23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was Mohela. My loan was transferred to  XXXX . I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  XXXX  ha s no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted Mohela- initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no   response or transfer of my payment. I am now being told that  it will take 60-90 days for my payment to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services XX/XX/XXXX
Product: Debt collection

I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Product: Checking or savings account

I opened an account online and it asked me to come in and verify my identity so I did in person and the teller and XXXX help me to finish setting up the account because I needed the information for a settlement that I had received from an insurance company XXXX XXXX XXXX  company Settlement for my items that were damaged in the storage due to water leaking through the roof. The manager provided me with the deposit information which I provided to the insurance company who then a few days later deposited my settlement {$2000.00} into my account through direct ACH deposit. I have bills to pay so I went into the branch and took out XXXX in cash and then I tried to access my account online and it was showing an error so I went back into the branch XXXX days later and they told me that they had closed my account and that I couldnt access the money and they would not give me the balance of my funds in the account And gave me no explanation. They asked me to verify my phone number. They asked me to verify where the 2000 came from and I showed them the email and information that was sent by the insurance company they treated me very poorly.. us bank XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX and I 've already contacted you regarding this matter. Amount of {$120.00} supposed to come to my bank account through the Quick Pay XXXX. However, it came to the different account with my old name XXXX XXXX. Please look into it deeply and do n't rush to say that you do n't see this transaction on my account. Of course, you wo n't see it, as I 've mentioned before I 've never received the money. 
If any questions call me at XXXX. 
Would love to get you help on this matter.
Product: Mortgage

I applied for getting a house loan with mortgage solutions in XXXX 2016. I was led to believe I was approved and received a preapproval letter of {$270.00}. Everyday he was telling me tomorrow you will get your approval letter. Our closing date was XXXX/XXXX/2016 he wanted us to extend it. The seller extended the closing date a few times. He still was promising the next day we will hear from the underwriters, he played this game for three months. Finally XXXX/XXXX/2016 after my friend gave me 20 % down and he came to the bank to get the bank letter he said he needs to send this to underwriter and they will send an approval letter and we will close the next day. On XXXX/XXXX/2016 I insist for him to give me an answer since we were close to XXXX weekend and the schools were opening we still had no house to go to, my daughter did not know where she would go for school, I was living in boxes since the week before the original date of closing ( XXXX/XXXX/2016 ) and I ended up paying double to continue staying in my apartments after I ended my lease. It was the most terrifying experience to buy a house with this lender, for me and my children. Everyday I was under the belief that we are getting the approval the next day for three months. Finally XXXX/XXXX/2016 he wrote a I am sorry letter and that the underwriters only approve me for {$180000.00}. He said in that letter that the underwriters did not accept the child support income for the loan. This information and all my information were clear from the beginning and he admit at some point and apologized for letting me to believe I was approved when I was n't for the loan. I am a single mother of XXXX children. I lost the property and even though I found another lender the same day and they approved me in three days this interaction with mortgage solution made me lose a lot of money ( the appraisal, penalty of staying longer in the apartments and paying double for each day ) and the lender was completely aware of my family situation and the stress of not knowing where we should live. The lender was well aware of us having to walk through the house and we were all ready to move in. The seller did not agree with extending the contract with the new lender and we ended up losing the house. 

I have all of these documentations and If I can provide more information please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act conversion XXXX XXXX XXXX XXXX {$610.00} ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, XXXX XXXX XXXX # : XXXX {$490.00} ( XXXX ), XXXX XXXX Account # : XXXX {$0.00} ( XXXX ), DEPT OF ED / XXXX- Account # : XXXX {$4100.00} ( XXXX ), XXXX XXXX XXXXXXXXXXXX XXXX-Account # : XXXX {$1000.00} ( XXXX ), XXXX XXXX XXXX-Account XXXX XXXX XXXX {$560.00} ( XXXX XXXX ), XXXX XXXX XXXXAccount # : XXXX {$6200.00} XXXX XXXX, XXXX ), XXXX XXXX XXXX-Account # : XXXX {$250.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account # XXXX $ XXXX ( XXXX XXXX XXXX 15 usc 1681 section 602 A states I have the right to privacy. 
15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Va XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ CFPB ] [ Credit Reporting Agency Subject : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccuracies in my credit report concerning accounts reported by the Department of Education and XXXX XXXX. I believe these accounts contain errors that do not accurately reflect my financial status. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX - Account Number : XXXX - Status : Open - Account Type : Education - Balance : {$12000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Open - Account Type : Education - Balance : {$910.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Closed - Account Type : Education - Balance : {$2600.00} - Date Opened : XX/XX/XXXX I am disputing these accounts under Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. Upon reviewing my records, I have identified discrepancies that require correction.

I kindly request that you conduct a thorough investigation into this matter and provide me with the results as well as a copy of my updated credit report once corrections have been made. Enclosed are copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX RETAIL Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I submitted paperwork for my account to be reviewed because they marked several payments as " not received '' or " not eligible. '' I sent bank statements, etc. that showed I did pay during those certain marks. I submitted that XX/XX/XXXX. It is now XX/XX/XXXX with NO review finished, no updated, etc. I have contacted them several times and each time they say " it takes a long time to process. '' No determined date that it will be done or further information.
Product: Debt collection

Requested Debt Validation letter from LVNV Funding regarding two accounts on my credit report and and did not receive a response
Product: Vehicle loan or lease

My car title was paid off on XX/XX/XXXX. At this same unfortunate time, Gateway One XXXX was sold off to Santander at this time. Since XX/XX/XXXX, I have called over 30 times. Santander did not process, even though I received the payoff letter from XXXX. Because of this, I'm unable to get a customer service person on the phone, as they have haven't put my social security in or given me a customer #, which is needed to speak to someone regarding this. 
I'm also unable to go to " get My Title '' website to obtain, because nothing was put in by Santander. 
This is my last recourse, as I'm needing to sell this car. Thank you for any help.
Product: Debt collection

Ive worked with XXXX and National Credit Adjusters, the collection agency. It was paid in full XX/XX/2020 but remains on my credit as delinquent.
Product: Debt collection

Received notice that debt was owed by me without validating the debt. This company is in violation of the FCRA reporting standards.
Product: Debt collection

CCS Collections Agency trying to collect a debt already paid. XXXX XXXX XXXX XXXX XXXX  for auto insurance payment I purchased on XX/XX/2021 at auto dealer. I paid {$240.00} and I sent a email to XXXX XXXX cancelling the policy XXXX XXXX, on XX/XX/2021. I want validation of this debt. Also CCS Collections is violating my rights 15 U.S. Code 1681a ( 2 ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.

15 USC 1681a ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.-The term " credit or insurance transaction that is not initiated by the consumer '' does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of- ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.
Product: Debt collection

Sunrise credit Service - XXXX - is reporting on my credit and attempting to collect a debt that I had already paid and settled with XXXX XXXX XXXX.. They threatened and forced me to pay again so I have contacted my attorney regarding their tactics.
Product: Credit reporting

It is equifax and they wo n't let me. When ask the identifying questions, they show XXXX items including a mortgage and XXXX credit cards, none of which are mine. Then they wo n't let me go any further. They also have an incorrect address for me on XXXX XXXX XXXX, in Mississippi. Which they wo n't take off
Product: Debt collection

I have been a victim of identity theft, mainly by an unknown person in the XXXX area. This has been going on for FIVE years now. She applied for an apartment at XXXX XXXX XXXX XXXXXX/XX/2023. Somehow her application fees hit my credit report even though my credit is frozen so there is no way this application was able to be processed in my name and why the apartment failed collect her app fees up front. Furthermore, why did they pin her application fees to my social security number given by her when she couldnt unfreeze my credit for then to properly process. Negligent. Red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used deceptive sales practices to coerce a purchase from me of a timeshare membership. It was NOT Real Estate. It was a membership to use vacation facilities. I approached XXXX with a formal legal contract dispute and affidavit placing the membership under dispute and asking for the contract to be nullified due to verbal misrepresentation and material devaluing. XXXX did cancel the timeshare but under the rules of the Fair Credit Reporting Act, they illegally damaged our credit on Experian. Instead of marking the account disputed or erasing the fraudulently induced purchase from our record completely, they have marked the account as volunteer surrender which has astronomically lowered our score and we have been unable to qualify for a home loan. We have approached XXXX and they have refused to change it. We went through the legal credit dispute process with Experian, but they refuse to investigate our concerns appropriately or thoroughly and instead they sided with XXXX verification and left the derogatory marks on our credit reports.
Product: Credit reporting or other personal consumer reports

I have attached a letter to Experian about an account that has not been properly investigated according to the FCRA. I am aware that Experian has been sued for not properly investigating disputes within 30 days. I want to be sure that my credit report has been fairly investigated according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I challenged Equifax to remove the credit fraud alert off of my credit report, then, they requested an ID and check stub, I sent them this and THEY STILL did not remove the credit fraud alert, however the competitor XXXX had no problems removing the fraud alert with the very same documents. So, this tells me that Equifax is perpetually trying to frustrate me based on racism. Let it be known that I will not tolerate this kind of treatment and incompetence. I 'm demanding that EQUIFAX REMOVE the fraud alert from my credit report. This is causing me to not achieve the American Dream and I will fight dearly for it. You ARE BEING WARNED to remove this fraud alert from any credit reporting AT ONCE!
Product: Debt collection

Medical procedure was paid for by XXXX/XXXX back in XX/XX/XXXX. In XX/XX/XXXX, 5 years post-procedure, we rec 'd letter from debt collector Receivable Management Services Corp., asking us to reimburse XXXX/XXXX for the cost of the procedure ( XXXX ). We wrote them a letter to cease and desist, due to the time elapsed since the procedure, and that it was paid by XXXX/XXXX originally. Seems odd that this is now happening 5 years after XXXX/XXXX paid for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the consumer reporting agencies, XXXX Equifax and XXXX on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit reports. After 30 days with no response I then sent letters on XX/XX/2021 notifying each agency that they were required to notify me of their investigation results within 30 days but yet neither agency had provided me with updates or results.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I havent used this company name XXXXXXXX XXXX XXXXXXXX. My identity was stolen and was being used muiliple places
Product: Checking or savings account

I signed up for direct deposit with Chime and was referred by a friend they were supposed to get {$100.00}. I was supposed to get {$100.00} but they didnt tell me until like 30 days later that it had to be done within 45 days or I wouldnt get the referral. I get Social Security. You only get a check every 30 days, they say that it takes at least two cycles before you get the deposit so I got my deposit for the first time in 60 days. I have screenshots of talking with the person on chat that they would make an exception and I would get the XXXX dollars and so would my friend and now theyre saying no this is definitely a bait and switch, scam or whatever you want to call it. Customer service people have such a thick accent because they are not from here. You cant understand anything theyre saying and theyre very condescending. Whatever you do do not use Chime this is fair warning they will scam you
Product: Student loan

I am writing to bring to your attention some concerns I have regarding the terms of my student loans with XXXX XXXX XXXX. Upon reviewing the details of my loans, I noticed a variable interest rate ranging from 13 % to 15 %, which I find to be exceptionally high. 

I have three loans with the following details : XXXX XXXX, disbursed on XXXX XX/XX/XXXX, with a principal amount of {$24000.00}. An administration fee of {$1200.00} was charged for this loan, and an interest of {$110.00} was charged on XXXX XXXX. 
XXXX XXXX, disbursed on XXXX XX/XX/XXXX, with a principal amount of {$24000.00}. An administration fee of {$1200.00} was charged for this loan. 
XXXX XXXX, disbursed on XX/XX/XXXX with a principal amount of $ XXXX administration fee of {$1000.00} was charged for this loan. 

In XXXX, I made repayments totaling {$21000.00}, and my school refunded {$4600.00}, making the total repayment {$25000.00}. I have requested to close the first loan ( XXXX ), but the university has instead applied the payments to both loans, indicating that they are unable to close the first loan separately. This approach seems to prioritize profit through interest accumulation, which places an undue burden on students like myself. 

I kindly request that you investigate this matter and take appropriate action to address the handling of student loans. Your intervention in this matter would be greatly appreciated. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on Equifax and XXXX and needs to be removed as requested.