23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made every payment since I re-fied my student loan debt from XXXX XXXX to XXXX/XXXX. My current job has not be able to pay me this month, and I am currently in the process of trying to find another one. I called XXXX  ( the servicer ) trying to do anything, and was flat-out told no, that there is no help for me. I have tried to help by warning them I couldn't make the payment but they are unwilling to work with me. I have worked so hard to try to repay, and to raise my credit score, but all that is going to waste because they can't lose one payment. They don't care whether I starve or can't make rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and all the other credit report agencies are all reporting differently, inaccuracies on the credit reports for my accounts that was " included in bankrupty discharged '' / '' discharged in bankruptcy '' on XX/XX/XXXX. I have been receiving credit alerts on the credit monitoring and today alert for EQUIFAX stated that my some of my accounts that were included in my discharged bankruptcy has been flagged ( Z ) as included in bankruptcy and it states potentialy negative activity. That is inaccurate and I received Equifax and the others reports, Equifax investigation and still is reporting inaccuracies on my credit report that is hurting my credit score and violating rights and Section violating the Fair Credit Reporting Act under 15 U.S.C. 1681 ( 3 ) ( E ) ; Section 602A ; Section 604 A Section 2 ; 15 U.S.C. 1681s-2 ( A ) ( 1 ). They did not do a fair investigation, according to 15 U.S.C 1681 and I am demanding that the attached Dispute letter requests are accurately reported/updated as instructed and or removal ; and I am demanding monetary relief. Attached is the granted Order of Discharge Bankruptcy under 11 U.S.C. Section 727 on XX/XX/XXXX for proof on my end. Also, attached is the alerts, credit report of XXXX from Equifax, and if this is not done immediately I plan to contact my lawyer and take this to Court to pursue a lawsuit against me. Demand Equifax to Review dispute letter sent to them dated XX/XX/XXXX attached as well. Attached is proof of the accounts pics that were discharged in the bankruptcy, attached is the picture of credit monitoring flagged alerts from Equifax stating they flagged my accts as included in bankrupty and that is inaccurate, attached is the credit report from XX/XX/XXXX, and other proof docs in support of my complaint. 
The Accounts that were included in my discharged bankrupty by the US Bankruptcy Court - XXXX are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've requested for them to provide me proof from whatever vendor and it's name or lender/company that reported that XXXX had all the XXXX payments on or around that they listed under payment history/current late payments/current, stated if that can not be provided, remove off my credit report. One credit report reports the account cancelled by grantor/company and Equifax reports it as closed by grantor/company. That is still inaccurate as well. Unverified/no proof is granted to removal of the XXXX account immediately .

To add they won't allow me to call about my accounts on these and told me only to mail them because they're stating I can not use my ID and face verification that I used 3 times and went through again and have to mail them my social sec card and License. I already mailed them my License ID and a utility bill as all 3 credit bureaus state is allowed. I feel that they are treating me unfairly now due to these complaints and that is a violation as well. 

Thank You. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX
Product: Payday loan, title loan, or personal loan

I purchased a product from XXXX using the QuadPay service for payment, splitting the purchase into 4 payments. But this product turned out to be the wrong item. At the instruction of XXXX customer service, I refused delivery and the item was returned to them on XX/XX/XXXX. I purchased a replacement also using QuadPay and waited for a refund on my first order. 

A refund was issued on XX/XX/XXXX, after XXXX had processed the returned item. I notified QuadPay and received an email that I needed to wait 13 days for the system to then process my refund. 

For the first order, I was charged a payment of {$190.00} upon ordering the item. Despite notifying Quad Pay with email and photo evidence of my return and refund from XXXX, QuadPay continue to charge payments, {$190.00} on XX/XX/XXXX and another is scheduled for XX/XX/XXXX. 

Additionally, the replacement order turned out to be defective. I returned the item to XXXX and again, have submitted proof of this refund to Quad Pay and they refuse to stop charging payments despite having evidence that this order has been refunded. 
Charged {$180.00} upon ordering, and {$180.00} on XX/XX/XXXX with another payment scheduled for XX/XX/XXXX. 

They refuse to work with me to resolve this, citing that they need to wait for " the system ''. I understand the need to wait for the refund to be issued to my bank but continuing to charge my accounts for items I have returned weeks ago seems a bit much.
Product: Payday loan, title loan, or personal loan

Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been paid off and needs to be removed from my report ASAP so I am able to rent a home.
Product: Credit reporting or other personal consumer reports

For the continuation of circumventing CFPB platform to allude and defer my accountability. I have submitted the erroneous and fraudulent practices and malicious deviations from prescribed and mandated laws and statues, to the FTC, RESERVE BOARD, as well as Ill be in touch with SC attorney general, as well as the news networks as well. Ive tried beyond means to reach an amicable resolution as well as the cease and desist from illegal acts and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} XXXX, XXXX and Transunion fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.
Product: Checking or savings account

On XX/XX/XXXX I was told by 3 different people that the moment my return showed delivered to the merchant. That my case would be closed in my favor and {$260.00} would be put in my account. At XXXX the status finally showed delivered from a XXXX delivery time. I spoke with a supervisor and she told me that when the system updates that I'd have my money. That she has closed the case in my favor. Here it is XXXX on XX/XX/XXXX and still no case closed and no money. I am dealing with a family emergency right now and can not afford to be able to travel to where I need to go for work as well. I may never be able to see my son again and I'm stuck because yet again paypal can intentionally deceive people about their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with all three credit bureaus about this creditor on my credit report. They are reporting false and misleading information and causing my personal credit score to drop with the information they are providing this company needs to be deleted off of my report due to reporting inaccurate information and also opening the account back up when it's been closed for 3 years saying closed. On XX/XX/XXXXXX/XX/XXXX GO Financial opened up the old account and reported me 8 payments behind when the account was closed for three years. Please have this company delete all information that they are reporting all my credit bureaus I am asking for this company to be removed off of all three of my credit bureaus due to reporting inaccurate information. Since this information is being reported wrong on my three bureaus it needs to be deleted due to the Credit Reporting Fair Act. Also this account was closed in XX/XX/XXXX it is XX/XX/XXXX and they are still reporting inaccurate information please delete off of my bureaus thank you.
Product: Payday loan

Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.
Product: Payday loan, title loan, or personal loan

After being approved for the loan ( XXXX  $ ) I expected to be paying back around XXXX-XXXX  . However the company is charging me an APR of 776 %! When I saw that I thought even with my credit that can't be right. So I did some research and found that there are limits to how high you can set APR and that far exceeds the limits based on my state.
Product: Debt collection

Repeated calls from Balanced Healthcare Receivables , LLC to call them at   XXXX  . They were calling for   XXXX   XXXX  . Asked them to remove my number but I still get calls.
Product: Credit card or prepaid card

I have tried to report my card lost for the second time as it has not arrived in the mail. I have reached out to Aspire many times, but they refuse to mark my card lost and send a new one. To rub salt on the wound, they are demanding me make payments on my card although one has never been in my possession and I have reported it lost.
Product: Debt collection

I have no knowledge of this account, collection account may be related to breach of identity.
Product: Debt collection

I am not liable for this debt with ccs XXXXXXXX XXXX XXXX, I do not have a contract with ccs collections, they did not provide me me with original contract as requested.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/year>, I attempted to withdraw {$100.00} from my XXXX credit/debit card at a Wells Fargo Bank ATM at XXXX XXXX XXXX, XXXX, Georgia XXXX at XXXX. The cash was not dispensed, and I received a message saying that the cash had been withheld from the machine because the cash was not dispensed. I thought it might be a problem with my credit card so I attempted to withdraw {$300.00} from my checking account using my Wells Fargo debit card at XXXX. Again the cash did not dispense, and I received the same message that the money was being retained by the machine. When I checked the {$100.00} plus fees was deducted from my credit card and the {$300.00} was deducted from my checking account. I immediately called Wells Fargo ATM services and reported this and a claim was filed for the {$300.00}, but they said nothing could be done about the {$100.00}. I have yet to recover the {$100.00} and the {$300.00} has been temporarily credited to my account but not permanently.
Product: Credit card or prepaid card

Apple card closed my account for no reason at all. I have never been late or missed a payment. Their said I violated the user agreement but refused to tell me specifically what I violated. This is not fair to me. I want my account reinstated. When I called them they would not tell me what I violated and never returned my phone call like they said they would.
Product: Checking or savings account

Bank of Hawaii was charging an inactivity fee of $ XXXX/month for XXXX  months draining my account of the majority of funds. I called and asked for the account to be reactivated and for fees to be waived. I was told to send a check to reactivate my account and they will waive the fees. The check was deposited and the account was reactivated but the fees were never waived. The $ XXXX/month fee on the balance of ~ {$80.00} ( at the start of these charges ) amounted to an annualized interest rate of 75 %. Not only this is unfair to me as a consumer but extreme.
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are erroneously reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Debt collection

I get repeated phone calls from Midland Credit all day, every day starting just after XXXX XXXX. until XXXX XXXX.. The only day missed was XXXX. I am retired, owe no one and have no previous unpaid debt. They may even call 5 minutes apart, but usually 3 to 6+ times throughout the day. They call Sundays starting early, too. No one else lives here. This has been going on for a year, along with all the other offshore scam calls and fake threats from the " IRS ''. My theory is the calls may relate to someone who has listed me as an emergency contact, or they are trying to scare me to try to extort money from me for a bogus claim. If they think I owe them, they should contact me by mail. They have not done so, so I can only assume they are scammers. I think these people consider the XXXX to be prey. They never leave a message, so I consider this plain harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX PL A XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Student loan

I am in the Public Service Loan Forgiveness Program with MyFedLoans. I have been employed with the State of California for almost 7 years, and have been making payments regularly under PSLF. MyFedLoans have still not provided me with an accurate accounting of my loan payments made, after countless phone calls and emails to them. My MyFedLoans account is not up-to-date, and I would like this fixed immediately. Some of my loan payments have been counted this calendar-year, and some have not, with no explanation from MyFedLoans. 

I would like this issue resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to Raymor and Flanigan where I took out some furniture. The total cost was {$5300.00}. I signed a 36 months no interest contract. I was informed that as long as I made my minimum payments or more on the XXXX of each month I will be good. I was informed that I can complete payment before the 36 months if possible. About XX/XX/year> TD Bank who financed the furniture with Raymor and Flanigan sent me a letter in the mail stating they will be increasing my minimum payments. I brought the letter to Raymor and Flanigan and we called TD Bank and I was informed to disregard the letter. XXXXXX/XX/XXXXI got another letter in the mail stating I owe a minimum payment of {$320.00}. They doubled my minimum payment which made no sense and would result in paying double the remaining balance. I contacted TD Bank and was informed it was an error on their side as they had some system issues. I was again told to disregard the letter and late fee as they have made notes to have the issue corrected and told to make my minimum payment which I continued making. Fast forward to XXXX I contacted TD bank once more about the issue as they sent a letter stating I would be reported to the credit bureau as delinquent. I was again told that they have not updated their system and the matter will be corrected. On XX/XX/year> my credit was hit and dropped XXXX points and I was reported as delinquent for an error made by TD Bank after months of trying to have the issue corrected and the matter being disregarded. This has been affecting my reputation as my wife and I are currently in the market to purchase a home as we are expecting our first child together. It has been an emotional journey and no matter how many times I called over 3 months to avoid this from happening they have placed all my personal goals on hold and my pregnant wife is stressing as we more than likely will miss out on the opportunity to get our home before our baby arrives as well as loose the home we wanted to purchase. A simple matter that could have been solved has cause so much strain on my marriage and personal life. I have never missed or been late on a payment. I intend to take legal action against TD Bank/Raymor and Flanigan for this matter.
Product: Debt collection

For months I been contacting XXXX to removed derrogaroty remarks out of my credit report. I own Target credit card with TDBank for XXXX years or more, before covid started I put myself behind, NEVER in XXXX years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for XXXX months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with XXXX the cpllction company target used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to Target that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to TDBank , the XXXX credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by XXXXTarget XXXX XXXX XXXX on XX/XX/XXXX transaction XXXX of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
Product: Checking or savings account

In XX/XX/2021, I received my 2nd PPP loan installment. Immediately, my account was frozen. Even though it was not capital ones place to determine if I qualified for loan because I didnt get the loan through them, I still provided all requested information. However, I was informed XX/XX/XXXX that it was not sufficient to capital one and the funds would be sent back to the lender and my account would be closed. This has yet to happen. Every time I call, I am on hold for at least an hour trying to reach a person. Then, almost every time the agent disconnects the call. My monthly statements have been turned off ( not by me ) even though I still have an open account in my name. 

The lender of the loan already did their due diligence and it passed the necessary requirements to be funded. There is a 2 step verification process that I had to pass. What Capital One is doing is holding up MINORITY borrowers whom which this money was intended for. Your role is to make the funds available for use and it is a shame they are holding money from disenfranchised sole proprietors that rely on this money to keep afloat.