23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I signed up for a debt consolidation loan in XX/XX/2015. Since then I have went for extended periods of time with no income. I get hired through temp agencies and work a few months and then out of work again. My debt consolidation loan has been in forbearance. The loan started out at {$30000.00}. Now my loan while still in forbearance my loan amount is {$36000.00}. I can not afford the loan now, there is no possible way I will ever be able to pay it when the amount keeps increasing. Debt consolidation is suppose to help people like me. This is not helping me. How can a consolidation company increase my amount while in forbearance? There have got to be laws to protect consumers from such practices. I do not know how companies get away this. 
Also I have requested information from XXXX XXXX  on 3 separate occasions and I have not gotten a response still. I requested details regarding my consolidation loan. I want to know exactly what loans are covered in there. I contacted XXXX XXXX XXXX and they told me they do not have that information. I was told I needed to contact XXXX. When I contacted them I never get XXXX reply. I have sent emails and made phone calls and got nothing. I feel there are loans duplicated in my consolidation loan. When the loans were sold and resold I feel that multiple companies have submitted the loans. I had a lawsuit in my local county for a student loan I never had, the company that was suing me was not even a lender. XXXX XXXX XXXX XXXX XXXX sued me, they lost in court. I have been notified numerous time by XXXX stating my identity has been compromised. All of my issues with my identity is from student loans. Companies buy debt and sell debt and then these loans show up multiple times on your credit. It has happened to me. It is still happening to me. I tried to do the right thing by getting a debt consolidation loan and they have been screwing me as well. I have the right to know what loans are in my debt consolidation. In order for me to owe a debt there has to be original paperwork from the original lender and the paper traiXXXX from that time. I can not get any proof or documentation from anywhere. I read reviews about XXXX and how they have fraudulent practices. I live below poverty level. I am struggling and this company possibly has loans in my debt consolidation that should not be there. When a consumer requests such documentation it has to be provided. There a laws in place to protect consumers like me and yet no one will give me the information. Can someone please help me? I do not believe I owe the amount they say I do. How can a company charge interest in forbearance, over {$6000.00}. This is insane. Student Loan Lenders are destroying people 's lives. Someone in government should step up and fight these companies. And debt consolidation companies too. I do not believe I ever had {$30000.00} worth of student loans.
Product: Debt collection

I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2022 account went overdraft by {$49.00}. The account was brought back to positive within 24 hours. On XX/XX/2022 account went overdraft by {$36.00} at XXXX but I brought back to positive balance within a few hours. According to https : XXXX I should be allow to have 24 hours to bring my balance back to positive without being charged with any fee if I didnt overdraft more than {$50.00}. I was charged {$35.00} overdraft fee for both time. 

Ive reached out to TD bank and they said they cant refund the fee.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please removed these account from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.
Product: Credit reporting or other personal consumer reports

I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by Capital One Bank. 

This delinquent account record is inaccurate because there was an error through the payment system for Capital One, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and XXXX   that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, a Wells Fargo rep called me to schedule a mediation session for the XXXX outstanding claims related to XXXX  Identity Theft products they erroneously added to my checking account between the years of XXXX. 

I asked the rep if I would be receiving a pre-mediation offer, like all the other consumers and she said I was not eligible for the offer because I previously went through mediation. 

This is unlawful. I am entitled to the pre-mediation offer as it is a vital part of the Customer Remediation program. Wells Fargo is attempting to lowball me and violate my rights by denying me a pre-mediation offer as they did with the previous claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted all three major bureau to have all old addresses and phone numbers removed from my account. And was giving a hard time to get the inaccurate information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
Everything must be 100 % accurate in my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under. 

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: Checking or savings account

My bank charged me 5 overdraft fees in 1 day, but everytime I thought I went over a little I put the money right back in from my other account but was still charged and the bank saying there is nothing they can do, now Im almost - {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION/XX/XX/XXXX .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single FedLoan Servicing account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond  irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.
Product: Mortgage

Recently,  Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the  XXXX  and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this  months statement does n't say what the  XXXX  fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with  Ocwen, th at they email confirmed, for   XXXX   XXXX   at   XXXX   XXXX   but they never called and still have n't.
Product: Credit reporting or other personal consumer reports

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My loans were originally with XXXX XXXX and XXXX XXXX bought them out. Well in XX/XX/2017 I had called in to get some information on my loans. After speaking with a representative I went on to get 2 more calls that same day. That clearly violates the FDCPA and I advised them not to call my cell phone anymore. Well the next day I received another 2 calls from them from an automated dialer and therefore I called them and advised them that also violates the FDCPA. After that I was frustrated and offered them a settlement on the account in which they rejected. As of XXXX Navient has been speaking to me because they were the servicer at that time and XXXX XXXX the guarantor. I advised Navient of the same thing. Either settle on the account for the violations of the FDCPA and or bring the balance to 0 considered pain in full. I also advised Navient not to call my cell phone as my employer pays for it. Well they didn't listen to that and I proceeded to get another few calls. After a while they stopped. Well last week XXXX XXXX XXXX whose parent company is Navient called my two sisters. First thing they said is this is an attempt to collect a debt how do we get ahold of XXXX. Well stating it was an attempt to collect a debt that clearly violates the FDCPA. Both of my sisters advised them not to call there cell phones they said okay wont happen again. Well my one sister got another call today and first thing that is said is this is an attempt to collect a debt. My sister was not happy as she specifically told them not to call her cell phone. well since they called her again and they advised it was an attempt to collect a debt that's another two violations. I want this balance taken to 0 considered paid in full to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate 1 collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXX BalanceLoan Amount {$2400.00} {$2400.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXX/XX/XXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : XXXX XXXX   Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to Equifax 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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: 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.