23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive made excessive reports on my money being stolen out of my account from XX/XX/year> up until XXXX had contacted customer support multiple times asking can their company which is NetSpend blocked and cancel the card and also the merchant so I wouldnt have to worry about the scammers stealing from me again and they failed to do so, letting scammers take approximately {$3700.00} dollars from me. I have proof of me complaining to netspend since I first realized I was being robbed and they didnt do anything to help me, I couldnt buy my daughter a XXXX XXXX due to this inconvenience and these guys obviously dont care. When I filed the dispute to get at least provisional credit NetSpend closed my account for suspicious activity and said I was no longer getting any provisional credit when Ive been telling them there was suspicious activity going on from the beginning. The NetSpend bank mentions its insured by FDIC which my money shouldve been insured but it wasnt. Can you guys please help I have proof of everything I am saying, thank you
Product: Money transfer, virtual currency, or money service

This scam has happened twice now. With the most recent being the most promising in appearance. The first one was for {$350.00} and I was told CASHAPP couldnt get it back to me. This time its {$1000.00} and {$650.00} they sent to be turned into XXXX. The scam started on XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX He then gave his XXXX  ( XXXX ) where on his story he shows multiple XXXX saying they received payments. He asked for {$110.00} using a bit of foot in the door psychology to ask for more. Then he directed me to an agent who contacted me via email ( XXXX ). They said I needed to pay processing fees that now amount to {$900.00}. They then told me another accountant would pay me. The accountant paid {$650.00} to me but demanded I give it back in XXXX. Their email is : XXXX XXXX
Product: Debt collection

I looked at my credit report and i noticed that the collection agency Williams & Fudge INC is reporting a collection account on my file for {$1900.00}. I have no knowledge of this debt and i was never sent a DV or anything. This debt is not valid and does not belong to me
Product: Mortgage

I applied for assistance. They approved a deferral program and stated I needed to accept it by XXXX by signing the paperwork and returning. But on an additional page they indicated I needed to pay XXXX by XXXX which I didnt see at the time. So now I'm in foreclosure and they won't honor the letter I signed or the payment I sent in late.
Product: Mortgage

I believe that me and my husband are victims of a predatory loan. In XXXX XXXX we brought a home through Countrywide Loans for {$390000.00}. In XXXX it was discovered Countrywide Loans had done some predatory lending. Our monthly payment went from around {$2000.00} to {$3000.00} and then to {$4000.00}! Our loan was transferred to Bank of America and the new mortgage payment was exorbitant over {$4000.00}! We got a loan modification in XXXX. That helped for a while but the monthly payment is slowly creeping back up to almost {$3000.00} again. We ca n't keep paying these exorbitant house payments. We never heard anything about whether Countrywide Loans was sued and settled. I want to know if they were sued and if a settlement was done and if we were a part of the settlement? Bank of America has now transferred our loan as of XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX and they have increased our loan payment again. SLS does n't seem to be able to tell us anything but want to send us back to Bank of America and Bank of America sends us back to SLS. Our monthly mortgage has again risen wince being with SLS. We need answers. Did Countrywide give us a predatory loan, were they sued and a settlement received, and were we a part of the settlement? Should we have received something monetarily or a reduction in our loan amount?
Product: Credit reporting or other personal consumer reports

This is my several 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 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 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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Complainant : XXXX XXXX XXXX Secured Party Creditor : UCC1 Filing Number : XXXX Respondent : Comenity XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX , secured under UCC1 Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
Comenity continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code. 
Relief Sought : I hereby demand that Comenity immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor UCC1 Filing Number : XXXX
Product: Student loan

In 2009, I was trying to enroll with XXXX University to earn a XXXX in XXXX. I was told that I did not have the required credits to enter the program. I did not enroll, did not pay the enrollment fees and did not pursue the degree. XXXX received funding through XXXX XXXX in 2009. Since that time, I have been trying to resolve this issue with all parties. Now, XXXX XXXX is contacting me via XXXX, regular mail and by phone numerous times per day even using a spam type of service to call me using my own cell phone number. I have explained that I did not receive these funds from XXXX and was never enrolled. XXXX XXXX has stated it does not matter if I did n't receive the funds that I am still required to pay even if it went to XXXX. They are now telling me that I am going to be facing legal action, seizure of personal property and tax refunds. I can not get them to stop.
Product: Vehicle loan or lease

I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.
Product: Student loan

I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.
Product: Credit card or prepaid card

On XX/XX/XXXX. I made an online purchase @ XXXX XXXX website for additional checked bags for the amount of {$300.00}. 1st checked bag {$0.00} + 2nd checked bag {$100.00} + 3rd checked bag {$200.00}. according to airline policy. 

at the counter ( airport ) we had only a total of 2 bags to check in, one free and the 2nd for {$100.00}, we were informed by the employee that there will be a refund of {$200.00}, to contact the credit card company AMEX to issue the refund. 

on XX/XX/XXXX opened dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX and realized that the credit card company still does not understand what happened, they thought the charges were for extra weight. 
was informed that they would request records of the total checked bags or excess weights. since the airline companies refund customer service cant be reached by phone, only through there website, and the website did not allow the claim to be filed. 
XXXX XXXX  had only sent two Unclear and Unreadable pages that did not clarify a thing but was considered solid proof for AMEX to cancel my dispute three times. 

please note that after the 3rd attempt and speaking to a manager by the name XXXX (XX/XX/XXXX )  dispute XXXX were we requested additional information, AMEX took it on its own within 12 hours to close the dispute for the 3rd time. 

all that was done by XXXX XXXX is to be unreachable and send two unreadable pages. 
AMEX Gold Card Holder with {$190.00} membership fee X 2. 

all documnetation are available upon your request.
Product: Credit reporting or other personal consumer reports

Debt should not be on my credit report per the CFPB prohibiting medical debt from appearing on credit reports.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, I was informed by a third party that XXXX XXXX XXXX wanted my contact information with concern of a financial matter. I personally reached out to XXXX XXXX XXXX for further explanation. At that time, I was informed by XXXX XXXX XXXX that their records reflected myself as a responsible party for an outstanding debt of approximately {$11000.00}. XXXX XXXX XXXX, at that time, was made aware that I had no knowledge of this alleged debt. I then promptly requested a dispute of the matter, along with all relevant documents, and provided my contact information ( phone, email, and address ) as none was on file to provide the requested documents. I'm still waiting.
Product: Bank account or service

Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on Equifax YET XXXX  and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working  on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Product: Credit card or prepaid card

I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX. 
I went to make a payment on my credit card. I put in {$1200.00} and it told me I had {$1100.00} credit I thought that was strange so I got my money back out but they only gave me {$1100.00}. I stuck it in a second time and it said I had {$1100.00} credit I pulled the money out and it only was {$1100.00} so they ripped me off {$140.00} I did not want to hold up the line so I drove around the block and pulled behind the gentleman that was behind me. I looked up after I counted {$1100.00} and saw that he was yelling at the machine. I open my door and asked him if the machine had ripped him off and he said yes. I told him we should go into the bank and tell them but he said he was going to call the number on the ATM. I went into the bank and explained to them what happened and they made a payment on my credit card for {$1100.00} because that was all the money I had. 
After I made my payment, I talked to another bank employee and he told me that the ATM had been ripping people off all day and I was asked why didnt the bank put a sign on it and all they did was laugh about it. The bank XXXX had told me to call the number on the ATM which I have called six times they give me the run around and tell me its going to take me up to two billing cycles to get my money back which from what I understand it should have taken care of it within 10 days or less. I keep getting the runaround I just want my {$140.00} put on my credit card. 
The ATM ID Number is XXXX
Product: Checking or savings account

I transferred {$400.00} from my Credit Karma savings account to my external Credit Union checking account. Its been 15 days and my transfer has not shown up. Credit Karma says it has been transferred. My Credit Union says they have no record of the transfer. I am now missing {$400.00} I transferred out of my Credit Karma Savings account into my external checking account. Customer Service is pathetic with no help in sight. They respond with confusing emails I suspect are written by someone without a grasp on the English language. My case number with Credit Karma is XXXX. I really need some help.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Report Fraudulent Account with XXXX XXXX XXXX XXXX Dear EXPERIAN, I am writing to report an incident of identity theft and to dispute a fraudulent account that has been opened in my name. 
Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX Fraudulent Account Information Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX I did not open this account, nor did I authorize any transactions associated with it. I first learned of this fraudulent activity on XX/XX/year>. 
I have taken the following steps to address this issue : 1. I have filed a FTC REPORT XXXX NUMBER. 
2. I have contacted XXXX XXXX to report the fraudulent account. 
I request that you investigate this matter and remove the fraudulent account from my credit report. Additionally, please send me a confirmation once this account has been removed. 
Enclosed are copies of my identification and the police report for your reference. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you need any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. TransUnion and XXXX   keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX/XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX/XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.