23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018 I submitted {$5000.00} as payoff on one of my daughter 's student loans. In the process of submitting the payment, their website locked up. I re-entered the information and submitted again. On the second submission, I received a confirmation number. The next morning I checked my bank statement and realized the money come out of my account twice. 

I contacted Sallie Mae immediately and they confirmed that they received the payment twice and I had a credit balance of {$5000.00}. They informed me that I needed to email them proof that the money had come out of my account twice and to explain what happened. I did so immediately. They informed me they would expedite the request since it was such a large amount. 

I waited a few days and still had not received my money back. I called Sallie Mae again for a second time and they informed me that it could be 7-10 business days before I got my money back which would have been Thursday, XX/XX/XXXX. I waited until Friday, XX/XX/XXXX and called them back for the third time. I went through the whole process again. She again, for the third time, confirmed they had my money and yes it was due to me ; however, 10 business days would be Tuesday,XX/XX/XXXX.

I still do not have the {$5000.00} in my account and it has caused a financial hardship on me. I know in the banking world, they have 48 hours to credit your money back. Why is Sallie Mae allowed to keep my money for 14 days and still counting? Who regulates them? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because on XX/XX/XXXX, I had a late payment from a private student loan company called Firstmark Services XXXX recoded on my credit report. As a result, my XXXX credit score decreased from XXXX to XXXX and my XXXX credit score decreased from XXXX to XXXX. My loan in total was {$2500.00} with {$50.00} monthly payments. Today I have a balance of {$1800.00}. This loan was initially set up in XXXX with XXXX XXXX XXXX and XXXX XXXX sold my loan to Firstmark Services where my first payment was made in XXXX of XXXX. I have never had a late payment recoded until now. I am fully confident that this late payment is an error on my lenders part. 

To begin, I had set up auto-pay roughly the first week of XX/XX/XXXX for the purpose of worry-free timely payments. I thought everything was set up correctly but according to their system records, autopay was not set up and was not confirmed. As a result, my XX/XX/XXXX payment went 44 days late and my credit was affected ( and almost missed my XX/XX/XXXX payment ). They stated they gave me multiple phone calls ; however, I did state my phone blocks out spam XXXX XXXX XXXX XXXX XXXX XXXX 

My attempt to resolve this was a two-and-a-half-hour phone call around XXXX XXXX XXXX with Firstmark Services which included a financial rep and 4 different supervisors. Unfortunately, I was told by the rep each supervisor that the lateness was reported correctly. I feel stuck and the conversation came to a point where I asked for leniency since this was my first reported late payment given to the creditors. At that point, I realized that I would take need to take personal responsibility in order to get the lateness removed from my credit. I reached out to credit experts, friends and family which lead me to reaching out to you. 

I have never had a late payment recoded on my credit report and I am saddened to have seen this happen. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX iXXXX XXXXXXXX and have been working on keeping my credit in excellent standing. I plan to work diligently with you to get this lateness removed from my credit report in any way possible. I have future financial goals that I would like to continue to work towards. 

My Firstmark Services Phone Number : XXXX Thank you
Product: Checking or savings account

In XXXX  I XXXX  an amount to a recipient and it didnt go to that recipient I called my bank and they said it was nothing that they can do the {$500.00} was just gone.
Product: Debt collection

I have a debt and marks against my credit history. I do NOT live in a state that has a Wells Fargo. I have never had a Wells Fargo account. I would like this debt off written off of my credit history and compensation for marks against my credit when I've NEVER had an account through Wells fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency responded stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within XXXX days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed immediately!
Product: Credit reporting or other personal consumer reports

I requested my credit reports that are supposed to be in protection monitoring. 
There is a lot of miss use of my credit report Why is the the credit reporting agencies running my name daily decreasing my credit score because someone within the reporting agencies are using my personal information and I want it stopped. 
I will provide all of the daily inquiries and running my name daily for their use because I cant get credit Your credit reporting agencies are using our names so we cant Someone has credit in my name through CONCORA CREDIT because I Applied for credit and was denied because someone else is using my name. This is how American people are used and abused by your insiders
Product: Vehicle loan or lease

Overpaid loan by {$100.00}. Called Capital One 2 separate times. Customer Service will not cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.
Product: Student loan

I have been on an Income Based Repayment program for over 10 years with Navient. I recently received my annual certification to submit income to recalculate the loan amounts. I had submitted my certification and was told I no longer qualified even though my husband qualifies for the plan and our filing status on our tax return is XXXX XXXX XXXX. I had called on both XX/XX/XXXX and XX/XX/XXXX at XXXX AM for updates and was told I no longer qualified and that my husband had filed his forms out incorrectly and was hung up on when asking to speak to a supervisor. The annual submission is straightforward and I am certain they are not using my husbands loan values in making the calculation. Thank you.
Product: Checking or savings account

I have a Fold, Inc debit card account which is serviced by XXXX XXXX  and offers XXXX rewards. On XX/XX/2023 Fold locked my account and have refused to communicate since despite several support tickets and phone calls all of which have been ignored. My balance on the card is now unavailable and the app will not allow me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX 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

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with XXXX XXXX cause i feel someone is taking advise of me and my credits. So i did contact paypal to solve my billing and they contact the bank to filed complaining. there is lots more i see on my credit reports. 

Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do.
Product: Credit reporting or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX ( Reporting Multiple accounts ) XXXX. XXXX XXXXXXXX ( Fraudulent account/ Identity theft ) XXXX. XXXX ( Reporting inaccurate information about the account and Violating IRS guidelines for written off, Charge off, and discharged debt. ) 4. XXXX XXXX ( Reporting late payments when I was never late on the account/ Fraudulent charges were charged on the card/ this account is reporting false information ) XXXXXXXX XXXX XXXX XXXX XXXX ( Reporting inaccurate and unverifiable information damaging my reporting and Utilization. ) Stop reporting this account immediately I want it removed and deleted. 
6. XXXX XXXX XXXX credit card. ( VIOLATION FOR REPORTING THIS ACCOUNT/ THIS ACCOUNT WAS DISMISSED IN COURT AND WAS AHERED TO BE DELETED FROM REPORT. THIS COMPNAY HAD VIOLATED MY RIGHTS IN LITIGATION. REMOVE AND DELETE THIS ACCOUNT IMMEDIATELY. ) 7, Some collection accounts have violated several violations of my FC delete and remove immediately RA and FDCPA rights. I do not owe such debt These collection is not accurate or verifiable under 15 USC 1692g, 15 USC 1692e, 15 USC 1681n, 15 USC 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my original complaint. COMPLAINT ID XXXX. 
Syncrony 's response is insufficient for my likings. I did not receive anything by mail, and their email response was insufficient. The fact that they could not verify my identify me through bio-metric means does not make any sense as I went through the process at the retailer, all to no avail. 

Syncrony Bank purposely denied an individual with stellar credit, and it is most certain to me, that they do this practice with numerous other individuals seeking credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a Sunoco fleet credit card for XXXX under the XXXX I own, XXXX XXXX XXXX XXXX. I used my XXXX name and EIN number for the application. The application did require my name, address, percentage ownership of the company and social security number but since I was applying for a Sunoco fleet credit card, I used the EIN number for the business and not my social security number. Soon after applying, I received an alert from XXXX XXXX that an inquiry hit my personal XXXX  report. I'm not even sure how that's possible when I entered an EIN number and not my social security number. In addition, once you enter the EIN number, it gets encrypted so you can't even take a screen shot to prove you entered an EIN number. It also doesn't take you to a summary page, like most applications, to review the data before submitting. I want this inquiry removed from my personal XXXX   report as this is quite, if unintentionally, deceptive.
Product: Debt collection

I am a victim of identity theft and this account was open fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block the following fraudulent information from my credit report, as I am a victim of identity theft. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to request that information resulting from identity theft be removed from my credit report.I have no knowledge of these accounts and have not authorized any transactions with the listed creditors. These accounts appear to be fraudulent, and it is highly likely that my personal information was used without my consent, which constitutes identity theft. 
In accordance with the Identity Theft and XXXX XXXX XXXX of XXXX ( XXXX XXXX. XXXX ), identity theft occurs when a person knowingly uses another individual 's personal information without consent for fraudulent purposes. Under this law, I am a victim of identity theft and therefore entitled to dispute any debts that arise from the unauthorized use of my information. Additionally, I have never entered into any contractual agreements with the creditors listed above. As there is no valid contract or evidence of my consent to these debts, I demand that you immediately remove these accounts from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXXXXXX XXXX XXXXXXXX ), I am entitled to dispute any information that is not accurate, incomplete, or can not be verified. Since I have no knowledge of these accounts and have not entered into any contractual relationship with these creditors, these accounts are clearly inaccurate and should be removed immediately.
Product: Debt collection

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EQUIFAX. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C XXXX ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Product: Prepaid card

I was told that the gift card itself was blocking my purchase requests. 
This is an AMEX Gift Virtual Card. I have verified that the card IS active and has a balance of {$530.00} However, there are no merchants that will accept payment from this gift card. I have tried it for online purchases at XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and a number of other vendors. All have declined the payment. 
Amex Customer service has told me that the card is blocking my attempts to purchase anything. This virtual card can only be used online per AMEX so brick and mortar store purchases are out. 
So at this moment I am out {$530.00} that AMEX refuses to repay or provide me with an online location that will accept the card for payment.
Product: Credit card or prepaid card

RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX  / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX 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 an 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.