23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I took an online course and affirm is the third party loan comp. The loan was around XXXX and the interest accrues daily and comes out to almost XXXX to pay off in 36 months. XXXX a month The online course did not follow policy ( sixty day cancellation ) and affirm took there side even though I was told that if the merchant is not following policy that they would help but did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Trans Union, as directed by their website, many times in an effort to receive assistance in filing a dispute. I am unable to file disputes online and am directed to call them for asssitance. 
When I call, I am lectured, harassed, and mistreated, with no signs or hope of progress. 
I now have to call from a different number because they have blocked one of my phone numbers.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX pm capitol one venture card representative after holding for an hour i was able to speak to XXXX XXXX whom seem to get upset when i mentioned i had been on hold for and hour and wanted to get my issue resolved quickly. instead she placed me on hold and then looped my call so i had to start the process over again. i feel this was done due to my last name being XXXX. 2 hours later still no answer
Product: Debt collection

I filed a complaint with the XXXX XXXX XXXX concerning XXXX XXXX XXXX in XX/XX/XXXX. I was summoned to court by XXXX XXXX  concerning possession of the property during the COVID-19 pandemic in XXXX & XX/XX/XXXX. And, all both times I was given a continuance until I provided XXXX XXXX with their keys in XX/XX/XXXX. So, prior to this I obtained a new lease with XXXX XXXX XXXX XXXX after XXXX XXXX  mailed me a notice in XX/XX/XXXX for {$6000.00}?! I looked at the notice it said the property had a screens on the windows that had to be replaced. They said the property had furniture left in the home that they would have to remove ( glass artificial flower pot, four XXXX tires, and a water hose in the garage ), therefore I was incapable of receiving my security deposit. I insisted on doing all I could to make regular payments even though were late because I assumed they were willing to work with me because of the COVID-19 pandemic, and the emails they gave me in reference to financial assistance! So, I mailed them bank personal checks, and they mailed them back stating they do not except personal checks! I was almost ready to call them when I received court papers about other reasons unrelated to the pandemic that I was getting evicted. So, basically I was getting evicted because I got married in the home due to the pandemic which was strange. To make a long story short along the month of XX/XX/XXXX to XX/XX/XXXX I received phone calls from Hunter Warfield impersonating XXXX XXXX, then telling me that I still have debt owed to a personal owner of the property under XXXX XXXX. Im still continuing to get harassed over the amount XXXX XXXX wants me to pay them, prior to only wanting possession of there property.
Product: Checking or savings account

My two bank accounts ( XXXXXXXX XXXX  XXXX XXXX ) and my three credit ( XXXX XXXX/Capital One/Capital One -Walmart ). Giving me a VERY HARD TIME WHEN I'D DISPUTE ITEMS. RARELY WAS I REFUNDED. THERE HAS BEEN FRAUDULENT AND/OR UNAUTHORIZED CHARGES ON ALL FIVE OF MY FINANCIAL ACCOUNTS THAT JUST HAVEN'T BEEN INVESTIGATED AS I'D REQUESTED OR THESE CHARGES REAPPEAR AND OR CAUSE MY ACCOUNT TO BE OVERDRAWN AND OR USE MOST OF MY SSI/XXXX XXXXXXXX INCOME AND LEAVES ME UNABLE TO PAY MY MONTHLY BILLS AND TAKE BASIC CARE OF MYSELF. MOST IF NOT ALL OF MY ACCOUNTS ARE SEVERALLY DAMAGED RIGHT NOW! I'M REQUIRED TO CLOSE DEBIT CARDS WHEN THE BANK KNOWS I HAVE BILLS ETC. MY MONEY IS NOT BEING REFUNDED PROPERLY AND IM NOW SEVERALLY IN DEBT AS OF XX/XX/22. I'M REQUESTING ASSISTANCE IN INVESTIGATING THE ACTIVITY ON MY ACCOUNTS, ESPECIALLY SUSPICIOUS ACTIVITY. THANK YOU. CALL ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( 6 mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are still being reported to the credit bureau i have been on time for months
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 : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : 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 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 or other personal consumer reports

I had a Discover card account from XXXX XXXX XXXX  which coincided with my time in XXXX. Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Discover to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX ACCOUNT ENDING IN XXXX IS REPORTED ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Product: Checking or savings account

On XXXX we found that one of our debt cards had been used without our authorization using XXXX. They used the card multiple times and debited 2000 dollars over the coarse of 2 day.. We never received ANY communication from US bank XXXX about these charges. even though they were made in another states all to the same person. 
I called the fraud line and visited the local branch to report the fraud and close the card down... 
AT THIS TIME both the Bank Manager and fraud advisor we told NOT TO REVERSE A XXXX payment. 
ON XXXX they indeed put a hold on the XXXX payment. ( no communication with us about any changes ). 
We have called and visited the local branches left XXXX messages for someone with in the Fraud department that can do more that a call center to return a call... 
The money still is held and we are unable to communicate with a person that can release the funds. 
We are not having issues with the XXXX party that was to receive that payment all because the clams advisor will not return our call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incompetent customer service representative with credentials parallel to XXXX XXXXs drive thru employee, XXXX EMPLOYEE ID XXXX, kept me on phone for over 5 hours " disputing info ''. He recommended that I cancel certain disputes and that certain credit reporting agencies are reporting on Equifax, because they submitted a fraud alert. For example XXXX XXXX which never appeared on credit report at any point is now displaying, XXXX  XXXX, which on XX/XX/XXXX was deleted and never appeared on report on XX/XX/XXXX called and confirmed did not appear yet XX/XX/XXXX it displayed according to incompetent XXXX XXXX. He stated he was putting in notes that he personally recommended and cancelled recent dispute but never did. He also stated he was putting down that he recommended the changes for redispute. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   were not on report for months all of a sudden they appear yesterday. Incompetent XXXX stated he was disputing this that XXXX and XXXX deleted all of this. After his hunger got to him and his overweight tendencies as well as his idiotic demeanor kicked in he disconnected call because he was between rock and hard place. He admitted he did not do his job. Equifax does not serve the consumer. Equifax, armed with moronic employees like XXXX waste time and XXXX consumers. 



YOUR SYSTEM WONT LET ME ENTEE LAST 4 OF SOCIAL BECAUSE XXXX XXXX ATTEMPTING TO. MAKE IT MORE DIFFICULT FOR CONSUMER TO DISPUTE!! 

LAST 4 IS XXXX CASE NUMBER FROM EQUIFAX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for  {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX   XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX  to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to XXXX XXXX about these inquiries but they are ignoring my request to delete the inquiries.
Product: Payday loan, title loan, or personal loan

Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Student loan

I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely paid off and closed my XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX account. It is still showing up as three separate accounts on my credit. Two of the accounts say they have been paid and closed with {$0.00} owed. Today ( XX/XX/22 ) I checked my credit & it decreased XXXX points due to inaccurate reporting from XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX saying I owed a total of {$5300.00}. I have documentation to show proof of innacurate information. Reporting information that is inaccurate or not reported correctly violates the Fair Credit Reporting Act. It has led to financial injury and mental distress. I have contacted them almost 5 times without receiving any type of resolution or remedy for these violations.
Product: Credit card

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I signed a check to XXXX when married to my ex that was military.. When we separated he changed bank accounts which we caused the check to bounce and I am being held responsible. They told me because it was federal that there was a lean against my as number and that they could take the money at any time.. I tried to set up payments and at first there would only accept XXXX dollars a month.. I only get XXXX a month ssi so that was hard for me I tried to get them to lower it to XXXX or XXXX but they said they could n't accept less then XXXX which barely covered finance charges.. I did n't think they could charge this on a check. So I do n't know what to do.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the XXXX XXXX XXXX XXXX XXXX  ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately.
Product: Checking or savings account

On XX/XX/year>, I was surprised to receive a notification from US Bank informing me that my checking account ending in XXXX would be closed. The notification provided no specific reason for this decision, leaving me deeply concerned and confused about the status of my account and funds as I am not able to transfer them out. 

I immediately contacted US Bank 's customer service to seek clarification and understand the rationale behind the account closure. However, despite multiple inquiries and discussions with different representatives, I have not received a clear explanation or justification for this action. My local branch was also unaware of the account closure and could not provide any additional information or assistance in resolving the issue.