In XXXX of 2016 I sent a letter straight to the Bankruptcy court at the address that Experian reported to me at the end of their investigation. The letter was returned to me undeliverable as addressed. this again shows that they 're reporting bad information. Please remove these entries from my report. I have uploaded documents proving my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 
Both together and separately my consumer rights and privacy rights have been violated by TransUnion, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In support of my dispute for an old student loan, I sent Experian the document they requested that showed all 15 of my current student loans in " Paid As Agreed '' status. Again, this was a document THEY requested. I sent in through the documents upload website, listing my dispute number as a reference for the document. 

Experian then proceeded to open 15 new disputes in my name, one for each of the loans. I called back frantically and canceled them, saying they made a mistake. The agent canceled them. 

I got 15 new emails an hour later saying XXXX had opened 15 new disputes in my name for the same loans, because of Experian 's mistake. I was unable to cancel the disputes with XXXX, they told me they had to let them play out - which they quickly did, within 24 hours. 

The very next day, I received dispute numbers from Experian for 15 ADDITIONAL DISPUTES for these loans. I called back again to cancel, and was left on hold for 1 hour and 19 minutes and disconnected, with no further word. I have proof of this. 

I called back the next day and cancelled the disputes with someone else, who blamed me for opening them and tried to make me feel like I did something wrong. She was able to cancel all but four disputes. During this call, guess what happened? I got 15 new dispute numbers from XXXX  - AGAIN - who opened them because Experian did, again. So now I've got both credit bureaus running around thinking I've lost my mind with all these disputes. 

You'll never guess what happened next, after I hung up with the Experian agent. Within the hour, those 11 disputes were opened back up AGAIN. I absolutely refused to call back and deal with this. XXXX in the meantime, put " re-disputing '' comments on my accounts on the report and caused my score to drop 20 points. I have given up trying to fix this, and spent two days sick from the stress of dealing with Experian. 

Experian has wasted almost 8+ hours of time with this false activity, which they admitted was a mistake and would take up with their agent. However, I still have open disputes with both Experian and XXXX, and my loan servicer thinks I'm insane. Thanks, Experian!
Product: Mortgage

I bank with XXXX. I use bill pay to pay my mortgage. XXXX 's bill pay company is XXXX XXXX My mortgage company was XXXX. They recently merged with another company and my mortgage payments go Truist Bank now. When i changed my bill pay information over to Truist I entered my account number incorrectly, I had one number wrong. My XXXX first mortgage payment of XXXX dollars was deducted from my account and sent to Truist. XX/XX/XXXX i received a call from Truist telling me they hadn't received my payment. I called XXXX the next morning and got the check number and confirmation number of the check. XX/XX/XXXX i called Truist and gave them the information. I heard nothing until the XXXX of XXXX when i received another call from Truist that said then never received the payment. Since then i called Truist six more times. XXXX XXXX times and XXXX four times. And still have not received my XXXX dollars. The last conservation i had from Truist on XX/XX/XXXX with XXXX. She told me they received the payment from XXXX on XXXX. But the account number didn't exist. So on XXXX they sent a check # XXXX payable to XXXX in the amount of XXXX. The check was processed by XXXX  and credited to a XXXX XXXX bank account # XXXX. Not my bank account. I called XXXX and they said they have no record of that. I spent ten hours on the phone trying to get this resolved and still haven't got my money back.I have dates and time of my conversations and with whom i talked if you need this information. Please help.
Product: Debt collection

I received a Letter from Gurstel Law Firm early XXXX who at the time was representing an creditor by the name of XXXX XXXX XXXX, XXXX and in the letter that they sent me was an enclosed annual copy of their client 's privacy Notice. Several months later I recieved another letter from XXXX XXXX XXXX whom then proceed to let me know that their records reflect a lawsuit that was recently served in the above matter and to please contact their office to work towards an amicable resolution. I was baffled by this because for one I have never been served with an summons ever and for two when I tried to call the number that was given on the form the phone number was not working XXXX. I ended up calling the number that was displayed on the right hand corner. I had spoke to a representative by the name of XXXX who stated really nothing but a payment plan as I couldnt talk to anyone else in regards of this. This has been a nightmare as I have spent countless hours, spent money on lawyers as well as credit repair agencies and no help. While I was the one of many whom was a victim of data breach where my social security and driver license was fraudulently used back as early as XXXX til this year of XXXX ; as was told from my bank and I have several texts from the banks that I have closed for several years of people phishing. They are claiming that I owe {$10000.00} which I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I order a product from XXXX XXXX  {$39.00}. When the product arrived it looked cheap so I returned the item. A month later I get a bill for the item. I called the company and ask if they received the item and they said yes. I said then what am I getting billed for and she said restocking charge.This has been on my credit report for two years and needs to come off because I dont owe them anything.
Product: Mortgage

I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. 
They did not contact me directly nor did I receive the document to my home. 
I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. 
Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.
Product: Checking or savings account

on XX/XX/XXXX I opened a money market account with Usbank in XXXX NV at ( XXXX XXXX XXXX XXXX NV XXXX ) I deposited {$220000.00} in a money market account that pays 4.25 % apy. and XXXX apr ..... I spent about one hour with a banker asking questions and I usually do that to avoid surprises ... and for 40 years been opening accounts like this and I know terms and conditions but to avoid untraditional terms I ask these questions about when the interset starts on the account ( the day we open the account ) do I get free checks... etc... I got all the needed answers and once the banker does not know an answer she runs to the manager XXXX XXXX XXXX for answers she was extremely helpful... and on XX/XX/XXXX I added to the account another {$25000.00}... I asked when the interset post to the account? I have been told about one business day before the end of the month .... 
on july 28/ 23 i stopped at one of the branches and I requested updates on my account they told me interest posted to the account is XXXX XXXXI asked for a quick print of the statement. I took the statement and I started my calculations simple interest calculation... 
{$220000.00} produce that much for the 5 days ( {$120.00} ) until I deposited {$25000.00} and both amounts {$240000.00} would produ XXXX for the rest of the 13 days I am short XXXX dollars... I tried to solve the problem... but the answer was sorry we started the interest on the day of receiving the money... but it was a discussion to solve the problem and we can not explain every thing in the terms given to you... but I asked and it was said and supposed to be the day of opening the account... so i closed the account the manager was very understanding saying I will raise your concern to the management about 13 days in the cycle and actually it is 4 days short .... in brief i did not get my full interest wich I am asking for fair reply and recuperate my full interset andto prevent more issues like this that goes unnoticed. thank you
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX TransUnion
Product: Checking or savings account

For over 1 year I have maintained a checking account with varying balances, a savings account with a balance of {$50000.00}, and an investment account with {$100000.00} at Wells Fargo bank in XXXX, Alabama. I never had transactions in my savings or investment accounts. On XXXX XXXX of this year I received a text message stating that an unauthorized withdrawal of {$3500.00} had occurred on my savings account. I later found out that several unauthorized withdrawals totaling {$13000.00} had already occurred. Wells Fargo restored all the money to my savings account and closed the account ending XXXX on XXXX XXXX. They transferred the outstanding balance to a new account ending in XXXX. They also allowed an unauthorized deposit that was pending from " The XXXX XXXX '' to be transferred to my new account although the agent at Wells Fargo told me that no deposits or withdrawals would be permitted to the new account without my personal appearance at the bank. I notified Wells Fargo that the deposit was suspicious and they sent the {$2000.00} deposit back to XXXX XXXX. They then proceeded to allow XXXX XXXX to withdraw {$2000.00} from my account without my permission or authorization, resulting in a {$2000.00} deficiency. Since that time Wells Fargo has exceeded the amount of time allotted for their investigation and failed to refund me the money that was lost due to their mismanagement. I transferred most of the money out of that savings account due to lack of confidence because a recent online survey showed that Wells Fargo is the worst bank in America.
Product: Credit card or prepaid card

On XX/XX/19, I logged onto my children 's place credit card issued by Comenity bank, to discover my credit limit had been decreased again. This is the 2nd time this has happened in less than 6 months.
Product: Checking or savings account

On XX/XX/XXXX I scheduled a XXXX XXXX at TIAA Bank to pay a merchant. XXXX issued a bill pay check in accordance with my request. 

My merchant deposited the XXXX check on XX/XX/XXXX, however, its bank rejected the check and charged it back as " Not a Valid Check ''. I scheduled a new bill pay check to be issued to my merchant. On XX/XX/XXXX through the online message center for my XXXX account, I requested XXXX to credit my account for the invalid check that my merchant was unable to process for payment. 

XXXX replied to my request in XX/XX/XXXX that they needed my approval a {$25.00} fee charge to stop pay the bill pay check that was returned as invalid. I responded on XX/XX/XXXX that my request for a credit to my account was due to XXXX issuing a check that my merchant was unable to process for payment, not because I wanted to stop pay the check so I should not be charged {$25.00} for a stop pay. I asked that if XXXX refused to credit my account that I wanted an operations supervisor to call me. 

Having received no reply, I visited the message center for my XXXX account. The earlier communications regarding this matter had been deleted and I was blocked from posting new messages.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud via CASHAPP on XXXXXX/XX/XXXX. I filed & complaint and the XXXX amounts the scammers stole from my account via CASHAPP were returned to me by CASHAPP. 

XX/XX/XXXX - I received XXXX emails from CASHAPP indicating that " XXXX XXXX filed with their bank for the $ XXXX payment you received on XX/XX/XXXX. This payment will be refunded from your account ''. CASHAPP stole from my bank account the following amounts : {$990.00} ; {$880.00} ; {$920.00} ; and {$480.00}. These amounts were never received to my account from XXXX XXXX. 

XX/XX/XXXX - XXXX XXXX and I were victims of the same scam on XXXX. He is my XXXX We have never exchanged payments between our CASHAPP accounts. XXXX and I have visited his bank and mine on XX/XX/XXXX and XX/XX/XXXX & XXXX has yet to receive the XXXX payments that CASHAPP alleges to have paid him. 

While these XXXX payments were unjustifiably & inappropriately removed from my XXXX bank account by CASHAPP, XXXX XXXX was prepared to just refund me the payments, however these payments have yet to appear in either his CASHAPP or bank accounts. In both of our accounts, the payments show as " refunding ''. 

XXXX XXXX and I have, since XX/XX/XXXX repeated contacted CASHAPP via chat, phone & email without resolution. XXXX, the XXXX XXXX XXXX confirms no receipt of funds. I saw with my own eyes the cashapp account of XXXX XXXX & funds are not registered there. I can confirm & provide evidence that the XXXX amounts were transferred by CASHAPP from my bank account. 

I have contacted my XXXX  department and XXXX XXXX XXXX to no avail. Cashapp responded to XXXX  the same way as past responses to me, via email from a manager that " when a dispute is filed and accepted by a bank, Cash App is required to return the funds '' even though I never received any funds and XXXX alleges NOT to have filed a dispute.