23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX continues to send me notice that I have a payment past due. I have direct debit, money was not properly applied to my account on their end. I contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. There is not a XXXX representative following through on my issue and I need to start at the beginning with every call. I get a different details about how they are managing my payments with each call, and this is still unresolved, not my fault, and potentially damaging to my credit! On XX/XX/XXXX I requested a callback when my payments had been properly distributed on my account and the second level rep promised she would personally make that call, more than a week later FedLoan servicing failed to call but according to my conversation today something was done to redistibute funds on XX/XX/XXXX.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

Every American adult likely uses or will need banking services to survive in the modern economy. Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. Stop this collusion now!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my XXXX time disputing items on my credit report that I did not authorize. I am NOT an attorney or XXXX party rep. I have a legal right to dispute anything on my own credit report. The following accounts are mines : -FEDERAL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax if the worst credit reporting agency! need your help once again in rectifying my credit report of a MEDICAL collection. I cant get a complaint lodged online no matter what avenue i try. I tried free annual credit report and equifax system does not recognize my credit report number! Tried calling them and got through to call center agents based out of the XXXX! Asked to speak to a supervisor called XXXX and she was extremely un-knowledgeable about US consumer debt laws and did not even understand what I was trying to dispute. If you are going to hire people, hire people that understand ENGLISH! 

Please help. I have been trying to get this MEDICAL collection removed off my EQUIFAX report. All other credit reporting agencies have removed it, except EQUIFAX! 

The original reporting company reported the debt incorrectly to my insurance company and my insurance company showed a XXXX balance on my account. I can attach PDF if this website allows. I have also contacted my State Attorney General Office as well as all of the Congressmen in my area as well as others in the country as I am NOT the only one having this problem with EQUIFAX
Product: Student loan

I received this loan from Nelnet for {$5000.00} while at XXXX  XXXX University. 
I have started to make payments and I was told that I can not pay with my debit card online, I have to make a phone call and speak with a live person. 
And so I did, I paid {$250.00} with my XXXX debit card and I was told it would pay my {$170.00} pmt and the rest was going to principal. 

The month after I tried to pay the same way and they told me I could pay with my checking account but I could n't pay with my debit card because my bill was not due yet. 

So I waited till the following month and I wanted to pay {$250.00} like I did before and I was told I could only pay {$170.00} with the debit card but not {$250.00}, to pay the rest I had to give out my bank account information. 

I need to know how I can make a payment with my debit card to nelnet for {$250.00} per month. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Additionally, I would like to address the following inquiries associated with my credit report : 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: Checking or savings account

Closed my account for no reason did not owe money or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX XXXX 2.Collection Management XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.
Product: Mortgage

On XX/XX/2020, I applied to WellsFargo to have my husbands {$210000.00} WellsFargo mortgage loan refinanced at a lower rate. After having submitted all the necessary paper work, underwriting said that it " LOOKED '' like I had a mortgage loan in XXXX that was foreclosed on. I informed underwriting, via my loan processor, that I payed cashed for the property, so there was no mortgage. Underwriting requested that I submitted a statement to that effect, which I did. My loan officer later told me that the statement was not sufficient, so I submitted to the loan processor proof that I paid cash for the loan. That was still not sufficient. Later, I was told that we were denied the loan. 

Additionally, WellsFargo was the bank that we initially when to to get a loan from for the property which we were attempting to refinance with them. They denied us then, but WellsFargo ended up purchasing the loan from XXXX, go figure. 

Finally, we will be closing on Friday with another lender who could not understand why WellsFargo denied us the loan.
Product: Payday loan, title loan, or personal loan

Speedy cash took {$1900.00} out of my account without my permission. A ACH letter is on file with the company Company admitted they made a mistake but left me without any money until the amount can be put back in my account which is 3-5 days!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies regarding reporting, such as incorrect amounts and dates.
Product: Checking or savings account

Im trying to keep contact and save with my debit reports thru this app XXXX
Product: Credit card or prepaid card

Avant card ending XXXX - raised my XXXX rate from XXXX to 30.74 % without XXXX  days notice in advance/ my card is less than a year old - both a direct violation of the XXXX XXXX
Product: Mortgage

I fell behind on my mortgage payment this year. My mortage co. was holding XXXX $ in a suspense account I sent them about XXXX $ XX/XX/XXXX cashiers check because they kept returning my payments I would send them a check as the arrangement that was made between the account mgr and myself. He accepted the arrangements. then the arrangements were not good enough. I was to send XXXX $ every 2 weeks. They would take almost 2weeks to cash my checks then charge me more fees. My XXXX is no where to be found and I have been sending my payments via certified mail to ensure they get them My accont is way behind with all their fees they keep changing where my missing $ is and they keep threatingto forclose on my house. they wont fix my account or tell me where my missing $ is I got a payment report from them it says the money was returned to me I never got it and they cant tell me the check # or when it was cashed and it has not been applied to my account.Ever since this company got my loan they have done nothing but mess up my account from the 2nd month they had it
Product: Credit reporting or other personal consumer reports

Original Creditor XXXX XXXX reporting old private student loan information to the three major bureaus : Transunion, XXXX, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX 4 credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All 3 bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the 3 major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX Experian XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Product: Debt collection

XXXX XXXX is saying I owe him {$10000.00} in back rent from XX/XX/XXXX to XX/XX/XXXX for a property that he lost due to false leasing and the property has been on the News from him getting money from XXXX and not using it to fix up the property since Storm Ida which took place XX/XX/XXXX. The property has been placed as blighted and is marked as unlivable. How do I owe him rent for a place that's unlivable and is a blighted. 
XXXX XXXX XXXX was on the XXXX XXXX XX/XX/XXXX and when I contacted the credit agent he went through that's the same day he filed with them. Not to mention ALL his proptery is in XXXX XXXX Louisiana and he got his credit agents called ProCollect out of XXXX Texas where they don't know anything about him or what he's been labeled as in the state of Louisiana, '' Slum XXXX. '' He has abused his authority on many people not just me.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw there were multiple hard inquiries I did not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights These are the accounts I marked as inaccurate : XXXX - XXXX Fair Collection and Out XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXt - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

I am writing to file a formal complaint against Citibank regarding an unresolved chargeback request related to a transaction that occurred on XX/XX/year>. Despite my efforts to resolve this issue through Citibank 's billing disputes department, I have not received satisfactory assistance. The transaction in question involves an illegal business, and I have provided substantial proof to support my claim. 

Details of the Incident : I was initially quoted {$1500.00} on XX/XX/year> for a XXXX XXXX XXXX XXXX by XXXX XXXX, also known as XXXX XXXX, the sole practitioner of XXXX XXXX XXXX XXXX XXXXXXXX. However, {$2500.00} was charged to my credit card without my consent. The procedure failed to deliver the promised and advertised results, and I later discovered that XXXX XXXX is not licensed to perform these procedures. 

In fact, I discovered the procedure, practitioner, and business is operating without the proper licenses. According to Rule 61G5-18.00015 1 ( b ) of the Florida Administrative code, procedures such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which these were ) are beyond the scope of a XXXXXXXX license and require a medical license. The practitioner from the XXXX XXXX is not a licensed XXXX XXXX, or medical professional, violating state regulations. The business itself also does not appear to be properly registered as a XXXX XXXX XXXX XXXX  business. This unlawful practice has been reported to the Florida Attorney Generals Office, the Florida Department of Health, and the Florida Department of Business and Professional Regulation. Citibank was also notified of these details to aid in resolving the chargeback. 

Additionally, XXXX XXXX XXXX XXXX XXXX 's advertised policy states, " Our policy is that if there is no measurable and/or visible difference our clients do not get charged. '' Despite no visible or measurable improvement, this policy was violated, and I again informed Citibank of this policy, and provided proper proof of this advertised refund policy. Other customers have experienced similar issues and reported them on XXXX, this indicates a pattern of this business refusing to honor their own advertised policy, which constitutes a violation of Floridas Deceptive and Unfair Trade Practices. 

I have been a loyal Citibank customer for several years and have maintained an excellent credit history. I am concerned that this unauthorized transaction will impact my credit score, which I have worked diligently to uphold.