23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I completed my XXXX degree  and began making payments to my student loan in either XX/XX/XXXX or XX/XX/XXXX. In  ~XX/XX/XXXX I called the student loan provider to inquire about eligibility for student loan forgiveness through working for a non-profit. I was told that after I make 120 qualifying payments I could apply. I then asked if I made payments for the next 120 days if I could qualify and the representative informed me that it has to be 120 billed payments. Fast forward to XX/XX/XXXXI called to inquire about lowering my student load payments under the revised payment plan. I was encouraged to consolidate my loans which changed my loan provider to XXXX. Now in XX/XX/XXXX ; 9 years after Ive been employed at a nonprofit, I apply for loan forgiveness and received a letter stating that I dont meet the number of payments needed since I consolidated my loans in XX/XX/XXXX. I consolidated my loans because the Navient loan provider suggested I do so. I was not informed that consolidating my loans will erase the 10 years of payments I made making me ineligible for the student loan forgiveness program.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam not liable for this debt with Wells Fargo Bank and i do not have a contract with any Well Fargo Bank. They did not provide me with any original application stating that i have a contract with this company.
Product: Checking or savings account

On XX/XX/2023, I deposited {$1700.00} into the atm at Citizens bank in XXXX, RI. The ATM returned {$20.00} then said there was an error. The ATM tried to return the rest of the money and you could hear it trying but nothing came out. When I tried to ask it to return the money it said an error has occurred but no receipt came out or error paperwork. The money ( {$1600.00} ) was never credited to my account. I called the bank while at the ATM and they said they would call me within 24 hours. I never received a call. My boyfriend and I called on XX/XX/2023 and spoke with someone. They said no one was suppose to call us and they need to count the ATM. However, on XX/XX/2023, the branch where the error happened, a technician went to the atm that morning. So, they did send someone out there. I found this out by calling the branch on XX/XX/2023. I spoke with a supervisor at Citizens Customer Service named XXXX. He said they put an expedited claim in but they still havent contacted us or anything. We havent had our account credited or anything. We got the feeling that unless we really push this, we wont be returned the money. That money was from both our jobs and is meant for our bills that we are now late on. We called our car insurance to try and explain the situation. They understood but couldnt promise anything like our insurance lapsing. Which will cost us extra money. 
The atm has cameras so they should be able to see everything that happened in case there is an error with the atms software and it doesnt report the logs properly.
Product: Mortgage

On a conversation on XX/XX/21 @ XXXX it was agreed that once a payment of {$1700.00} is made the deferral will be approved without any doubt. 
Payment was made and I called mr cooper the very next day and inquired about the deferral in place. 
I was told that the deferral isnt guaranteed. 
I made sure my bank would bounce the payment.
Product: Credit card or prepaid card

I was out on XXXX XXXX  from XX/XX/2019 through XX/XX/2019. I had been speaking with different reps at USAA bank in regards to my credit card account and ways that I could keep it open being that I was out of work. On XX/XX/2019 I spoke with a rep in their member debt solutions department who assured me that the account was still open and that I needed to make a minimum payment of {$26.00} in order to give me more time to keep the account open. Per this member the account would be closed after 6months of no payments. I made that payment of {$26.00} that day along with another payment of {$75.00} a week later. Fast forward to XX/XX/XXXX. I call USAA to verify why I didnt have an available balance on my credit card, I just made a payment on XX/XX/XXXX in the amount of {$200.00}. The rep advised that the account was closed! There was no knowledge to me that the account was closed. No one that I had spoken to between XXXX and XXXX had mentioned the account was closed and they called me everyday. I asked could they pull the call from the rep who advised that the account was still open as of XX/XX/XXXX and they said someone would call me back and never did. I called again on XX/XX/XXXX and was told that there is nothing they can do when the account has been closed. The rep suggested I reapply but my credit has been negatively affected by this for months so there is no way that I would get approved.
Product: Credit card

I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$880.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX 'S XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had three late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

West Realm Shires Services, dba FTX.US, and/or XXXX XXXX is holding cash funds that belong to me, without communicating in any way when they will return my funds. 
These funds represent 10 % of my net worth and are extremely important to me and my family.These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US app, via 1 ACH transaction of {$7000.00}, to be sent to my bank account at XXXX  XXXX, following the FTX.US guidelines, instructions and terms of service on XXXX XXXX, ( 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 


The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at U.S. Banks ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at U.S. banksTo the extent you hold USD fiat balances ( and such balances are not held in stablecoins or other investments ), those fiat balances are held in customer omnibus accounts at FDIC-insured banks ( XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card ending in XXXX XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX it was closed by XXXX XXXX. Not sure why except that they told me the credit bureau said it was reported as fraud. Not sure who or why that happened, but it did. Meanwhile, I couldn't make payments and the account wasn't available online. I made numerous calls through XXXX, XXXX, and XXXX to see what I needed to do and to make any payments. I was told every time that I couldn't make a payment and the representative even telling me it was greyed out on their end and they couldn't even accept payment. I made a call at the end of XX/XX/XXXX, due to another letter coming to me by mail to fill out a fraud report. I had told him there was no fraud and asked what I needed to do. He said they had finished their investigation and would send me a letter. I specifically asked if I needed to make a payment and told him about my past calls and not being able to. I also asked specifically about what I needed to do to ensure that my credit wouldn't be affected. He said I would receive a statement when the investigation was done, which it was and I could make a payment. 

Once I received the statement I made a payment. I wasn't able to access online but called. Later in XXXX, I received notification from Experian that XXXX XXXX reported XXXX as a 30 day late which shows as a late on the credit bureau reporting. 

On XX/XX/XXXX I called XXXX XXXX 's fraud department that I had been in contact with during this entire process. After the person helping me realized it was XXXX XXXX 's mistake due to me not being able to make a payment and the rep 's all saying the same thing, she got them to send a letter to the bureaus to say it was XXXX XXXX 's error. 3 days later, the late reporting was removed from my reports. 

In XXXX, the late reporting showed back on my reports. I had received a letter from XXXX XXXX dated XX/XX/XXXX that confirmed I was current for XXXX, but the issue is XXXX not XXXX. 

Please help me get this removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED COPY OF MY RECENT CREDIT REPORT AND I WAS SHOCKED OF INFORMATION WHICH YOU REPORTED, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN ANY CONTRACTS WITH THESE CREDITORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX California edition has a XXXX  on my credit that was opened in 2010 and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : SCREENING REPORTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Walmart Someone used my personal information to try and get a Walmart account card
Product: Vehicle loan or lease

I had a loan through American Finance. They went out of business. I received no information from them in regards to them going out of business or filing bankruptcy. I was contacted by Westlake Portfolio. I requested to have information sent to me in regards to them handling my account. They only sent me a payment portal. I have ask this several times. I have also ask if they were going to hornr the terms ofthe loan in which I purchased the vehicle. They told me no and only wants money. I want to know what are my legal options?
Product: Money transfers

To whom this may concern, I was the designated recipient of money transfer enumerated by XXXX # : XXXX. 

I would like to know why Western Union failed to honor this transaction. 

Sincerely Yours, XXXX XXXX XXXX
Product: Mortgage

We first attempted to modify our loan just over 2 years ago with Wells Fargo. Since then, there have been 2 more attempts. In each case, we were assigned multiple negotiators from Wells Fargo, and the standard practice was always the same!! Ask for condition, after condition, after condition, until their 90 day time limit to complete the modification would expire, at which time they would blame us for not completing the paperwork in a timely manner. This would trigger them to toss out the file, and make us start all over again. Not only would they condition us to death, but another tactic they use is to simply say they ca n't find what we sent them in their system. Let me tell you that I am a very well educated man, working as a XXXX, so I know how to XXXX. The debt ratios we had during the first to attempts to modify our loan were right in line with what Wells Fargo needed to approve us, but instead they chose to string us along for over 2 years. There is a clear case of Dual Tracking here, and we can prove it with over XXXX saved emails going back and forth with Wells Fargo. We also have a good friend with over 28 years experience as a XXXX, that looked at the overwhelming evidence we have, and said we have a winnable case against Wells Fargo. All we want is to modify our loan, which happens to be a pay option ARM. There has been a Notice Of Default filed by Wells Fargo, but no sale date posted at this time. We have XXXX PDF files we would like to send you that will prove our case. In addition, our mortgage broker is willing to testify that Wells Fargo lost numerous documents we sent to them via email over this 2 years time period. Please Help Us ... ..So we do n't lose our house!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to previous complaint # XXXX submitted on XX/XX/2019. Currently showing no response. They were allowed 15 days. This is an ongoing issue with Equifax and there lack of promptness and the habitual willfulness of negligence of the FCRA and noncompliance to investigations, method of verifications, and re-investigations. 

On XX/XX/2019, I Called Equifax again at XXXX and spoke with XXXX and I asked if I had any accounts in dispute. XXXX asked for my SS # and once I gave her my SS # she asked me what am I calling for, I stated that I wanted to know if my accounts are in dispute, she ask me why, I stated because I wanted to know. Then she put me on hold for 3 to 4 minutes. Once she returned to the phone she asked me for my personal information and verification questions. Once completed I asked the question again, do I have an active dispute open? Here is everything she verified and stated. A Dispute was opened XX/XX/2019 and it was completed XX/XX/2019 for Dept of Education for removing late payments, no changes were made. On XX/XX/2019 and on XX/XX/2019 the same day, it was completed for inquiries for XXXX it was verified. I stated that I received an email from autocap on XX/XX/2019 stating that XXXX XXXX XXXX has begun the process of having the inquiry deleted and theres no way they verified this inquiry. She stated that they can not delete inquiries and it will remain on my file for two years. On XX/XX/XXXX to XX/XX/XXXX confirmation # XXXX is not reporting on my report. XX/XX/2019 dispute completed the same day for address removal and name XXXX. On XX/XX/2019 letter received and completed on XX/XX/2019 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX confirmation # XXXX it was submitted by certified mail on XX/XX/2019. However, the letter was not a dispute, it was a method of verification. On XX/XX/2019 a dispute was submitted for XXXX XXXX XXXX for late payment dispute still show on file, accounts were in deferment. On XX/XX/2019, but received on XX/XX/2019 no action was taken per XXXX ( consumer representative ) after receiving letter but they submitted a dispute without my request and XXXX agreed that I should have received a letter in 15 days and not a dispute per request as she read the letter provided to Equifax. She stated that she will note the file that I called in regards to the request for MOV and did not receive a response. XX/XX/2019 confirmation # XXXX and that was for collection XXXX and XXXX XXXX and completed on XX/XX/2019, XXXX XXXX was removed. XX/XX/2019 submitted a certified letter and XX/XX/2019 the certified letter was received by Equifax for dispute of XXXX XXXX, XXXX, and XXXX XXXX and received Driver License and SS # as well. XX/XX/2019 all accounts were consider verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXX XXXX Account Type : Open Account Open Account Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Was notified that an XXXX XXXX XXXX account was opened I my name four years ago. Started receiving collection letters and phone calls from Diversified Consultant whom was handling the account for XXXX XXXX XXXX. After doing my research found out that my younger yesterday used my personal information too open several accounts and submit fraud. I then notified diversified consultant of the fraudulent activity. I sent evidence to XXXX XXXX XXXX and diversified consultant but whom ignored the evidence and continued with the collection process. I gave in and settled the amount requesting that they clear my name and remove from the credit report. Diversified Consultant in return took the payment and in return posted the paid collection on my credit report which was not the agreement.
Product: Credit reporting or other personal consumer reports

We Have contacted XXXX, Equifax, XXXX on numerous occasions informing them of false reporting. Fraudulent inquires most recently by XXXX XXXX which set off a chain reaction by several other finance companies. We contacted XXXX XXXX in addition to XXXX and the others to inform them of the fraudulent act. Nothing was removed or done in the past over the last 3 years we have filed complaints with the all the so called credit reporting companies about the companies having opportunities to pull soft credit reports and getting personal info to harass us. We have filed Ftc identity theft reports and contacted Social Security administration over the past years with no resolution in sight. In the past we have filed CFPB reports only to have the company claim to have verified the accounts and punished us in the end for filing the complaints. We have been denied credit, denied housing among other things because of the lack of authentication by the credit reporting bureaus who appear to work closely with the so called creditors to report false claim and receive some kind of kick back. We have been involved in multiple data breaches over the years and never received compensation or apologies or correction. Only to be harassed to authenticate ourselves. We the people are the reason companies thrive yet we are treated as cattle, or less than.
Product: Debt collection

Hello I recently I went to court and was ordered to pay XXXX XXXX XXXX XXXX {$320.00} for pro-rated rent. XX/XX/XXXX I have attached my proof to this complaint. The collection agency has put a crazy amount on all three credit bureau for XXXX. I do not owe this amount. I have already paid what I owed. I'm currently in the process of buying a home and this is impacting my process. I need the company to remove this collection from all three credit bureau 's. I need them to produce a lease with my signature for XX/XX/XXXX showing I owe this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated contact with Experian regarding inaccurate information present on my credit report. Despite the passage of time, I have not received a response from Experian. The specific details of the erroneous information and the necessary corrections are outlined below : Account Information : Account Holder : Not Mine Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX