23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase Bank took out over {$9000.00} out of my XXXXXXXX XXXX XXXX account to make a payment on my chase credit card without my permission. Chase is claiming I called them XX/XX/XXXX and made a payment over the phone. I NEVER called chase bank on this day and authorized them to process any sort of Payment out of my XXXX XXXX XXXX  account. Chase took a payment from me WITHOUT my permission.
Product: Credit card

I applied for a one-time use charge card with Klarna, I was denied because of my credit history. 

This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. 

I extended my credit to the company but received no benefit and no approval. 

This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. 

I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, I was notified about an updated credit score on myFico app. I noticed that I lost XXXX points from Equifax. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received XXXX points back. On XX/XX/XXXX, I received XXXX point. On XX/XX/XXXX, I received XXXX points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost XXXX points. I am not understanding why every time I reach XXXX, I lose XXXX points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a line of credit with Wells Fargo. In early 2022, I got notification from Wells Fargo that they were no longer offering the Line Of Credit services. Around XXXX XXXX 2022, I requested a payoff amount and then payed that amount in full to close out this line of credit since the services were no longer going to be available. After paying the payoff amount, the line of credit was fully removed from my online banking and mobile banking, so it was no longer visible, as to say it no longer existed. After receiving statements from Wells Fargo just recently, we discovered that on XX/XX/2022, Wells Fargo applied a $ XXXX+/- charge to the non-existing line of credit and then in XXXX of 2022, Wells Fargo reversed the charges on their own, but Wells Fargo reported a delinquency of 60 days past due before reversing the charges. My husband and I are trying to buy a house currently and we are just finding out all of this information because it has drastically affected my credit score and is causing financial harm to our potential home loan. We were completely unaware that there was an interest charge over 15 days after we payed off the line of credit ( a requested payoff amount ) and we were completely unaware that Wells Fargo reported a delinquency which has affected my credit for a few years now.
Product: Student loan

I applied for the SAVE plan in the XXXX XXXX XXXX My application was initially accepted, but when all the legal proceedings started with the SAVE plan, everything came to a halt, including the processing of my application. Based on the legal ruling surrounding provisions for those like myself who were stuck in application processing, I was supposed to be in administrative forbearance with a 0 % interest rate from the submission of my application through todays date. Unfortunately, my loans were transferred to MOHELA for further handling, as my prior loan handler no longer handle student loans, and, despite several phone conversations about the administrative forbearance promised by the government, my loans have accrued interest during this period and continue to accrue interest based on the interest rates shown on my online MOHELA account. 

Furthermore, although my loan repayment is not supposed to start during this forbearance, MOHELA continues to send me emails every so often reminding me that I owe over {$2000.00} due each month. Their phone message says to ignore this notification, but I am worried that they continue to request money that is not due. I am a medical resident with a large student debt burden from medical school, and there is no way that I can pay this amount per month.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Bank of America is using a third party law firm XXXX , XXXX XXXX XXXX, XXXX. to bully and threaten me into foreclosure while not addressing and avoiding issues with my mortgage. I have a contract for sale on my home and have been ignored by Bank of America. Furthermore, the Bank has promised one point of contact which I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted Experian in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and assistance.
Product: Student loan

I have been getting calls again concerning my private student loans this time coming from the XXXX XXXX, Ohio office of a company called Weltman, Weinberg , & Reis Co, XXXX that kept calling me and my mother, who is a cosigner. I spoke with a representative of the company who offered an " aggressive settlement '' that would take out an excessive amount of money from my mother 's retirement to pay a part of my loans. We have been paying the regular monthly payment of the loans, but it is hard for us at this time to get out of the default on my loans until I get a better job within a year 's time hopefully after my graduation with XXXX degree XX/XX/XXXX. My mother does not need any more phone calls to give her stress because she has been to the hospital already within a year 's time, and that has contributed to her health struggles. I would like that the loan company stop calling us please. Thank you.
Product: Debt collection

I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
Product: Debt collection

After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Reported Account # XXXX, has violated my rights XXXX  XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi! The transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XXXX XXXX SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX  XXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS
Product: Credit reporting or other personal consumer reports

Failure to delete inaccurate, Incomplete, or Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) ( 6 ) A XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I 've called Sallie Mae a few times now to try and get an extended loan for lower monthly payments. They will not offer me this, they instead tell me my two options are putting my loan into forbearance for three months if i pay them a {$50.00} " good faith '' fee OR if i just flat out do n't pay my loan a collection agency will call me and help me set up a payment plan. Both of these options only hurt me and help them in the long run. How are they allowed to try and force me into collecting large amounts of interest or late fees?
Product: Credit card or prepaid card

Having filed for unemployment in lateXX/XX/XXXX/early XXXX of 2020, I never received my Key2Prepaid Unemployment benefit card as of yet. I did switch to direct deposit later in XXXX and had no problem with following payments. I'm still owed over {$1200.00} on debit card I never received and have tirelessly tried to contact Keybank for a replacement card. Over 6 months of calling with as long as 4 hours of hold time has yielded absolutely no help whatsoever. Their website is equally useless as you need a card to access any of its features. Alternate numbers I have called to reach an actual person also a waste of time as they are either foreign call centers or different departments that refuse to address the issue and either hang up on you or transfer you back to the XXXX XXXX XXXX XXXX number that is never ever answered. This issue has been all over the news for so many yet Ive still heard no solutions. Keybank is sitting on millions of other peoples much needed dollars and I find this criminal. Ive called unemployment office yet to have return call, Ive also filed a complaint with the XX/XX/XXXX and received a nonsense letter requesting a Hippa release form ( Medical records ) to proceed, which is unrelated to anything Ive addressed to them. This large scale Fiasco is a national embarrassment to say the least. Hopefully I've found some competence and perhaps sanity with you folks. Thanks for your time and attention to this matter.
Product: Money transfers

My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to an offer via XXXX XXXX for auto-loan refinancing through XXXX to see what rates I'd be eligible for. I filled in some of the requested information online but did not return to complete the process. A representative from the company called me the same day ( XX/XX/2018 ) and got additional information about my vehicle and said someone would call for a follow-up. Then on XX/XX/XXXX, I received an alert from XXXX XXXX informing me that a new inquiry was added to my TransUnion credit report. I never gave permission for my credit to be ran. I was never given an offer for refinancing via telephone nor the web portal. Per XXXX 's FAQ, " During the application, we do a soft pull on your credit that will not negatively affect your credit score.  Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I spoke to XXXX XXXX about this issue and he said he'd conduct an investigation and get back to me. This was XX/XX/XXXX and I haven't been contacted again since. I sent him a follow-up e-mail last week which has not been responded to.
Product: Mortgage

I am in the process of a home equity loan for {$43000.00}. I have middle XXXX 's credit score, my income/DTI/credit/home value/title work have all been approved. I have submitted all condtions that I have been asked for. We were only waiting on Title work and Insurance to complete the loan. Both have been completed. I was asked for more conditions this week, which I submitted. Then I was asked for more conditions today, which I submitted. At this point, I think I am being racially and/or XXXX discriminated against by this particuliar underwriter. I was told today that the earliest they can complete my loan IF they are able to complete it is in the XXXX week of XXXX ( That's IF ). Throughout the process I have rarely been able to reach the loan officer by telephone for updates, questions, etc.

I have multiple bank accounts, 2 mortgages on 2 separate homes, a car loan, a credit card, etc. with Navy Federal Credit Union. I am their customer on multiple levels and receiving poor customer service.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  XXXX accts. The acct with {$XXXX} limit was open XX/XX/year> and had a {$XXXX}. This dispute with Experian has been completed. These are the errors I reported yet Experian said it's updated. It is not updated