23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.
Product: Checking or savings account

After I made two mobile deposits to cover my rent, Wells Fargo deemed both checks counterfeit, without even processing either, and only eighteen hours later. The next day, WF informed me my account would soon be closed because of this event. After numerous calls by me, WF back-pedaled and held one for processing ( both checks were nearly identical payroll checks from same source and dated a week apart ). That held check eventually cleared, proving they were guilty of hastily declaring a check ( s ) bogus. As a result of all this drama, WF charged me with numerous {$35.00} insufficient fund surcharges, and my landlord nearly evicted me.
Product: Credit reporting

Dear Experian,  Enclosed are report Number  of some  XXXX  reports. Each report has come to me with different information on them, not much being the same. I need for you to send me  XXXX  report with all the information it.   These reports have to be made whole concerning the information it contain. Each person in the  XXXX  should only have  XXXX   XXXX   XXXX . And it should detail the same information do n't who request a copy.   Report Numbers :  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX  I have been at this for the pass  XXXX  (  XXXX   )  months requesting Experian to correct the problem. Nothing has been done to correct it.   I have sent in copies of my ID 's, utilities bills, still you continue to disseminate to those requesting credit reports, incorrect information.   Enclosed are original   Reports, highlighted to show sensitive areas.
Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, XXXX, XXXX and TransUnion as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted a dispute regarding inaccuracies found in my credit report to XXXX, XXXX and TransUnion, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me. 

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I graduated from XXXX  XXXX University in 2012. A few years after graduating, I was informed that the tuition balance owed ( {$1600.00} ) would be dismissed as a result of a lawsuit filed by the Department of Education. Soon after the notification, the debt was removed from all three of my credit bureau reports. XXXX  XXXX University Online then dismissed the debt and soon after emailed me my college degree ( please see link below ). 

Please review link below : XXXX XXXX XXXX? XXXX The debt was recently picked up by Sequim Asset Solutions Collections Agency who added it back on to my credit reports. I've spoken to them on several occasions explaining to them that the debt is not only a debt that was dismissed, but it is an 8 year old debt, but have gotten no results. They have recently added this old and dismissed debt to all three of my credit reports. I'm writing to file a complaint with this collection agency as well as to have that debt removed from all three of my credit reports. Sequim Asset Solutions telephone number is : XXXX. Their address is : XXXX XXXX XXXX, # XXXX XXXX, Ga XXXX. Thank you in advance.
Product: Mortgage

SPS and Its investors Dear Leader, Our Mortgage is serviced on your behalf by SPS. You recently decided that not only impact us but thousands of your mortgage holders. You changed the policy of how you handle the escrow portion of our account and called added a pre pay option which caused our mortgage to jump an additional {$700.00} per month starting in XX/XX/XXXX. 

Its important that you understand that this can cause massive foreclosures as Senior Citizens such as us can not budget for this type of an increase. You must understand that the decisions you make behind closed doors do impact real people. When investors invest in homes and homeowners you have to ensure that you set us up for success. 
As I look at the investors that are listed here and own our mortgage, I must also be reminded of XXXX when Big Banks such as yourselves received a massive bailout. However, you make decisions like this to force more homes into the market by foreclose. 
We are asking that we have 36 months to pay off this escrow balance to reduce the {$700.00} extra that has been added to our mortgage payment. 
We have enclosed paperwork to show what we have received from SPS. We are willing to take what should be a private issue very public to prove what is happening behind the scenes to ordinary homeowners such as ourselves. 
You are the decision makers that can help us. Help us. 

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

This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Equifax credit report immediately. U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit card

I have called the company to attempt a resolution to the credit error that occurred XX/XX/2023 in the amount of {$41.00}.
Product: Credit card

XX/XX/year> purchased a brand new generator for {$1500.00} Approximately XX/XX/year> generator arrived with clear shipping damage, tested generator same day and contacted reseller They refused refunding or replacing citing the generator was powered on despite it not arriving originally in the condition purchased, offered only {$150.00} as credit. This resolution was not acceptable and advised against by manufacturer approved service centers local to me ; who advised that the generator part that was damaged can create a safety risk in operating it and reseller should be able to fix/replace regardless of use.

Opened credit card dispute around XX/XX/year> after still getting an unsatisfactory resolution with Paypal dispute. Paypal policy for refund requires return shipping, received quotes for {$1200.00} to ship generator which makes this unfeasible.

Approximately XX/XX/year> got notification of digital letter from credit card company and noticed reverse charge {$1500.00}. The portal to manage the credit card does not allow digital letters to be viewed as it has not been implemented yet by Paypal. Spoke with credit card customer service who advised a paper copy should also be coming shortly and asked for reasoning of dispute being cancelled. Rep cited that the seller showed proof the generator was sent to us, I advised that the dispute was not for none receipt but for damaged product being sent. Rep apologized and advised to reopen dispute and advised they will make the reasoning more explicit.

Approximately XX/XX/year> dispute was closed again, spoke with customer service rep who advised they can not speak about the reasoning and I should be receiving a paper copy. I advised that I have yet to receive any paper/mailed information of the first dispute cancellation. They advised to be patient and it will arrive for both eventually.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Experian RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance was {$270.00} date XXXX XX/XX/XXXX account number is XXXX This account was paid off from XXXX XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX the Removal date XX/XX/XXXX I never applied for a loan with them Capital One date open XX/XX/XXXX this account was paid off {$600.00} and still on my credit report account number is XXXX XXXX account number XXXX this account was paid off {$400.00} CXXXX XXXX XXXX Open date is XX/XX/XXXX Account number is XXXX this account was paid off {$500.00} XXXX XXXX I never opened and account with these people Open date was XX/XX/XXXX account number XXXX
Product: Student loan

I was part of a large lawsuit against XXXX XXXX XXXX XXXX for fraud. They basically did not provide the services needed to employ graduates after graduation and they inflated job numbers. We won in regards to our Federal Loans but private lenders are sending mass denials for the same information provided.
Product: Credit card or prepaid card

I rented a car today on XX/XX/2021 and three weeks later, my bank falsely charge me twice that same day and tried to blame the Merchant, but, I contacted the merchant and we both submitted proof of my transactions and they just refuse to accept. Now my credit has been lowered and I've suffered mental anguish trying to fight this injustice ... And damage done wrongly to my credit which is my life. Chime is the bank I now wan na sue.. They are scamming theives, Stealing constantly little two 's and fews from the poor, why they get richer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXX/XX/2022
Product: Payday loan, title loan, or personal loan

i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to  XXXX   XXXX  since I am moving on  XXXX   XXXX   XXXX  the vehicle needed to be registered with the port to be ready for Transport on  XXXX / XXXX /  XXXX  . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on  XXXX / XXXX /  XXXX  . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till  XXXX / XXXX /  XXXX  . That would be a Sunday so I would have to give motor vehicle  XXXX  to  XXXX  hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over  XXXX   XXXX  dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with  XXXX  young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in  XXXX   XXXX  all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at  Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in  XXXX , even thought the balance is zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my balance, with the agreement XXXX XXXX XXXX would report to all credit bureau. They report to only one. The account was resolved. They promise they would report, I'm unable to obtain credit because they failed to report to all credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, Equifax and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXEquifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Prepaid card

I have tried to use this prepaid card that I got as a gift at multiple retailers. It keeps getting declined. On the website for this prepaid card, it states you can use it anywhere Amex is accepted but this is wholly false. I can not spend this money anywhere that I want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these inquiries listed on my credit report when I checked. 
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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX  - XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, CITIZENS BANK add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion on XX/XX/2020 and still have not heard anything back. While I understand that we have a pandemic going on the laws haven't changed and this is affecting my life. 

1. Transunion is reporting multiple errors on my report including : Account XXXX XXXX XXXX XXXXA XXXX is reporting the wrong balance 2. Transunion is reporting that XXXX XXXX XXXX XXXX owns this account but XXXX  is reporting this account is owned by XXXX XXXX XXXX. This is a direct violation. 2 companies reporting the same account and both with a balance. 
3. XXXX XXXX XXXX XXXX XXXX is a collection account reporting a balance which is a violation. 
4. The account numbers for this account is reporting as XXXX on TRANSUNION and reporting as XXXX-XXXXXXXXXX on XXXX. 

These are all violation and shows complete disrespect for my livelihood and total neglect in ensuring my report is accurate.
Product: Student loan

I have a dispute comment on my credit report : Delinquency past due account ( note on credit report ) I have contacted the agency to have remove this from credit because I have make s payments and the account is in good standing.