23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have attached the complaint I submitted on XX/XX/XXXX and Iowa XXXX XXXX XXXX XXXX. I have highlighted in the response the inaccurate, and at this point it is fraudulent activity that XXXX engaged in between XXXX date regarding the servicing of XXXX private student loans. As you can see, XXXX issued me a 1099C in XXXX, in the attached document they state they have the right to do this because the " last payment '' on loan 's referred to as sequence XXXX ( disbursed XX/XX/XXXX ) and sequence XXXX ( disbursed XX/XX/XXXX ) were out of statue in XXXX. They state that the last payment on BOTH of these accounts was XX/XX/XXXX. However, the information attached- which was pulled from Iowa Student Loan 's website CLEARLY shows that the last payment on loan sequence XXXX ( disbursed XX/XX/XXXX ) was on XXXX XXXX ( NOT XXXX, XXXX, XXXX as XXXX XXXX states in her response. ) She continues by utilizing this " last payment date of XXXX '' as the reason Iowa Student Loan was in " compliance '' with issuing me a XXXX XXXX. As you can see in the document I provided showing the accounting history on the sequence XXXX loan ( disbursed XX/XX/XXXX ) - payment WAS received and credited toward the balance on XX/XX/XXXX. This account did not meet the " rules '' of 10 years without a payment ( statue of limitations ) XXXX XXXX outlined in her explanation to my prior compliant to the CFPB- that would not have been met until XX/XX/XXXX per their own record pulled from their website and attached to this complaint. This amount should NOT be included in the XXXX XXXX as it does not meet the " rules '' XXXX XXXX and Iowa Student Loan state as " in compliance '' with the law. This is fraudulent practice that I will seek legal representation to rectify through the court system and IRS if it is not corrected with the IRS by Iowa Student Loan immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and TRANS UNION credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I believe that recent changes to the Capital One website are designed to confuse consumers so as cause payment issues thereby resulting in the collection of late fees. With having both a Mastercard & Visa card through XXXX, and with them now having acquired my Walmart card, I have three accounts on the opening screen to differentiate between. XXXX has eliminated information that could help differentiate ... card number has been reduced to just the last four numbers, MC & Visa logo/info has been removed, and while each account 's payment due date was formerly indicated, that info has also been removed. I attempted to make a payment on the XXXX for XXXX of the accounts where the payment wasn't due until the XXXX. During that process, I got confused as to if I had made the payment to the correct account, cancelled, and attempted a resubmit. I received an email today that the payment didn't go through correctly. I called Capital One but they were unwilling to adjust the payment even though they could see it, or remove a late fee. 
I work hard to make my payments on time, and am 110 % certain that there would be no issue except for their meant-to-deceive website. I can only imagine the trouble they are causing their card holders, especially the elderly and others who get easily confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Student loan

Navient continues to call me using an auto-dialer even after advising them they do not have permission to call my cell phone with it. They are also harassing me with numerous calls a day. 
They are calling from XXXX Here is a list of recent calls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX calls in 7 days is excessive. Especially the daily wake up call
Product: Credit card

I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/XXXX
Product: Credit card

My name is XXXX XXXX,,,, fortiva credit card company is calling me at XXXXIhave asked them to stop calling me while im at work, home and on my free time and they will not, don't have a credit card with them..fortiva, calls me, this is very stressful, and XXXX... they will not stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX, and XXXX XXXX XXXX has violated the FCRA 1681, by not conducting a reasonable investigation of account reported by XXXX XXXX XXXX XXXX with a balance of XXXX. This account has been reporting on my credit report for a few years. Please block the fraudulent information that is reporting on my credit file from this company. Attached is the FTC Statement, and a copy of my identity.
Product: Credit reporting or other personal consumer reports

To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason. and will not help me with getting it resolved. Im not sure if this is some mistake as I assume it has to be. They have verified my identity and that my funds that were directly deposited were fine. I waited the 3weeks past their 180 lock out. Several phone calls were made and I was told that I would get an email to transfer my money would be sent in 72hours ... .got nothing I was informed to write to your company letting you know paypal is not doing their jobs professionally. 
my email address for paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Experian is reporting a collection on my report that is inaccurate. 
The account is listed as : XXXX XXXX XXXX ; XXXX XXXX. 
Balance {$1200.00}. 

The account has been paid and closed. 

XX/XX/2023 I have mailed letters, disputed online, and called Experian to remove the inaccurate account being reported. 

XX/XX/2023 The collection company XXXX XXXX XXXX advised they would submit the updated account information to the credit bureaus, and did not. 
XXXX XXXX XXXX is not who the debit is with, the debt was with XXXX XXXX. 

XX/XX/2023 This inaccurate account being reported is hindering me to be able to purchase a new home.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have written Experian and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original accounts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following : 1. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
2. XXXX XXXXXXXX Account # XXXX, has violated my rights. 
3. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

In XX/XX/XXXX I visited the TCF branch in XXXX XXXX, SD to close my account. I received a cashier 's check for the balance on the account and was told it was closed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$.00}. I contacted TCF bank to let them know my account should've been closed in XX/XX/XXXX. They said that I had a roughly {$60.00} balance at that time which had slowly drained due to dormancy fees and was now past due. They said they would close the account and no further action was needed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$10.00}. I contacted TCF and they let me know they could not assist me over the phone and I would need to visit a branch location to receive assistance. I asked for a manager and they said they would reach back out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

urpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ).

Violation of Verification Obligations : I submitted a dispute letter to TransUnion requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize theI am filing this complaint against TransUnion for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible pm. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. TransUnions inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. TransUnion is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately.

List of Disputed Hard Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX  XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX & XXXX XXXX  XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I went to Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a representative named XXXX. I presented a cashier 's check drawn from my mother 's Wells Fargo account in New Jersey. The cashier check was dated XX/XX/XXXX. XXXX indicated that the check may have been escheated due to the time period. He said that he would contact me by XX/XX/XXXX with more information. 
I received call from XXXX prior to XX/XX/XXXX. He said that the cashier check was no longer in the Wells Fargo system and that I'd have to research if the funds were sent to the state. I asked XXXX if he would check with upper management to see if there was any more detail and/or information that could be provided about the Wells Fargo cashier check for me to have a better starting point to begin the search. XXXX insisted that there was not, but eventually agreed to check with upper management, someone who may have more experience than he did.

I was place on hold for a very long period while waiting for XXXXXXXX XXXX response. When XXXX returned to the telephone, he indicated that the upper management response was the same as the response that he gave me. I asked XXXX for the name of the person that he spoke to. After several back-and-forth exchanges, XXXX admitted that he did not speak to anyone else. He simply left me on an extended hold, and returned to the telephone to lie about speaking to upper management. 
Given the faith and trust that we place in our financial institutions, deceitful and unethical behavior is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from Ocwen to PHH and is reporting my loan as a new modification, this is incorrect.