23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contact XXXX XXXX regarding my application for the XXXX XXXX XXXX XXXX program. Previously, they had provided me inconsistent information about the number of qualified payments I had made and I reached out to them seeking clarify and more information. 

On XX/XX/XXXX, I talked to operator XXXX who stated that there were 23 payments under review and that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX I talked to operator XXXX who stated that I would need to wait another 30 days. They reported I had 671 eligible payments and that 13 were under review. 

On XX/XX/XXXX I talked to operator XXXX who said they had no updates and no information. 

On XX/XX/XXXX, I spoke with supervisor XXXX who stated they would send a direct email to the treasury department and hoped to have a response in two weeks. They said I should be receiving/hearing something in two weeks, and that she would follow up if there was no response. 

It is now XX/XX/XXXX and I have not received any response. I still do not have any information or clarity about the number of qualifying payments that I have made for the PSLF program.
Product: Credit reporting or other personal consumer reports

I sent several letters to 15 U.S. CODE 1681 @ 2 ( a ) ( 1 ) I am writing to dispute an unauthorized inquiry/late payment on my credit report dated [ date of inquiry/payment ]. I did not authorize this and request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I am writing to dispute an unauthorized inquiry/late payment on my credit report dated XXXX. I request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I submitted a complaint ONLINE, XXXX, with CFPB, on the same day ( screenshot attached ). It shows " view Results '' showing MY STATEMENT showing the negligent antics regarding the LATE PAYMENT that was to be removed a YEAR AGO after the XXXX  - XXXX President wrote them TWO letters and attached the AUD that states NO LATE STATUS on what these credit bureaus refuse to remove. I've attached all the letters and screenshots as PROOF of their negligent behavior regarding my account. I went onto each credit bureau account today to DISPUTE this LATE PAYMENT, and it showed I CAN NOT DISPUTE ONLINE. I sent several letters- but they have yet to respond. They are USING STALL TACTICS. 15 U.S. Code 1681g ( a ) ( 1 )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection law. ( CFPA ) specifically! Cash failed to take the measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements
Product: Debt collection

I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with Wells Fargo Bank, NA that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by Wells Fargo dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called Wells Fargo three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and XXXX ) both times they will not update the information because Wells is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Product: Prepaid card

Equifax data settlement card with your XXXX XXXX. Called XXXX times XXXX way no call back from prepaid center. Downloaded all of the apps. Authorized the card. Tried XXXX, XXXX and card consistently rejected Was told they could not explain why it wasn't being accepted and to be more intentional while entering the card number. 
I answered the card number and proof that no less than XXXX times in their app. 

The amount of time and apps that needed to be downloaded and verified and re-verified clearly shows that this settlement with Equifax and cfbp was done in bad faith.
Product: Credit card or prepaid card

Blitt & Gaines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law firm listed above sent me a letter saying I owed them {$2500.00}, dated XX/XX/XXXX. I sent a response ( certified mail ) dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They did not respond with a validation but rather a verification in a letter dated XX/XX/XXXX. 

This went back over the course of months. They finally sent me a third letter dated XX/XX/XXXX which, again, was not a validation of the debt but only a verification of the debt. 

I responded in a third notice dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They have done nothing to prove validation of this debt. They are now suing me in the circuit court of XXXX XXXX in Illinois, case number : XXXX.
Product: Checking or savings account

I filled out the forms US Bank provided. I had my signature notarized, and provided my SSN. There was a check list included with the paperwork. I completed all paperwork. They just sent me a return letter asking me to sign a XXXX. I completed and signed said form in the first package. They are just drawing out this process needlessly.
Product: Payday loan, title loan, or personal loan

On about XX/XX/XXXX XXXX dba SpeedyCash agreed to receive payment of {$700.00} from XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX phone ( XXXX ) XXXX. 
On XX/XX/XXXX XXXX dba Speedy Cash ( almost 7 months later ) demanded payment of {$790.00} via e-mail. 
I called Customer Relations to find out why the demand is made directly to me rather than to contact XXXX XXXX XXXX. Customer Relations informed me there is no records of any agreement signed with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this fraudulent information.
Product: Credit card

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me,
Product: Debt collection

I sent a " XXXX XXXX Letter '' to a company trying to collect on a 20 yr. old debt. I recv 'd. several calls in the 2 weeks after the recv 'd the letter. The other day, they called again. I answered. 
1. They said they never recv 'd. the letter even though I told them who signed for it. So, I read it to them. 
2. The stated they are an " XXXX Firm '' not a collection agency and the consumer protection laws and the " Fair Debt Collection Practices Act '' does not apply to them. 
They said they would still pursue the debt.
Product: Credit card or prepaid card

SONY card was offered with following offer : Earn a {$100.00} statement credit when you open an account and use the Sony Card within 60 days. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

Terms were met, {$50.00} bonus never credited. I called a phone rep said, yes, you met the terms, I will credit the {$50.00} to your account, This was never done.
Product: Checking or savings account

I attempted to open an Everyday Checking account on the Wells Fargo website on XX/XX/2022. I initially deposited {$500.00} when opening the account which was processed and credited from an account that I have with a different bank. I received an email the next day stating that my account was closed. I have tried calling the phone number referenced XXXX for three days in a row. I am just put on hold for hours and at some point the line automatically hangs up on me. While I'm hold, an automated message simply states they are " receiving higher call volume than usual. '' I attempted to schedule an appointment at a local Wells Fargo branch in Texas and the local bank rep called me back referring me to the same XXXX number I've been trying to reach previously. I want my {$500.00} deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is 7 years old XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the 3 credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX is reporting this account with a late payment when it shouldnt be reporting late.
Product: Payday loan, title loan, or personal loan

I applied for a LOC with CashNetUSA online and was excited to start rebuilding my borrowing access to different companies. I did not realize that making a payment, the amount only goes towards fees and interest, nothing on principal. When I realized this after the first payment was made on XX/XX/2021, I contacted the company via chat and email. I asked to change biweekly payments because I can not afford to pay over $ XXXX {$700.00} a month. After all, the payments vary. The company communicated back with me and said it's nothing they can do. Therefore, I expressed again that I will not be able to pay and requested the LOC to be closed to stop fees from incurring, but I was told nothing can be done. I was disappointed with their response and did inform them that I would reach out to other consumer agencies to ask for help in getting this rectified. I just got the LOC approved in XXXX, and made the first payment as it was set, but when I realized how much biweekly because the second payment increased over {$100.00} more than the first payment, I knew this will not be affordable to pay biweekly. I even asked for a once-a-month payment in a lower term but was told this is not possible. I don't want to let the loan go into default but with no other choice, I will have to let it default and pay on it once a month. I am reaching out for assistance to get this account closed with an affordable once-a-month payment and no more fees or interests be added to an inactive account.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries and incorrect names, and addresses.
Product: Credit reporting or other personal consumer reports

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Debt collection

XXXX WELLS FARGO CARD SER XXXX XXXX XXXX CreditCard XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Company Alpha Recovery is trying to collect a debt from a credit card, i agree to pay and start making payments in 4 weeks because i am in financial problems, person on the phone call in every day 6 times to my cell phone and 3 times to my work phone, even after i ask to please do not call to my workplace. Person in the phone introduce himself as a XXXX XXXX, called today and start yelling me to get the money today one way or another
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, which has resulted in the unauthorized addition of fraudulent accounts to my credit report. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts : XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts
Product: Debt collection

I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is on behalf of my partner -- - as he does n't speak English. On   XXXX   XXXX   2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday,  XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual (   XXXX   ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday,  XX/XX/XXXX  he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual (  XXXX  ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a   XXXX   Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak   XXXX   or they do not hire Bilinguals/ XXXX  at all. I find this extremely worrisome and improper.
Product: Credit card or prepaid card

A capitol one credit card was opened under my name. I have not had an active capitol one card since around 2017. When logging in to assess the situation two phone numbers were being utilized that were not mine and that I did not recognize at all. As far as I know capitol one closed the credit card that was fraudulently opened but suggested I report it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX / XXXX /   2017 I  disputed some items on my credit report. I asked all  XXXX  credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX   saying it was verified.
Product: Checking or savings account

over those years i was charged alot of XXXX dollar fees because they didnt reconcile my account on times wqhen i didnt know my cashflow was low