23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I accidentally sent someone {$1500.00} through cashapp when I was suppose to just send {$1000.00}. I tried to dispute it with cashapp and they basically said they have the rights to keep my money.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a couple of fraudulent inquiries i didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there  are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a check to check employee, working for a XXXX, i take my finances serious and can't afford to have my credit scores drop along with a lower income. I'd like for this information to be removed from my profile.
Product: Payday loan, title loan, or personal loan

I am senior citizen and I have a XXXX XXXX, XXXX  XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter off in XX/XX/XXXX to remove address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the address is included in the attach document that I filed with identity theft.gov Moreover, I also request those inquiries below to be deleted since they are unknown to me and inaccurate, nothing has been done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

We ended our XXXX service on XX/XX/XXXX. 

On XX/XX/XXXX we got a letter from the first collections agency - XXXX, XXXX XXXX XXXX saying we owed XXXX {$210.00}. 

I called XXXX on XX/XX/XXXX at XXXX to XXXX - I talked to XXXX XXXX XXXX XXXX confirmed that I returned all of the required equipment, and that I do not owe XXXX any money. He said my old account will show a credit of {$210.00} ( This is amount it would take to re-activate my account, which I will never do. ) so that the collection agency will not come after us anymore. 

We have been contacted by a new collections agency- XXXX, XXXX, and XXXX, so this issue is still occurring a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXt Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX  # XXXX, Account : XXXX card # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The response from the credit bureau stated that the request did not appear to be sent directly by me. Which was not true, the request for immediate removal was sent from account owner.
Product: Debt collection

XXXX XXXX collections XXXX date of service XX/XX/2021. I have not opened any account with XXXX XXXX. I tried to contact compsny which was unable to give me any imformation. Filed dispute. My credit score had come down due to this. XXXX collections have added this amount. Called XXXX XXXX. No knowledge of me. I need this solved as soon as possible. They are crooks. I was on the phone waiting for someone to answer for 40 minutes so evidently they are doing fraudulent activity to collecg from people who do not owe. I have no knowledge of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents. I have been trying to get XXXX to do a real investigation since XX/XX/2023. Please help me get results.
Product: Mortgage

My mortgage account for them was under forbearance until XX/XX/2021, at which time I made three consecutive payments for XXXX, XXXX, and XXXX. They then confirmed we would proceed with loan modification and would send the paperwork to me 30-45 days afterwards. I have called several times and they concede this has not happened and asked for more time. Every month I incur extra accumulated interest, since the interest rate on this loan is 2 % higher than what I will get when I refinance. Nationstar/Mr Cooper accumulates interest owed every month they delay. Moreover, I am totally unable to refinance this mortgage and other mortgages until this is resolved. It is artificially impeding my credit score while they reap an absurdly high interest rate ( 5 % on a 20 year fixed ). No offer to refinance has been made and I incur thousands in additional interest costs as a result.
Product: Mortgage

I am actively trying to settle my foreclosure through the short sale option offered by my lender. However, there is a dispute over the value of the property and the lender is refusing to release the broker price opinion report that they used to determine the valuation. I have the right to receive a copy of any evaluation performed on my property. The lender is also refusing to review an independent appraisal report and will only take the opinion of one untrained real estate agent.
Product: Money transfer, virtual currency, or money service

Hi i used moneygram to send money to my mother for her medication in her bank account. Then moneygram send me a notification that the transaction is canceled. So i called moneygram customer service, i told them i didnt canceled it and if its canceled can i have my money back in my account because I really need to send it again in a different way because my mom need it for her medication. I talk to two moneygram customer service they both said it takes 3 to 10 business days for the my money to be back in my bank account. I told them but I really need to send that money now because its for my moms medication. They said theres nothing they can do. Its for medication and I dont have extra money to send again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Payday loan, title loan, or personal loan

ACCOUNT # XXXX XXXX XXXX phone # XXXX Car was repoed on XX/XX/2020 after it was payed off completely but not giving the tittle I had personal stuff of value in my car because I was moving and they wouldn't tell me where the vehicle was. 

I NEED ANSWERS and help i don't know where to go and its messing with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, Equifax letter # XXXX, and XXXX letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXX # XXXX, XXXX-Acct # XXXXXXXX XXXXAcct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and Equifax letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card or prepaid card

Subject : Capital One Bank, credit card and personalchecking : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 
Capital checking XXXX. 

Abusive conduct and Unfair practices are the issue. 

The subject bank cards and account issues are the result of several negative experiences which began in XX/XX/2023. I began my bank relationship with Capital One over 3 years ago, as a credit card customer. During this entire period I never missed a due date and mostly paid off 70 % of the monthly balances. Beginning this year I began a new business venture at XXXX XXXX, and then the problems began. On XXXX XX/XX/XXXX, I was attending business license courses at XXXX XXXX, and having lived at this location over a month, I used both cards extensively. The cards are linked to another savings account for payment. I found that the cards reached credit limit and my payment source was going to be delinquent, because of SSN payment tardiness. In order to meet my financial requirements, I had a business partner, wire a payment to Capone card XXXX, the weekend of XX/XX/XXXX. CapOne held the payment for 8-10 days, without credit and without access to the money sent. The payment was for 90 % of the balance on this card. In addition my payments for the courses, car rentals and rooms were declined repeatedly, though there was available credit for the courses at the very least. The result was a failed business trip and they gave me a negative credit report. CapOne later apologized for the treatment to my surprise. 

The second abusive conduct and unfair practices began on XX/XX/2023. Again I am traveling on business, I am running out of available credit, in anticipation of a problem and in anticipation of an automatic wire deposit, I authorized a {$250.00} payment on XX/XX/XXXX, XX/XX/XXXX, {$100.00} payment, and {$500.00} payment on XX/XX/XXXX. I made a big error in authorizing payments because of a wire transfer error. To complicate things, the auto SSN payment from another account, was agin delayed without my knowledge on XX/XX/2023. To reconcile with Capital One I immediately open. Personal checking account with a wire transfer of funds to cover the credit card balances. The amount transferred was {$3300.00}, more than enough to cover the previous amounts authorized. In addition, I authorized on XX/XX/XXXX, a XXXX credit card payment and on XX/XX/XXXX, another XXXX payment. 
To date, the credit card amount due is incorrect. See screen shot attachment. Also, again Capital One, withheld access to the wire transferred funds without explanation, though they paid themselves on XX/XX/XXXX. I was not given access to the personal checking account until XX/XX/2023. Again they gave me a negative credit report and canceled each card. To date the cards have Never been delinquent. And now my credit rating is below XXXX because of their
Product: Debt collection

Unfortunately, these companies called XXXX have not been pleasant to me at all. When I moved from XXXX XXXX, the people at the office told me that I owed {$0.00} dollars and that I did not owe any money. After a month and a half, this company called me saying that I owed {$550.00}. I called and they sent me a statement with someone else 's information, another apartment which was not mine and with another amount. The calls continued saying that I had to pay the money but until I received a statement with my name on it I was not going to pay something that was not XXXX XXXX certain. I contacted them on XX/XX/year> to ask for the statement again and they did not send me the statement or even have the information that I lived with another person under that contract, they continued to harass me that I had to pay that amount of money. In the end, they never sent me the statement that I asked for.
Product: Credit reporting or other personal consumer reports

I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act convergent the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only XXXX ) Acct # : XXXX XXXX ( charge off ) Acct # : XXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution
Product: Debt collection

XXXX XXXX called my job on XX/XX/2022 at XXXX XXXX. XXXX XXXX XXXX XXXX was told not to contact or call my job anymore. XXXX XXXX did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXX XXXX This is a violation according to15 USC 1692c : Also, XXXX XXXX has sued me and taken me to court and the judge dismissed the case due to XXXX not proving that I owed the debt and they did not show up.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I was surprised by the multitude of inaccuracies I found. It was genuinely surprising to come across such errors. 

I urge you to thoroughly investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's crucial that these inaccuracies are promptly rectified. Otherwise, I'm concerned that my applications for various services may be denied due to these discrepancies. I've already faced rejections from two sources.

Please don't overlook my request for assistance. I urgently need your intervention to ensure that the mentioned accounts are accurately reported as being in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Exquifax 's method of verification *description of reinvestigation procedure* used to determine the accuracy and completeness of the information, along with the business name, address and telephone number of the furnishers in accordance with 15 USC 1681i ( a ) ( 7 ) for the accounts within your Reinvestigation Letter Confirmation # XXXX dated XX/XX/2021.
Product: Checking or savings account

Twice I have had my money stolen via XXXX by sending money to the wrong user the first time it was {$300.00} sent to someone with my old number, and recently I was scammed into sending {$970.00} by someone offering services, sending a fake address number and name and then when I showed up to the location the business did not exist and there was no one to make contact with. In both situations I asked my bank and XXXX to refund the transactions and they refused because the money was already transferred to the recipients bank. Only stating that I would have to take it up with the recipient. And I am unable to contact the recipient because they number they gave me they no longer respond to.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX
Product: Vehicle loan or lease

I obtained a vehicle loan for a new car through Nissan Motor Acceptance on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. 

I pull my credit report XX/XX/XXXX and discover that Nissan Acceptance has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, XXXX  months after I made the final payment and had a XXXX balance. 

I have reached out the Nissan Acceptance as well as XXXX numerous times ( dates listed below ) without response from Nissan Acceptance as well as this remaining on my XXXX credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. 

This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. 

This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.