23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX Dear Barclays Company, XXXX Reword Credit Card XXXX I requested credit line and your bank always denied my request even my credit score good and excellent. 
XXXX XXXX credit scores a s following XXXX - XXXX XXXX - XXXX XXXX - XXXX I have a higher credit line different banks and I am requesting this card because I need a get XXXX Computer. {$1000.00} credit line not enough.Please reconsider my request and approve credit line. 

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

Midland Credit Management is reporting a collection in my name that isn't mine to both XXXX, XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Student loan

This complaint is in regards to a student loan I have with Wells Fargo. The account number for this loan is XXXX. I obtained this loan back in XXXX or XXXX. I have saved enough money to pay the loan balance in full. The loan balance is {$5900.00}. I have been trying to make a one time pay off but Wells Fargo refuses to accept anything other than minimum payments of $ XXXX/month. On XX/XX/XXXX I made a payment to Wells Fargo for {$5900.00}, confirmation number XXXX. Wells Fargo refuses to provide me with anytype of documentation that the loan is paid off. I was told that the funds would be trasferred to Wells Fargo no later than XX/XX/XXXX yet the money still has not left my bank account. I know the reason Wells Fargo refuses to take my money is because they want another month to pass so that interests accrues on my balance so they can charge me more despite by {$5900.00} payment. 

I have spoken with several bankers with Wells Fargo who refuse to provide me with any type of receipt or documentation for paying off my loan. ( 1 ) XXXX XXXX NMLS ID : XXXX ; ( 2 ) XXXX XXXX NMLS ID : XXXX. I have also spoken with the " branch manager '' of the Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke with a male over the phone and he refused to identify himself or provide his NMLS. He refused to provide me with anytype of documentation of my loan repayment.
Product: Credit reporting or other personal consumer reports

Equifax, is one of the three major credit reporting agencies. 
In XXXX of 2017, Equifax experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action lawsuit and Equifax provided seven years of free credit monitoring services. 

On XX/XX/XXXX I called Equifax Customer Care at XXXX and spoke to XXXX, not sure if that is the correct spelling of her name, to inquire if there is an option for two-factor authentication when logging into the Equifax website . I was told they do not have 2 factor authentication, it is not an option. 

How is this possible that one of the three major credit reporting agencies that has access to all my personal information, does not have a security method in place that requires two forms of identification to access my data and resources? 

XXXX and XXXX both require two-factor authentication before accessing all my personal information. Equifax should make two factor authentication available.
Product: Debt collection

I checked my credit reports and noticed that on my XXXX credit report that my score had dropped because of a collection from this company. I have NEVER received ANY information regarding this debt. No letters, no telephone call, NO communications, it was placed onto my credit profile. This debt was for XXXX XXXX XXXX in North Carolina. At that time, I had XXXX XXXX XXXX and my insurance paid the balances. I do NOT have any other collections items on my credit profile and was SHOCKED when I learned of this inaccurate information. 

I can not get ANY sort of validation or PROOF of said debt, and it appears it has been " sold '' to someone from XXXX XXXX. I do not have an issue paying the debt of {$200.00} IF it is valid. HOWEVER, I can not find a contract the I SIGNED saying that I owe ANY monies to Lockhart, Morris, and Montgomery. Therefore this debt is INVALID I want this bogus collection account removed from ALL of my credit profile IMMEDIATELY or I will seek further legal action
Product: Credit reporting

There is a second name that is not mine and never has been and there is also an address I 've never lived at or received mail at.
Product: Debt collection

Mariner Finance in XXXX PA keeps calling and threatening me to take me to court. I've asked on several occasions to have my payment date moved to after the third of the month so I can pay on-time with my Social Security check.
Product: Checking or savings account

i recieved mail stating that i applied for an XXXX loan and was approved i went to talk about it and the lady said its not mine but never let me explain that i didnt apply for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union and XXXX via certified mail on XX/XX/2022 to initiate further investigation and removal into incorrect information/mis-reportings on my credit report. 


I had previously worked through the reporting institutions as well as a credit repair agency for help with this matter, to no avail ( yet ). 

They are reporting false and inconsistent informational and have given no basis of proof for why or how they are determining this. 

They have neglected to respond with any of my requested information, and are not properly verifying this information. 

Additional Notes : We are disputing a claim from XXXX XXXX put a charge-off on our account without notifying us ( a CfpB complaint was filed ) I will attach : my letter to Transunion my letter to XXXX a screen shot of the credit issue on my report so you can see the details and inconsistencies with dates, amounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ONLY erased ALL my credit history because I legally changed my name. I submitted an official copy of name change, social security and even birth certificate with old XXXX new driver license to all credit bureaus. Experian refuses to consider the legal proof I provided. Yet each time an inquiry comes through I am DENIED an apartment because they are keeping the 2013 eviction as part of my private file. This discrimination and I know that this could easily be corrected and I could at least have a place to decent live. Each apartment complex goes to Experian ... they need to submit in writing WHY the ignore my request but XXXX & XXXX accepted my legal court documents as legal proof of my past and present! 

Thanks for assistance in resolving this discriminatory act, that has me paid over {$350.00} in rental applications fees, decreases my credit score, denied apartments, purchase of cars, this must stop. I have spoken to EXPERIAN over 5 times including supervisor and no one seems to care or know how to handle this unfair act of discrimination based on name changes. 

Hard times are made to end when you work 2 jobs and create a XXXX, XXXX is unfair!!!!
Product: Checking or savings account

I had {$1200.00} of unauthorized activity and I disputed all of these charges to cashapp and instead of actually doing anything about it they banned my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX
Product: Student loan

Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally making a written complaint against Credit Acceptance Corp. I recently reviewed my credit report and noted where the balance is incorrect. This account is currently in collections and has not recieved a payment from me personally since XX/XX/XXXX. I have not spoken with anyone or agreed to settle or make any type of payment or arrangement. Under law only a certain amount of intrest can be added to a collections account. Credit Acceptance has been adding interest to this account since XX/XX/XXXX. Again I have not physically spoke with anyone or agreed to any payment arrangement. Per my credit report {$88.00} was recently added to the balance on XX/XX/XXXX. Projecting as if I made a payment bringing the account current. The account has not been current since XXXX. This account is 7 years and the last payment was made again in XXXX. This is fraud and forgery.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Product: Money transfer, virtual currency, or money service

I tried buying an online ticket from a XXXX  user that seemed legit. I sent the person {$100.00} at first as a security deposit and then I sent them another {$100.00} after they said that they would continue to send it after the money was received.
Product: Credit card or prepaid card

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and BK OF AMER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about my health. The privacy law is being broken by the medical care provider and the collection agency. Validate the debt or delete the debt from my credit report.
Product: Student loan

XXXX XXXX XXXX  - Received notification from the US Department of Education about Borrower Defense Application # : XXXX. I submitted two applications and sent in one via certified mail which was somehow also " lost ''. I am a member of the XXXX XXXX XXXX class action lawsuit and have received physical confirmation that my loans should be void from XXXX  XXXX XXXX. I have yet to see anything in follow-up to this lawsuit to which it states : " The Department will not deny your application without first providing instructions on what is required for a successful application and giving you the opportunity to resubmit your application. '' I am not sure why my loans haven't been dismissed as of yet. Also, I am unable to get any traction from my servicer Navient. They also keep trying to FORCE me into refinancing my loans so they will no longer be federal but privatized which is totally misleading. I want to know where all the money is going if loans aren't actually being written off. I am still incurring interest as my loans sit in forbearance which is negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit started running my credit without my authorization several months back. I called and spoke with someone at Chase and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. Chase continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from Chase. I have asked numerous times for this to stop, but Chase continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but Chase has done nothing. 


CHASE CARD Bank XXXX XXXX, XXXX CHASE CARD Bank XXXX XXXX, XXXX
Product: Mortgage

I bought my house with a mortgage from Huntington Bank in XX/XX/XXXX. I was notified in XX/XX/XXXX, in my escrow analysis, that my account was in deficit {$10000.00}. As a consequence, my monthly payment increased {$810.00}. Where did this deficit come from? Huntingtons third-party company, XXXX, erroneously paid my house 's XXXX property taxes to the county with my escrow account, creating a deficit of {$10000.00}. I didnt live in the house in XXXX, and XXXX taxes were already paid by the previous owner. The county saw the error and issued a refund to XXXX in XX/XX/XXXX. XXXX erroneously sent the money back to the home 's previous owner. Huntington acknowledges this as their error. They keep telling me that theyve requested a refund to my account and that since it is such a large amount, it needs to go through an approval process. The requests for refunds started in XXXX, so this has been going on for months. In the meantime, I keep paying {$810.00} extra each month for this deficit HuntingtonXXXX created . This is on top of the {$10000.00} that is missing from my escrow. Ive asked for a refund for all of my overpayment and for my monthly payment to go back to its old rate. No response. I am attaching my communication with the company via online portal ( read from bottom-to-top ) and the fax i provided to them showing the payments from our county. Each time I call or send them an online message, they say, a refund has been requested. I reached out to my mortgage broker, who said hell look into it, but I havent heard from him for over a week.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS , LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XX/XX/2022 Alleged Debt Amount or Balance : {$640.00} Dear JEFFERSON CAPITAL SYSTEMS , LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Debt collection

OnXX/XX/XXXX I contacted Trident Assest making them aware that this acount was a result of identity theft. I mailed them a letter that was provided to me by identity theft .gov in regards to this account they are now reporting on my account as an open account and reporting twice they are servicing an account for XXXX the first account is for XXXX states in was opened XX/XX/XXXX 3  years and 3 mos and it sttes closed but on XX/XX/XXXX the reported to the bureau again, then you have the same account that listed with trident and its in the amount of {$950.00} opened in XX/XX/XXXX 4  years and 6 mos. Now my biggest issue is how could you let someone open a fraud account twice.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX