23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

LOCKHART, MORRIS & MONTGOMERY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX is the collection agency for the original creditor XXXX XXXX. I went to XXXX XXXX in XXXX of XXXX and graduated in XX/XX/XXXX. I applied for the school loan which was explained that once you graduate and start working for XXXX, the company would take XXXX cents per mile to cover the cost of your loan. Upon graduating from XXXX XXXX, I tried to get coupled with a driver to start teams to go over the road, but every driver that was referred to me were either in a different state or already had a team member. XXXX only operated on team driving. I waited 2 months after graduating to be paired with a XXXX XXXX, but the school was unsuccessful at finding me a XXXX XXXX The school has since been closed down due to the murders of a few XXXX XXXX by the other team member, poor school training, poor pay and other complaints by several drivers. I do not feel I should be responsible for a loan that was misrepresented by the school in the first place. I was told misleading and outright false information from the start. The school is called XXXX and there are several complaints with the XXXX  and other online websites due to the fraudulent information given by the school, but it has since closed.
Product: Checking or savings account

The company closed my account for using my boyfriends card on my account and when we showed all banking statements they still couldnt send me or my boy his money back
Product: Credit card

I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX and XXXX, PORTFOLIO RECOVERY ASSOCIATES due to Unauthorized Transaction. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated everything was accurate. Upon conducting my own research myself I found multiple inaccuracies on my report after they said they had verified everything. In particular, Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. Upon reaching out to the original creditor it was stated that the company did not manage the property and in that case does not have the right to demand funds for said property. I have never done business with XXXX XXXX XXXX XXXX. I've disputed this account as they have violated my rights in accordance to the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. In addition, I have various collection accounts that Equifax in particular are reporting that are not being reported with the other bureaus and per their policy it is stated that they use a joint notification system that operates worldwide in accordance with the other XXXX XXXX The collections on Equifax are not being reported on the other CRAs and should be removed immediately. The collections being called for immediate removal are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I routinely check my credit report, but this time, there were unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the inquiries remained. Therefore, I am requesting a thorough review of the documents Ive sent to resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

we signed loan disclosures indicating there was no prepayment penalty. The lender came back and said that they will fully implement a 3 month prepayment penalty at a very high interest rate. 

We also applied for 5 lines of credit. The lender came back very late in the process and indicated that they can only issue 4 lines of credit.
Product: Debt collection

Fair resolution would be to have the derogatory inquiry removed from my credit file on the grounds of me trying to begin the homeowner process of purchasing and better understanding my credit from this life learned lesson. If the remark was removed it will assist me in this process of financial stabilizing my future as well as my families future.
Product: Credit reporting or other personal consumer reports

I Was a victim of identity Theft And Fraudulent activity, i was robbed of my wallet in XXXX, which contained my credit card XXXX  XXXX, My drivers license Id, Social Security Card, Cash, A Check, & also my XXXX Bank account Cards. They used that information to use to open up a credit card ( discover. Bank ) of a credit Limit of {$200.00}. I Was Robbed of My wallet on XX/XX/XXXX & they Opened and applied and used my info to apply and get a Discover Credit Card Using my personal stolen information, on XX/XX/XXXX. I didnt Realize Until XX/XX/XXXX. The Account Was Closed on XX/XX/XXXX. Ive Tried Multiple Times to dispute, call, email, send letters contact XXXX, XXXX, XXXX XXXX, ect. To ge this issue resolved, because it has now effected my credit score, credit report, XXXX credit Bureaus, and the stolen fraudulent discover card that was opened up and wiped out, has been and is still in now Collections/Derogatory. Which is effecting me from being able to moge forward with my credit and fix it. I need XXXX getting tbis removed fully off my credit report history and disputed fully & removed please. Thank you so much, my name is XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX. My number is XXXX and my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. XXXX XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX  CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I lost my debit card and someone deposited a fake check and withdrew funds from my account leasing my bank account negative
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I never gave Bank of America permission to sale or trade anything from Cash management account I never gave Bank of America permission to change or to change beneficiary with the SEc filings report I own 10 % of the company someone taking an that why account got close illegally transaction embezzlement money laundering by law u have to contact the stock holder any transaction failed to do that any loans grant 's anything failed to do that leave me one reason the next person who changed anything on my account file federal charges my shares my interest better be deposited in to my Cash management account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX for inaccurately reporting information on my credit files with XXXX, Experian, and XXXX. The discrepancies across the XXXX bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX corrects these errors and aligns the information accurately across all credit bureaus. 

Account Details : Creditor : XXXX XXXX  Reported Issues : Inconsistent and incorrect reporting across XXXX, Experian, and XXXX Issue Summary : 1. Inconsistent Reporting Across Bureaus : XXXX XXXX has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted XXXX XXXX to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was checking my credit report and saw where my score had decreased. Upon further investigation the decrease was one of credit card accounts sent a supposed XXXX report to Experian in the middle of my billing cycle that was incorrect. I called my credit card company immediately and spoke with account XXXX XXXX and reported the issue. Upon their investigation, it showed that the amount Experian claims they received from XXXX Bank was never sent to them by XXXX XXXX. So XXXX XXXX  filed and inquiry as well because there is no where in my history with this credit card company did I ever have this amount. And XXXX XXXX  does not send second reports in the middle of a consumers billing cycle. 
Today, I followed back up with Experian to let them know that there is either a system glitch or it was inadvertently placed of my account because my account with XXXX XXXX  hasnt changed and is a {$0.00} balance. I spoke to a supervisor named XXXX and she stated non chalantly that oh there is never anything wrong with our website. And that could have never happened. She basically brushed the issue off and stood staunchly with not even trying to see if there was a problem like this. Then I asked to speak to technical support so that I can tell them about the issue. She stated that they do not have a technical support team and our website is perfect and hasnt had any issues reported. So it must be something wrong with your device. Needless to say my dispute is not even being addressed or even escalated because XXXX XXXX at Experian deems it not an issue.
Product: Student loan

I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.
Product: Credit card

Equifax is reporting XXXX inquiries to my credit file only XXXX is actually valid, the other XXXX are not valid or authorized and need to be removed : -XXXX XXXX XXXX XXXXXX/XX/year> -XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> -XXXX  XX/XX/year>
Product: Debt collection

Last week, I received a collection notice from RMCB ( Retrieval-Masters Creditors Bureau , Inc. for payment for two services from XXXX XXXX XXXX XXXX dated XX/XX/2015 and XX/XX/2015. I knew of no outstanding bills. I contacted XXXX XXXX. They could not find or identify the account numbers noted on the RMCB invoice and further confirmed I have no outstanding payments. Concerned about the 2015 dates, I researched the company online. After learning RMCB has a track record for issuing invoices for money not owed, I chose not to contact them and provide any additional personal information. Hopefully this may help others to check before sending payment.
Product: Checking or savings account

My account was used and funds were drained from my account. 

I contacted Bank of America to solve the issue which they started to do. They then gave me a temporary credit of XXXX and a couple days later closed my account with a permanent credit of only XXXX. Where is my remaining XXXX? 

They also said I authorized the money however I didnt, otherwise the XXXX would not be permanent, as this happened at the same time. 

I filed a claim with the consumer finance already and the lady only called me 2 times. I called the Bank of America agent back almost everyday for nearly a month, to which she never replied. 

I am owed an additional amount of XXXX. I received a letter stating I only got a temporary credit for only XXXX however I actually received a temporary credit for the full amount I disputed which was XXXX. 

Then my account was abruptly closed after receiving the money I just want my money back I did not authorize these transactions and Im still missing money. The last agent did not thoroughly do her job and made multiple contradicting statements in the follow up mail she sent me.
Product: Credit reporting

Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.
Product: Credit reporting or other personal consumer reports

ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
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, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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 ) person shall not furnish any information relating to 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

XXXX reported a fraudulent charge under my name with a credit limit of {$1000.00} open on BARCLAYS BANK DELAWARE/XXXX XXXX. As a result, my Credit score was very low. I have a high balance of over {$5000.00} which is not from me. 

I've already spoken with Barclay 's Bank and they told me it would take about 60 days before they can get back to me. I would appreciate if I could get a response from Barclay 's Bank, as my Credit score is still very low.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

On XXXX XXXX collection agency ( Spring Oaks Capital LLC ) add a derogatory mark on my credit report per XXXX  Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Spring Oaks Capital LLC ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit card

Subject : Continuing Issues with Bill Payments- Formal Complaint Dear Wells Fargo Customer Service, I am writing to express my frustration and dissatisfaction with the handling of my bill payments by Wells Fargo. Despite multiple attempts to address and rectify the payment issues, the situation remains unresolved, and I find the management of these matters to be chaotic. 

I have made repeated efforts to contact Wells Fargo regarding the difficulties I am facing with bill payments. Unfortunately, these attempts have not yielded a satisfactory resolution, leading me to escalate the matter and file a formal complaint. 

I trust that Wells Fargo will thoroughly investigate the issues Ive raised and take appropriate actions to rectify the ongoing problems with my bill payments. Your prompt attention to this matter is crucial to maintaining a positive customer relationship. 

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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX of Inquiry XX/XX/2022 & XXXX XXXX  Date of Inquiry XX/XX/2022.