23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello i have been bullied and harassed income driven payment option with the option help me at all. I enter into i employee service loans was denied. now i was told to consoled =ate 1 loan that i been on for 25 years. The latest issue i was given a payment extension until XXXX on Friday XXXX XXXX. The next hour i was report 90 days late and my XXXX credit went from XXXX to losing XXXX points. I need to have my account updated and remove the 90 late charges off my XXXX credit report. I am asking the bureau to investigate these scratchy practices. We in recession and the only one is benefiting is this 9 % interest rate that Navient use to win. Income driven repayment payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
Product: Checking or savings account

I tried to purchase a product. The transaction used my debit card to pay for it. The seller never delivered the product and scammed me. I called the same evening to prevent the transaction from going through. I called the bank and XXXX and since it was my bank card XXXX said to pursue with bank. The bank continues to blame XXXX and say the debit card wasnt used. I have tried to call multiple times but the bank refuses to refund the amount of this scam. I have tried the XXXX  and the bank still refuses to make this right. They say the investigation was right however never did they ask for any information from myself about the transaction. That is a pretty one sided investigation when they dont ask for any evidence or information I have to support my case.
Product: Debt collection

They are reporting to the credit bureau on accounts that have been settled and they call me 7 days a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was a victim of identity theft and once I discovered this I immediate froze my account, filed a police report, and followed all of the necessary steps to rectify this problem. My account was compromised for some time without my knowledge with me being in the service. I am having a problem with XXXX/DSNB ( {$520.00} ) reporting to XXXX  that this account is mine and is showing to be negative. They say this account was open over 7 years ago and also showing a balance. I presented all of my documents to the credit bureaus and had this removed from XXXX and also XXXX, however XXXX XXXX is continuing to report to XXXX  which isn't fair. I have sent numerous letters and made over 20 phone calls, attempting to work with them and provided everything necessary to get this fraudulent account removed but to no avail. I have no choice but to come to you and ask for help for this is so wrong and I feel like they are bullying me. Please help me rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} CAPITAL ONE XXXX Balance : {$490.00} XXXX  XXXX XXXX XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Student loan

I graduated from trade school in the recession with a trade as a XXXX for the XXXX XXXX. As you know when the recession happened auto dealers were going out of business left and right. I spent the better part of five pluse years between jobs and unemployment. This put me behind on my student loans. Now I read about XXXX  and there dealings with you and all types of other articles about there ways of handling there borrowers. This concerns me as I have received several different phone calls from several different collections agencies and I dont rightfully know whom to trust in regards to setting up payments based upon what i have read. I need your guidance as to what my options are based upon your knowledge of XXXX.
Product: Credit card or prepaid card

I was trying to increase my credit limit with well Fargo and again it was denied twice due to that I have a fraudulent loan closed on my credit report and I told the credit services that I didnt apply for that loan but I paid it off anyways and I place a statement on my credit report but the credit agent said he didnt see it on his end but it saids that this loan that showing on my credit report is open by unauthorized person ... I would want well Fargo increase my credit limit due to I have a high balance that Im not responsible for and I send in some documents to the reconsidering dept and Im waiting on temporary credit but I havent received it just taking too long ... .but again my credit limit was denied due to that loan I have on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized and fraudulent inquiries on my credit report
Product: Checking or savings account

Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two different hard inquiries from Capital One in 2017 one in XX/XX/XXXX, and one in XX/XX/XXXX that I did not do. I do not have a Capital One card or any other services with Capital One. My husband contacted Capital One, because he had the same problem. We both let them know we did not want this done. This issue is not resolved. After the first inquiry then another one pops up months later.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment record on my accounts, account numbers : XXXX and XXXX, with DEPT ED XXXX According to my records, the payment in question was made on time, and I request a correction to reflect an accurate payment history. 

I have attached supporting documentation, including proof of payment, bank statements, and any correspondence regarding this payment. Based on this evidence, I kindly request that you investigate this matter and remove the late payment record from my account. 

I understand the importance of maintaining accurate financial records and believe that this late payment entry is incorrect. Please review my case at your earliest convenience and provide a written response confirming the outcome of your investigation. If necessary, I would appreciate any additional information you can provide regarding the reason for the late payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 has violated my rights. 

15 U.S.C.1681 section 602 A. States i havev 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. 

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Product: Checking or savings account

I e-deposited a Wells Fargo bank check of {$96.00} ( XXXX XXXX XXXX ) to my XXXX XXXX XXXX checking account on XXXX XXXX XXXX. The Wells Fargo bank claimed it was paid, but my bank never received, hence, it reflected as a returned item. Wells Fargo staff said I need to contact the check issuer who claimed it's the bank that didn't pay.
Product: Checking or savings account

I purchase a XXXX XXXX camera in the amount of {$1300.00} using PayPal to pay the seller on my debit card on XXXX XXXX and never received the item and PayPal refuse to help and closed my complaint case against the seller on three different times. The merchant is XXXX XXXX and his info is XXXX and transaction id XXXX. PayPal posted on there site consumer who use the site will have purchased protection but they do not stand by that is saying they are exactly the same as a scammer themselves and someone should put a stop to PayPal doing this to consumer. Thank You.
Product: Debt collection

I have examined my credit report and found multiple accounts that were added without my permission, which I believe are inaccurate. I request immediate action to block and remove these accounts.
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 XXXXXXXX Account # : XXXX Amount : {$170.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX ( formerly known as ) XXXX XXXX XXXX XXXX, dated XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is still incorrectly reporting my account with XXXX XXXX as closed at the grantor 's request. THE ACCOUNT IS STILL OPEN EXPERIAN! The company emailed me today stating that the account was updated and shows the latest status. EXPERIAN THIS ACCOUNT IS NOT CLOSED!!!!!!! SEE THE ATTACHED DOCUMENT! Your company did not properly investigate, nor did you verify the account with the original creditor as required by law!!
Product: Debt collection

We contacted Midland Credit Management to settle outstanding credit card debt, which they purchase for the original creditor. Midland Credit Management sent us settlement letters, with settlement amounts. We purchased cashier checks in the amount requested and returned copies of their settlement letters with checks in the amount of the agreed settlement payments via certified mail. 

A few weeks later we were contacted by Midland Credit Management who stated we would need to pay the settle amounts again, because payment was not received in a timely manner. 

In good faith we made payments as Midland Credit Management requested and still we continue to receive phone calls and letters. 

Midland Credit Management did not return the payments and is refusing to show the debt as paid to the credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be wrong activity. 
Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report that are reporting twice on my credit report. Credit Agencys such as XXXX XXXXXXXX and XXXX showing inaccurate information on my Equifax account. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Closed 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

TransUnion decided to change my social security number AND all personal information about me, to my twin sisters ssn, address etc, and now wants me to prove my identity when its there XXXX XXXX. Ive explained and verified my identity countless times and at this point this is literally hindering my life. Im homeless living with my grandmother because of the actions of TransUnion.
Product: Debt collection

In Fall of 2021, I went to a dentist. After insurance hit, I owed the dentist {$110.00}. The dentist sold my debt to Millennium Financial Group in OK. They inaccurately reported a debt of {$780.00}, and in XX/XX/XXXX, I saw this reported on my credit report. 

The debt collector inaccurately listed my charges in an effort to negatively impact my credit. When I called and tried to ask them about this, they hung up on me for false accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Checking or savings account

In XXXX of 2023, I had issues with my Skylight bank with fraudulent charges so I froze the account. When I tried to get a new card and gain access to my account again the bank would not allow me to say to prove my identity. I am XXXX  and currently experiencing XXXX  so I have been working with a case manager and a bank manager for counsel on this matter. I have tried calling Skylight Bank and was informed Netspend bought them, but my original account was through Skylight and I have not been sent any bank statements in the past few years. The last card number that I have for my account is XXXX. After multiple phone calls with the assistance of many people such as my case manager, the bank manager, and Services for the XXXX and XXXX of XXXX  there was no progress in accessing my account. I have over {$2000.00} saved in that account as my direct deposit from Social Security income had previously been deposited there. I even sent a letter to Net Spend with my previous card number, my current ID, my expired ID ( both copies signed and dated ), and information for transferring funds into my current account. The company sent my letter back and did not accept it as a form of identification. I then traveled to Florida in XXXX of 2023 to try to resolve the issue because that's where I originally opened my account but I had no luck there as well and was instructed to go to Texas. I do not think I should have had to travel out of state to access my funds. If needed I can provide documents that I have mailed through fax to process my complaint.