23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration with your bureau 's handling of the late payments inaccurately reported on my credit file. Despite multiple dispute letters I have sent, you have persistently verified these erroneous accounts, and they continue to tarnish my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 

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

I have disputed with all 3 CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all three bureaus experian, XXXX, and XXXX asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the 3 bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance
Product: Debt collection

There is a collection on my credit report by a company named XXXX   XXXX. This company has been notified of identity theft issue fraudulent charges and has been disputed and ruled in my favor that debt is not mine and should be removed completely from my credit report by both XXXX  and XXXX. This company has now placed derogatory XXXX 's on my account 3 different times for 3 different amounts and continues to add bad remarks everytime they are disputed and found to be fraudulent. This action to my credit has caused immense issues in my finances and has barred me from any use of my credit. This practice is criminal and needs to be dealt with swiftly.
Product: Student loan

American education services is harassing me. They call constantly. They sent me a letter telling me my father was dead and they needed new contact information for someone else to drive insane. Today I got a message from a friend saying their husband received a call from AES, asking for me. My friend didn't even know her husband when I got this miserable loan. The most infuriating part is I have never missed a payment! Never in the almost 20 years I've had this tiny  loan have I ever missed a payment. I might be more understanding if I had an outstanding balance with them, but I never have!
Product: Vehicle loan or lease

I XXXX XXXX, got a vehicle back in XXXX XXXX at a dealership in XXXX, Arkansas, at dealership named XXXX XXXX and XXXX, where I got a vehicle from they where a fraud. My credit was ran about three different times with out my consent, that was after the fact we come to conclusion I had to get a co signer. My credit was still ran, I then proceeded to get a loan on vehicle, sign paper work and still had to pay a XXXX down payment and that I should insurance before I could even leave the lot. ( 15 USC 1662b ). I leave with the vehicle and the weather had dropped down by the time I've made it home and it started snowing. Over the next few days I did not get too drive the vehicle which, I would crank the vehicle and let it sit, each day I would hear a winning sound, I then let the dealer know the problem I was having, Well the dealer inform me to bring the vehicle back. I took vehicle back and they looked at the car for 5 minutes and told me nothing was wrong, so i decided to take vehicle back, I told them I wanted to trade for a truck I seen, had to go back the same process as following, where my credit was ran again, don't know why, where they knew from the time before told me credit wasn't enough. My complaint is that they broke the laws, ( 15 us code 1635 ) ( 15 usc 1605 ) ( 15 usc 1662 ) ( usc 60802 ).
Product: Credit card

My credit balance keeps inaccurately applying for differing algorithms to steal my money. I will put {$300.00} in to cover my account, but it will end up disappearing or then looking at it as if it's full and needs paid now basically looking at it the opposite way. It will go back and forth from how it decides to perceive the definition of what " credit balance '' means for me. Also, differing reflections on my monthly payments immediately taking off interest from them that should never be charged. No actions have been taken by the companies. These accounts are XXXX XXXX credit card account and SELF credit builder savings account with also a SELF credit card account. Three in total. Additionally, after not being able to log in for approximately 2 months, my SELF accounts now have fraudulent charges on them I never made from XXXX XXXX XXXX XXXX 
I have talked to both SELF and XXXX XXXX about this on the phone but they both just say that it's correct and not wrong. It seems to be not the right or original companies themselves and covered over by a call center or they're just owned and operated by scamers. 
( I am a victim of Identity theft )
Product: Student loan

I have been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. 

High credit is not accurate - account is being reported inconsistently across all three bureaus. 

Date opened is not accurate - account is being reported inconsistently across all three bureaus. 

Date last active is not accurate - account is being reported inconsistently across all three bureaus. 

Payment status is not accurate - account is being reported inconsistently across all three bureaus. 

Payment history is not accurate - account is being reported inconsistently across all three bureaus. 

I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.
Product: Credit card

I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked inaccurate : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I have a federal student loan that is eligible for the student loan cancellation. I am eligible for {$20000.00} in forgiveness. I made a total of a little over {$8600.00} in payments during the payment pause for Co-vid to take advantage of no interest to try and pay down my loan. I called Nelnet on XX/XX/2022 to request a refund for the payments I made during the payment pause from XXXX XXXX on. They told me I would receive the refund in about 4-6 weeks and I would get an email with the status of my request in the following week. I never received that email. I hadn't heard anything at 5 weeks so I called them and they said it would be 6-8 weeks to get a refund. I am now at the 6 week mark and in order for me to get my refund at 8 weeks I would have to have my loan balance reinstated on the website by now which I have not. Also I see people that have called Nelnet after I did already getting their refunds while I still am waiting to get my balance reinstated. I am worried I will not receive my refund that I am entitled to in time for the debt cancellation. Then I will have to start repaying my loan in XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my previous dispute, which I submitted last month regarding a fraudulent account and inaccuracies in my personal information on my consumer report. Despite providing clear evidence and detailed explanations of the inaccuracies, the disputed negative accounts remain on my new report without any changes. Under federal law, consumers are entitled to a fair and thorough investigation of disputes. Your agency has failed to comply with 15 USC 1681i ( 7 ), which requires a detailed description of the procedures used to verify the disputed information. I am requesting a detailed Method of Verification ( MOV ) for each disputed item, as required under 15 USC 1681i ( 7 ). Specifically, I need the name, address, and phone number of the information furnisher ( s ) involved, along with the name and title of the person ( s ) contacted during your investigation. Additionally, I request any supporting documentation, such as the original contract containing my signature, and a clear explanation of the procedures your agency follows to ensure accuracy under 15 USC 1681e ( b ). This information must be provided within 15 days of receiving this request, or you will be in direct violation of federal law, requiring immediate deletion of the disputed items. One specific disputed item is the fraudulent and unauthorized account with XX/XX/XXXX, Account Number : XXXX. I did not authorize this account and it does not reflect any legitimate transaction involving me. Under 15 USC 1681c-2, I am entitled to the removal of items resulting from identity theft. I have already provided sufficient documentation, and you are required to block and delete this item within four business days of receiving the evidence. This ongoing failure to comply with federal law has caused me significant emotional distress.
Product: Debt collection

Hello, I 'm trying to purchase my first home, and i, ve pulled my credit report and items are appeared to be on there that should n't. I 've tried numerous times with all credit bureaus on trying to fix this things, and they would n't help me. These collections thats being reported. I 've been trying to resolve the multiple negative accounts on my credit report, ( XXXX, XXXX and XXXX ) are negalecting to verfiy the accounts properly to determine which ones are duplicates or orignals. Due to poor lack of investigation and communication I 'm requesting that all accounts be removed. Because this is really hurting my future and my living. <P/>XX/XX/XXXX-National Credit Systems- {$3600.00} XX/XX/XXXX-XXXX- {$1000.00} Inquiries on XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Product: Student loan

My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now XXXX XXXX. In XXXX they were then transferred to mohela. Mohela seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to Ombudsmen, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.
Product: Debt collection

Yes XXXX XXXX XXXX has on 6 occasions tried collecting on a credit card account that is past the state of Colorado 's status of Limitations - this debt XXXX with Citi Bank Costco the debt was 8 years ago and has fallen off my credit because of the statue of Limitations XXXX XXXX is violating my consumer rights and breaking the law with their repeatedly abuse of the collection process. 

this account is XXXX XXXX XXXX and has official fallen out of the statue of limitations They are violating The Statue of statue of limitations for federal & state FDCPA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. Affirm immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. Affirm reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,
Product: Mortgage

Bank of American owed me {$8000.00} for funds that they said, I owed and at this time they have not proved that I owe any money. They held more than {$26000.00} in unapplied funds and when the loan transferred to nationstar in XXXX there were still funds that had not been applied to my primary mortgage. In XXXX of this year XXXX XXXX threatened to foreclose if I did not pay after I had been paying them since XXXX they refused my XXXX XXXX payment until I agreed to pay the XXXX including additional late fees, attorney fees, home inspection fees running the bill up more than XXXX. I paid out of fear. Also, on the XXXX mortgage I paid an close to XXXX out of fear of the collection tactics from bank of America and XXXX. I have paid in good faith as that was the reason I filed XXXX in XXXX to pay my creditors in good faith. I am not satisfied with the results of this investigation on behalf of these mortgage companies that have committed fraud and false billing statements to collect money that I do not owe. I am seeking reimbursement of $ XXXX XXXX XXXX I paid more than {$12000.00} to nationstar to keep them from foreclosing on my property. I paid bank of America a check because they said I was behind on the heloc when was settled in bank ruptcy. I am due a refund and my credit reports need to reflect that I have paid in good faith. I am very disappointed in bank of America, countrywide and XXXX for the mishandling of my accounts and my payments.
Product: Debt collection

I have attempted to contact XXXX XXXX to dispute the charges that they sent to collections. XXXX XXXX has a single phone number for a very large company. The phone number has never worked. There is no email available. The company, along with my charges, appears to be fraudulent. 

I have also been in contact with FCR Collection Services. I have called twice to ensure that my account remains in disputed status. I sent a letter via certified mail, to dispute this claim on XXXX XX/XX/2020.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on credit report I have constantly challenged bad information on credit report it's not accurate according to federal law their practices our shady practices are against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXX XXXX  mortgage scam XXXX fake XXXX XXXXXXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX  in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on titleXXXX XXXX  department of Treasury XXXX. To confirm my ownership please review XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, Experian and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

Experian XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$440.00} XXXX XXXX  XXXX  {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX