23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I received an email from Barclays stating that my credit line was dropped. I have been a loyal customer for over 20 years. My credit line was increased due to loyalty a few years ago.First, this was not a 45 day notice ( payment is due on XXXX of the month ) Second, I have not missed a payment and have always been on time. I am a XXXX XXXX living on social security, trying to get by in these difficult times! I never thought I would use a credit card to buy food and help get by to pay insurance, and other necessities. I dont how I will survive in the next few months, which has me scared. I knew I had a backup! Then on XX/XX/XXXX, I received their letter saying my credit line was dropped due to report from XXXX XXXX with credit score of XXXX. I absolutely dont know what to do! You realize what difficult times we live in. Im praying for a miracle but frightened now and dont know where to turn. Please help me, I beg you, give me a little reassurance please. Thank you for your time.
Product: Student loan

Ive tried to change the date of payment for my parent plus loan several times. I called 5 times and have emailed four times and have not gotten through to anyone. Its created excessive financial burden on me and my family because this terrible loan servicer has zero customer service.
Product: Student loan

In XX/XX/XXXX I applied for a renewal of an Income Driven Repayment and my loan was in forbearance at the time. I was told no payments were due. Then in late XXXX a notice was sent out that I was unaware of that said a payment, under XXXX was due. I was contacted in XXXX and immediately paid the amount. At that time I submitted to have consideration for excessive loan debt. I was told that I was approved and would not have a payment until XXXX. This was spoken over the phone. The representative however, did not follow through on that information and I am back at square one. I have 4 groups of loans and only one group does not qualify. I am a retired XXXX veteran. Please help. Nelnet wants over XXXX dollars a month which I can not pay. I was forgiven half the loan with Nelnet in XXXX, for unemployment and XXXX XXXX and then the full amount was restored when my retirement started in XXXX. I keep getting different responses from Nelnet and now they are not removing the XXXX requirement to pay in XXXX even though I have submitted all the paperwork for a 3rd time.
Product: Money transfer, virtual currency, or money service

I have contacted the merchant and pay pal with supporting photographs of receiving WRONG product. This has not been resolved since XX/XX/XXXX, Pay pal representative, XXXX, directed me to return product to address on XXXX XXXX. 

To further upload tracking and receipt to PayPal.com/Il/uploaddoc I called to follow up and representative told me i had to wait for an email correspondence and was unhelpful in assisting my resolution of a three week open case for a product refund that I DID NOT ORDER
Product: Debt collection

XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2022 in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.
Product: Credit reporting or other personal consumer reports

This account is currently opened and payed always on time. Account has never been late
Product: Student loan

I went to XXXX for my personal training. My teachers for my classes were constantly switched, moved around etc. I did not receive what I signed up for at this college. I have been forced to find education within the body of my employer due to the college not teaching me.
Product: Credit card or prepaid card

My credit card shows 2 charges from well know scammers, phone XXXX XXXX XXXX. Each charge was in the value of US {$52.00}. I want Citi Card to cancel these charges, but to do this, they want to cancel my card and issue a new one. I called their number, XXXX XXXX XXXX XXXX on the XXXX XX/XX/2022, XXXX AM. The problem is that changing one 's card involves changing tens of automatic pays, which is a nightmare. It is Citi Card 's fault if they allowed know scammers to charge my card, they should fix the problem without causing me headaches.
Product: Debt collection

The debt of interest was incurred fraudulently under my name by my ex-wife during our divorce in XX/XX/XXXX. It was not until XX/XX/XXXX ( post divorce ) that I had learned that a loan was taken out in my name because of the steep decline to my credit score. I confirmed it was my ex-wife, XXXX XXXX XXXX, with the originating lender, XXXX XXXX. Despite the loan had been open for 8 months and no payments had been made, I had never been contacted by the company. I immediately reached out to the company to inquire about this loan and how to access the information, as I had no idea how to even login since I did not originate the loan myself. XXXX XXXX gave me instructions to login consisting of ONLY a temporary password and would not divulge the username/email for security purposes. I had attempted using my email, but to no avail. I then attempted to login with the temporary password and XXXX XXXX 's email, and I was successfully logged in ( see attached screenshot )! It had her personal email and phone number on the account, explaining why I was never contacted and verifying that she had fraudulently taken out this loan in my name - WITHOUT MY PERMISSION. so I promptly filed a police report XX/XX/XXXX ( see attached copy of report ). The investigator later called me and informed me that they could not press charges on XXXX because we were technically married, even though we were in the midst of a divorce and it was against the court orders to take out new loans/debt during that period. Moreover, XXXX paid off her own debts with this loan, abdicating her from any debt whatsoever from the divorce... Fraudulently leaving me liable for everything. I had filled notices with the credit bureaus and filed a case with XXXX. 

I followed up with XXXX XXXX on the matter and their ID theft/fraud division never responded to my requests to investigate the validity of this loan. Despite my efforts with XXXX and sending formal notices/requests, I did not receive information back from the company. I later made multiple dispute attempts with the credit bureaus and even hired XXXX XXXX XXXX to assist with removing the item from my credit. XXXX actually removed this from my credit, while XXXX and XXXX still have conflicting information on the debt ( XXXX XXXX vs. Oliphant ). Later in family court litigation, she called my attorney on the phone. The loan issue came up and said she promised to repay it ( this was recorded with XXXX XXXX with XXXX XXXX XXXX ). 

I recently learned of Oliphant filing a civil case against me in XXXX XXXX, Texas. I received one phone call from them explaining all of this information within the last 12 months ( approximately ) and was informed by the caller she would remove me from their call list altogether after the information I provided. I have not received any other form of communication from Oliphant, and have begun a new XXXX case.
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 XXXXXXXX XXXX XXXX XXXX automated XXXX XXXXXXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card or prepaid card

Just received your answer with reference to complaint XXXX submitted on XX/XX/XXXX, however this Synchrony Bank did not respond correctly to the disputed item here that is still showing in my account. An item that was delivered - Door covering that was not installed at all. The amount of the item is {$660.00} and its still showing in my account and needs to be credited as I do not have this item. 
Synchrony bank received all my documents and this amount is not my possession of which the merchant refused to install in XX/XX/XXXX and with all the issues that the merchant- Lowes has put me thru, I have the right NOT to purchase this covering anymore. Lowes refused installation from XX/XX/XXXX. All letters and documents has been provided with Synchrony and they have never responded to this amount on dispute. Synchrony Bank needs to credit item that was not receive at all or not in my possession. 

The merchant-Lowes sent an incorrect window covering and refused to acknowledge the fact that they committed a mistake and insist that I enter into agreement. An agreement that never stated that even if you receive a wrong item, you as a customer will pay for it. The amount of this item is {$500.00}. Both these amount are still showing in my account. 
{$500.00} - Incorrect Item {$660.00} - Item that was NOT Delivered
Product: Money transfer, virtual currency, or money service

On XXXX XXXX around XXXX XXXX, I wired {$20000.00} to XXXX ( Subsidiary of XXXX ) from my bank account at XXXX XXXX XXXX XXXX. Their website clearly states that wire transfers will be posted the same day if done before XXXX XXXX, and the next day if received after XXXX. I confirmed with their bank that my wire transfer was received and deposited with Coinbase within 30 minutes of being sent. 

I have sent literally hundreds of emails asking where my money is, and have only gotten a couple auto-replies, essentially stating that my case is being reviewed. The couple times I 've had the 4-plus hours to wait on hold to speak with a human being, I was told that phone support can not help with deposit issues. 

It 's been over 6 weeks with NO specific updates or acknowledgement. This is absolutely rediculous. 

XXXX # XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Ref # XXXX
Product: Credit reporting or other personal consumer reports

Returned my car which was a lease. I allowed for XXXX inquiry with XXXX XXXX to purchase another car and they without permission ran my credit to multiple vendors. I consequently left there and didn't purchase a vehicle due to them running it without my permission. Those inquiries affected my rate when I did purchase another vehicle XXXX days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an annual fee charged on a capital one credit card that we never use. We were not notified of the balance. There was no calls or mail. When we called capital one they refused to help. We paid the balance in full including late fees. When I asked customer service if anything was sent to us he said there were emails sent. We have no record of that. We have an outstanding payment history and feel this should be removed due to lack of communication.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the Equifax data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the Equifax data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the Equifax data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or XXXX, as they may be reporting accounts that were included in the Equifax credit report. 

I want to emphasize that my information was sold and bought illegally due to the Equifax data breach, as confirmed by Equifax themselves. I am attaching proof of Equifax 's acknowledgment of my victimization in this data breach. Despite this admission, Equifax has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the Equifax credit reports for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.
Product: Credit reporting

XXXX XXXX closed account over 7 years old. 
Need to be removed
Product: Student loan

I have been paying on my parent plus loan since XXXX. My son graduated from college on XX/XX/XXXX, and did not attend college since. I have also not attended college since he graduated. I believe there is a miscalculation of the one time IDR account adjustment to my account. When I contacted my servicer, Ed Financial, they were not informed about the one time account adjustment and eventually figured out I had XXXX  payments in the national database toward the 300 necessary for current IDR forgiveness. After speaking with the multiple representatives over countless hours multiple inquires into Ed Financial were made to see if this can be resolved. I was even called by one supervisor who said they were putting in an emergency request to resolve the issue. I am not sure where the XXXX  count is coming from because just the payments from XXXX when the loan was consolidated to present are XXXX. According to your Studentaid.gov website the one time account adjustment should go back on all loans to the first loans payment start day which was XXXX or if you go back to when my son graduated it was XX/XX/XXXX. As of today I still owe over {$18000.00} on this loan which received a second consolidation in XXXX of XXXX at {$47000.00}. The first consolidation was done in XXXX, according to my records. I have all payment records from XXXX, before the direct loan consolidation. The direct loan payments after consolidation were automatically deducted from checking. I have not missed one single payment, other than the Covid pause which according to studehtsid.gov should be counted. This XXXX will be XXXXyears of payments from my sons graduation or XXXX payments which is more than enough for loan forgiveness. Most of my phone calls to Edfinacial were answered by misguided representatives that were unaware of the rules for the onetime account adjustment. I was told on multiple calls that this was for Public Servents only, which is not true. I was told the one time account adjustment was for loans in IDR, which is not true. According to student aid.gov the one time account adjustment is for all federal student loans consolidated by XX/XX/XXXX. EdFinancial informed me prior to a XX/XX/XXXX conversation with their representative that my loan underwent the one time account adjustment in XXXX of XXXX. Since that conversation I have spoken to multiple leadership team members and managers who keep telling me they need to look into it and will get back in touch, but never follow through. I truly believe at this point EDfinancial has no idea what they are supposed to be doing with the account adjustment, and do not intend to rectify the matter so they can continue to profit off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with capital one. I do not have a contract with capital one. They did not provide me with the original contract as requested. 

I am not liable for this debt with XXXX  XXXX XXXX XXXX. I do not have a contract with capital one. They did not provide me with the original contract as requested.
Product: Debt collection

I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit Experian report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Product: Credit card or prepaid card

I am the beneficial owner of the credit account I have with Synchrony Bank ( CareCredit ) and my account was fraudulently closed without my permission upon exercising my rights under the Bill of Exchange act that states states the only way to pay a bill is with interests and 12 USC 1431 states Powers and Duties of Banks the first duty being to borrow and pay interest, I contacted this company about information on how to indorse the credit statement to remit back to this company for set off on behalf of the principal, and I was given false information by an agent on where to send this remittance and without contacting me at all my account has been closed, my negotiable instrument has been refused which is breach of contract arbitration is being filed with XXXX XXXX XXXX for the breach of contract I also fully am aware an account connected to my social security aka trust account can never be closed it is being used for investments with this company I will motion for a securitization audit for this account. I would also like to remind this company of the protection of my personal non public information under the Glamm Leach Bliley Act which also gives me the right to completely opt out of having my personal ( or any co signer ) information reported to ANY 3rd party this will be used as evidence in court if any negative items are reported to any 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information about the account on my report named XXXX despite having investigated this account three times and supposedly updating it each time. Instead of actually updating the account with accurate information all they did was change the " balance updated '' date. Reporting inaccurate and unverifiable information is a violation of my rights under the Fair Credit Reporting act. I request that Experian DELETE the account WEBBANK/FHUT for inaccurate reporting because the date last active is incorrect and has been re-aged. Experian shows the date last active as XX/XX/XXXX and XXXX lists it as XX/XX/XXXX. These are both drastically different dates. If Experian actually verified the account with the furnisher XXXX times as they claim, then why are both bureaus reporting such different dates? 

On XX/XX/XXXX I requested that Experian investigate this account because it was inaccurate. They responded to me online and updated the account on XX/XX/XXXX yet no changes seem to have been made except the " balance updated '' date. On XX/XX/XXXX I requested a reinvestigation of the account to ensure accuracy. They responded to me online and updated the account on XX/XX/XXXX. Again, it seemed as though nothing had changed except the " balance updated '' date. On XX/XX/XXXX I requested that they delete the account as another bureau ( XXXX ) was no longer reporting it. They responded online XX/XX/XXXX and again updated the account and changed the " balance updated '' date. Then, finally, on XX/XX/XXXX I again challenged the account stating that the date of last activity was incorrect and requested a deletion. Experian responded on XX/XX/XXXX by updating the account yet again. Nothing was changed except the " balance updated '' date. 

Obviously Experian made no effort either time to actually verify the accuracy of this account and all the details my report contained and instead sent a computer generated response. This is unfair and this inaccurate reporting is harming my credit rating.
Product: Checking or savings account

One XX/XX/XXXX at XXXX XXXX., I applied on-line for a {$150000.00} C.D. Within XXXX hour I called back to cancel the application. Call was dropped. A short time later I called back, person on the phone assured me that he would put in the request, but that I would not receive any confirmation, only that I could see the next day that the CD was not funded. So on XX/XX/XXXX I checked online and saw it was funded from my saving account and the CD issued. So I went to my local branch. The banker I talked to was able to get the CD voided, but needed the branch manager 's signature. She refused because I applied online. I went back home and called again but was told that I would hear something by Tuesday. Nothing came on Tuesday. I was unable to do it online. I was unable to do it at a branch office. 

On XX/XX/XXXX I cashed in the CD and was charged a penalty of $ XXXX