23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I didn't even attend the school for 3 months. I told them I will be joining the XXXX & to remove me. They said it was fine. After I joined the XXXX, I found out that they were still charging me as if I was attending the school. They now have me at over {$9000.00} that I owe them & my account is now at default. The school closed down years ago due to fraud. They have scammed numerous students with loans like they did to me. I have filed a dispute with the credit bureau & also the dept of education. I have also filed a complaint with the California Department of Consumer Affairs. It is currently under investigation. I have been serving in the XXXX XXXX for almost 9 year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding the reporting of the account under creditor XXXX XXXX XXXX with the account number XXXX. Despite my diligent efforts to communicate the inaccuracy of this information, it continues to be furnished on my credit files. 

This account has already been deleted from the XXXX credit bureau on XX/XX/2023. When are you going to delete this on your side? 

Having an inaccurate negative item on my credit report unfairly impacts my credibility as a consumer, potentially leading other creditors to form misconceptions about my financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, XXXX XXXX, and Citi credit. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to XXXX  XXXX and they have refused to remove the inquiry. I have also contacted Citi bank Home Depot Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.
Product: Credit card or prepaid card

I established autopay on my Citi Credit Card on XX/XX/XXXX which was confirmed by Citi when I called them on XX/XX/XXXX. They charged me a late fee of {$29.00} because I missed my XXXX payment deadline which was XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX confirmed that there was an issue with the autopay on their side which is why it didn't take. That person re-established the autopay and made a one-time payment for the payment that didn't go through, which I asked them to do. When I asked them to reimburse the late fee as it was their issue, not mine, ( I did what I was supposed to do ) they transferred me around and eventually I was hung up on. I messaged with Citi today, XX/XX/XXXX with a XXXX and she said they can not reimburse the {$29.00} late fee and that I need to call in. I'm sick and tired of calling in, sitting on hold, and being transferred all over the place for no response. They've acknowledged this was their issue and they need to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show WF failed to live up to the terms of the MPN for my Private Student Loans they acquired from Wachovia.

1. WF XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. WF XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. WF erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XX/XX/XXXX ( see p. 23 - 24 ) Thus, WF improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because WF failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX collection accounts XXXX and XXXX on my report that i am not reliable for and and when I filed a report with the XXXX  the investigation came back saying I never disputed the information when clearly i did
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. 
Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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

I have called Equifax more than five times in the last year about my credit report not being updated and being completely blank every time I call I'm told technical support will look into it but nothing have change for a whole year I want access to my credit report as it is my right and also desperately need my credit report so I can finally be able to apply for my mortgage loan as I have been waiting a long time to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company numerous of times once I left from incarceration. I contacted them immediately to let them know I have been a victim of identity theft and the account and inquiries need to be removed from my credit. I provided FTC report to them and fraud alert. The account was removed then came back removed again then show up again. This is unlawful. I will take proper steps needed next if this is not handled after this complaint.
Product: Checking or savings account

I currently have a complaint ID XXXX was submitted on XX/XX/XXXX and the status is still open and waiting for the company to response is in progress as of XX/XX/XXXX. 

After I submitted the complaint I received an email and a voicemail from PNC and her name is XXXX XXXX. She requested me to send her the documents the same documents that I had already sent to the PNC Bank in XX/XX/XXXX when I was requested. I also sent all the required documents to them and now XXXX XXXX is requesting me to send it to her again and I feel thats unfair for me because they should have it saved on file in a safe place for their clients privacy and protection.. 
I feel that PNC Bank is not trying help me at all and they have all kind of excuse of the reason why they cant close my checking account when I told them many times I would like to close my checking account and I dont trust them so please close my account and give me back my hard working money that was in my checking account. 
They wouldn't close my account but sending me emails saying I can view my online account statement online by login in to my online account and its a lie because they restricted me from having any access to login even though I had called them so many times and its still restricted up until today and it has been 2 years. 
I didn't get any respond back from XXXX XXXX yet.. I had email and also left her voicemail want to know if I can at least view my statement. 
I attached screen shot of the emails I emailed her and also a copy of emails I received to view my online account statement but I cant because they restricted me.
Product: Mortgage

I have requested that NJ Lenders identify who was paid from the XX/XX/2005 " refinancing '' for quite some time now and need this information ASAP because I am selling the house and certainly don't want to be paying the wrong party then sued by another party after the sale. 
I have been requesting that NJ Lenders identify who the payee was who deposited the {$130000.00} and send it back via the CFPB website. I has been established that XXXX XXXX XXXX XXXX was not the payee as NJ Lenders lead me to believe by sending me the mortgage stamped cancelled of record as proof of payment. I think it is only fair that NJ Lenders identify who the payee was who deposited the {$130000.00} that I have been paying back and in addition a lien was placed on my property as a result of the anonymous payee. I should be informed who the payee was who deposited the {$130000.00} loan since I have the responsibility of paying it back with interest and getting the lien removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inquiries such as : Falsely Reported Personal Information & Address - [ 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  ] These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I made a payment on a credit card to clear a balance. It was not late and the account was and is in good standing. On XX/XX/21 I received an alert saying that my score changed. When I checked my score it had dropped 97  pts even though my credit utilization went down and nothing else changed in my profile. When I called Transunion to find out what happened on XXXX and spoke with XXXX and her Supervisor XXXX ( neither would provide a last initial or ext number ) they told me that they couldnt give me specific information and advised me to order a credit report ( which wont have the score on it ).
Product: Vehicle loan or lease

I had a loan with capital one auto finance since 2018. I have a complaint also submitted for XXXX XXXX XXXX. 
Capital one auto needs to issue a refund to XXXX XXXX  XXXX. The loan with XXXX XXXX XXXX was cancelled but they did not stop payment. Neither did capital one. Every time I call capital one they tell me conflicting information and will not assist me. Every time I call them they tell me different information. No one is helping me from either company. The bottom line is I canceled with XXXX XXXX XXXX within the legal grace period. XXXX XXXX  intentionally let the payment go through and now it's nearly impossible to get this resolved. Capital One is intentionally taking a long time to do this so the 90 days will pass. This should be illegal to do to someone. This should be handled between the two companies. Instead it's me calling every day be told different information from both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave up.
Product: Mortgage

XXXX is the mortgage holder of my XXXX loan. I pay my mortgage like clockwork through my chase account. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  I receive a bank statement telling me that I am in default on my loan. I don't get upset, I check my chase payment records, then I go online to my XXXX Mortgage and my online account is current. 
This morning I have spent XXXX hours trying to research my own mortgage account with extreme XXXX of the hands and this company has no customer service line for the disable. I have re-aged accounts on my credit reports from all three agencies, I did not receive any financial relief during the pandemic, but these agencies did, yet I CANT EVEN BE TREATED FAIRLY WITH MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active XXXX XX/XX/XXXX, on XXXX it says XX/XX/XXXX and equifax XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Product: Debt collection

I was approved for a XXXX XXXX XXXX rewards card, I did not receive the card because the person who keyed it in put my apartment letter as G and K with my correct street address. I made no less than XXXX attempts at XXXX stores and calling the company to find my card, it finally showed XXXX  months later with fees, interest and late fees! I called their customer service and was told she could take the interest off but not the late fees, I had to pay them which was unfair since I had no account number or a physical card. I got such a bad run around and lied to by each person I spoke to when I paid my bill XX/XX/XXXX I cut the card up and mailed it back to the company. I got calls about how they would fix the issue it was too late and the interest was out of control for a rewards card. XX/XX/XXXX of XXXX I received another bill for {$17.00} in fees and XXXX in interest plus a balance of {$23.00} from a previous balance I did not owe, they were asking for {$49.00} for what I do not know the card was returned to them cut up in XXXX of XXXX, now a company called XXXX XXXX XXXX  is emailing me telling me I owe a debt of {$310.00} which I also do not owe the email was received on XXXX. I have a copy of the bill and the original letter sent to XXXX XXXX customer service when I cut the card up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is with regard to erroneous information that you has been reporting to XXXX  regarding the XXXX XXXX  account. 

First, you are reporting it as a repossession when, in fact, it was a voluntary surrender. Second, you also re-aged the account to make it appear as though the repossession had recently occurred, which had a negative impact on my credit file. This car was turned in back in XXXX and it is STILL reporting to my credit which it should not be. In accordance with the Consent Order # XXXX, Section V ( Conduct Provisions ), Paragraph 61.g.iv, issued by the Consumer Financial Protection Bureau , you are required to remove this information from my credit file with Equifax. 
It is showing the last paid payment is from XXXX and i did not even have the car in my possession since XXXX. The information of my credit report is false and needs to be removed.
Product: Money transfer, virtual currency, or money service

I was contacted by a " friend '', XXXX XXXX, on XXXX and he asked if I saw his post that you could earn money. He told me to contact XXXX and she would help me to earn money. I contacted a mutual friend and he confirmed this opportunity was real. XXXX asked me to send {$1000.00} via XXXX ( XX/XX/22 ) which I did and she said let 's continue talking via XXXX. Next she said congrats you can withdraw the money but first I needed to join XXXX I created an account and then they started sending emails. At this point I saw money they deposited to my account, {$1000.00} and they sent a code to my email but it didn't work. I contacted XXXX and she told me I needed to send {$1500.00} in order to get my money out and this would put me on a higher " level ''. I talked to my friends and they confirmed this was " so real ''. I'm thinking this really is my friends and didn't realize my friends had been hacked. Since the code didn't work, XXXX told me to go an ATM and send the money through XXXX. The machine didn't work so a friend helped me by letting me deposit into his account and then send the {$1500.00} through his XXXX Then I called my friend XXXX through XXXX and found out it was NOT him and that several of his friends went through the same thing. I continued to receive texts to send more money but I did not send any more. I realize now that because I need money it was easy form them to play on my emotions.
Product: Credit card or prepaid card

I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing capital one of stealing my money. But yet while trying to get this resolved with capital one, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by capital one.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items 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
Product: Credit reporting or other personal consumer reports

I have XXXX negative accounts remaining on my credit report from XXXXXXXX XXXX from XXXX years ago as a result of identity theft and fraud by a former business partner. I have disputed several times and they refuse to remove. Statute states that after XXXX years they can no longer be shown on credit report. I am sincerely asking that these accounts be removed from my credit report as I have worked so hard to start fresh and improve my overall credit and they continue to try and keep me down. I also have police reports and court documents that explain I am not responsible for these accounts which I have submitted several times but they do not honor. Every other bank has honored them.