23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is listing a judgment on my report. I contacted the XXXX XXXX courthouse and they stated the judgment was entered but never actually filed. I 've disputed this listing 3 times and Equifax keeps saying they verified it. XXXX and XXXX both deleted the judgment because they could n't verify it.
Product: Debt collection

School closed down for fraud all of my accreditations were snatched from me so why should I have to pay back a loan?
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Debt collection

XXXX XXXX XXXX purchased my information from Capital One Bank USA, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments.

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my Transuion and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the folowing fraud account still reporting on my credit file : XXXX XXXX XXXX  Account numberXXXX. I have supplied Experian with the federal police report to show I am I victim of identity theft and this company has caused harm to my personal injury. 
I have noticed Experian has removed multiple good standing accounts causing personal injury to my credit worthness/credit file : XXXX XXXXXXXX Bank XXXX Account XXXX XXXX XXXX Bank Account numberXXXXXXXX XXXX Bank Account XXXXXXXX XXXX Account XXXX, XXXX Account XXXX, Account XXXX XXXX XXXX Account numberXXXX. I need the following accounts recerted back on to my credit file immediately. 
I also have no access to my credit file when making purchases, logging online, and checking my credit/
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all XXXX bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX And any other information that goes against the consumer me
Product: Mortgage

I recently discharge from bankruptcy and I was reviewing my mortgage and noticed that my loan balance balloon to almost {$100000.00} from the original loan amount of {$54000.00}. I do not understand how the mortgage balance increase to such an extraordinary amount. I reached out to Caliber Home Loans on XX/XX/XXXX, XX/XX/2020, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation as to how I could owe more on the mortgage than the agreed original amount. None of the responses I received made sense, as they were saying the outrageous increase was due to a deferred balance amount that is the cumulative difference between my monthly Average Billing amount and what I would owe if you were not signed up for Average Billing. I furthered inquired as to what average billing was and when did I signed up for such a terrible program. Caliber could not provide any proof or information and indicated that it was part of my home modification. I asked Caliber to furnish that proof and XX/XX/XXXX and they requested I give them up to 30 days to comply. It has been more than 30 days and Caliber has not provided proof as to when I agreed to be put in such a terrible program.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHATS NEW ... .I just talked to Chase Bank about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my XXXX  Credit Report. I talked to CHASE they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how Chase Bank ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. 
I respectfully request that you block and delete the following fraudulent account : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1100.00} Additionally, please delete the following unauthorized inquiries : XXXX. XXXX - Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX  and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.
Product: Credit card or prepaid card

This is my second complaint about this issue. An economic payment card for the amount of {$1200.00} was issued to me by the IRS in the year of XXXX. The card was sent to my old address, I have updated my address with the IRS and U.S.P.S. What I need is for the second round of stimulus to be sent again for the amount of {$1200.00} to my new address. The company did try to send me a new card but they send the third round of stimulus which is not the one I need. They sent me a replacement card for the third stimulus check for the amount of XXXX that is NOT what I need replaced I had no issue with that round. I need round 2 replaced for the amount of {$1200.00}.
Product: Credit card or prepaid card

Navy federal refuse to resolve the issue Thus is my last attempt I was XXXX around by this cheap bank for the past 7 months I will give s law suites against navy federal for abuse stress waist of my time hours and hours on the phone they did and caused me
Product: Payday loan

Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit. 
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit. 
know, I have harassment charges with legal notice on a e mail I never provided. 

I never provided my personal e-mail to be shared with any agencies. 

Call at my house, cell phone and late calls pass XXXX XXXX
Product: Debt collection

The debt is for {$11000.00} it was in my father name I was added on the lease and he passed away and my lease already ended
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Experian, and XXXX on XX/XX/2024 ; XX/XX/2024 ; XX/XX/2024 ; and XX/XX/2024. I received 1 response from XXXX on XX/XX/2024.
Product: Consumer Loan

I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts
Product: Checking or savings account

They said it was their policy to charge for non-WF ATM access to my account. I told them I disagreed with the propriety of this as it amount to a penalty for using another provider service as I had already paid a network fee. I said Do Not dispute the Non-WF provider 's right to make a charge for use of their network and ATM services. I felt that their policy was to discourage my obtainingservices from a competitor - especially as I already pay for their services in a monthly service charge on the account ( or if waived by minimum balance then they are using my money AND charging me an additional service fee for the Non-WF access. 

Further I sated I only use non-WF services when there are no WF ATM 's handy to my point of service. The is a machine nearby but it is 1 ) frequently out of cash or 2 ) is is ( also frequently ) out-of service for other non-explained reasons. 

They refunded the last 3 {$2.00} NWF service changes for " customer relations '' but I told them that this would not deter me from filing a complaint with the appropriate gov agency for an unfair ( and probably illegal charge under anti-trust or anti-. 
competitive practices Summary of occurances : 1. XXXX XX/XX/XXXX {$20.00} ATM withdrawl, {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX {$40.00} ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) I always give very critical consideration to each use instance of third party ATMs etc, as the Network fees are already rather high ( punatively so ) but I believe they have a right to remuneration for their network use. However I have not noticed WF is charging for the same service which I already payfor in my service expectations for WF. I am told this has been their policy for some time- my bad! However this would also qualify as " small print deception '' and rather despicable business practice ( in my opinion ). 

Looking back I find multiple charges as far as I can easily go. They have made significant income off me and obviously others and this windfall needs to be stopped. 
Crying 'caviat emptor ' does not let business off the hook for knowingly deceiving and taking unfair advantage of us all.

DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under act 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under act 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

For XXXX and XX/XX/2022, XXXX XXXX XXXX shows I made delinquent payments for those XXXX months, paid beyond 30 days past due. Please remove this from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!! 
( Case # for the banks investigation which I never head back from. case # XXXX )
Product: Credit reporting or other personal consumer reports

after submitting a claim to wells Fargo about their erroneous and false allegations of fraud against me ( XXXX ) I was told that the negative reporting would be removed in its entirety. 
I also explained to the rep that XXXX XXXX  was also to be updated. It still has not. I am LOSING MONEY daily not to mention I was faced with an eviction as ALL the financial institutions will not let me open a checking account and all my open accounts were forcibly closed after Wells Fargos reporting. Ive sent numerous fees and charges and legal expenses to them for reimbursement and i cant get an update from anyone. THEY ACKNOWLEDGED THAT THEY WERE AT FAULT AND SHOULD HAVE TAKEN THE 5 STEPS CORRECTLY INSTEADING OF JUMPING TO CONCLUSIONS. THEY SAID THEY WILL REVIEW MY FEES AND FINANCIAL HARM I SENT TO THEM FOR REIMBURSEMENT. ITS OVER XXXX $ of LEGAL AND BANK FEES IVE SUFFERED BECAUSE OF THIS COMPANIES SEVERE INCOMPTENCE AND INABILITY TO TRAIN THEIR STAFF IN PROPER BANKING PROCEDURES!!! AND ALSO STILL REPORTING ME TO XXXX XXXX. REMOVE ME AT ONCE! I WILL NOT ASK AGAIN. MY COUNSEL XXXX XXXX HAS PREPARED THE COMPLAINT. ENOUGH IS ENOUGH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.
Product: Checking or savings account

On XXXX the XXXX I cashed in an XXXX check. One of my friends wanted me to cash the check for them. It was an check for XXXX. The last few days I wasnt able to log into the mobile South State app to check my balance. I went today and found out that the check was an fraud and they was going to close the account next week Wednesday. I was told that I had to create a new account even though I didnt know it was a fake check. I also never received the amount of money from the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, XXXX  maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Product: Checking or savings account

My account was closed they never gave me a reason they don't want to give me my funds They give me run around call Customer service is what they say I called customer service and they tell me the manager needs to talk to me but no!! He says to talk to representative I need help getting my money I'm going to stressful times of being unable to get access to my funds I can't concentrate at work it wearing me down I got bills to pay it's been over two months no money has been released or no check has been processed help me get my money back