23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX Nelnet reported to the credit bureaus that I was 90 days delinquent on my loans. I was only working part time as a temporary employee and did not even know it was time to start paying the loans. Once I realized what happened I applied for a deferment. They deferred my loans and backdated the deferment to XX/XX/XXXX to last until XX/XX/XXXX, but kept the late status on my credit reports, thus causing my credit rating to drop drastically and not allowing me to get a loan on a house when I became full time status on my job in XX/XX/XXXX. I have not been able to get a reasonable car loan, cell phone plan, etc., since that time, even though it is out of deferment now and I have paid every payment on time. I asked them on multiple occasions to please take this off of my report and they refuse, stating it is a law, but it is not and now my credit will remain affected until some time XX/XX/XXXX.
Product: Debt collection

Johnson Mark LLC Failed to properly validate the debt they allege I owe. They sent me two packets of the same thing a bunch of old credit card bills. None of them providing proof of the amount they allege I owe. They have violated the FDCPA by failing to prove to me I owe this debt under law.
Product: Credit card or prepaid card

My wife and I opened a business account with BBVA in late XX/XX/XXXX ( I believe XX/XX/XXXX ). We a debit card and two credit cards. We closed the business account and credit cards in person at the local bank where we originally opened the bank account and cards on around XX/XX/XXXX. Around XX/XX/XXXX we received a call that we were in collections at BBVA for a charge on a credit card. When I called BBVA they told me I had a charge on a credit card, and after talking with the credit card department and fraud department, it was determined that the charge was fraudulent. BBVA told me they would call in 90 days with the resolution. They never called back, so I called the bank in XX/XX/XXXX. In XX/XX/XXXX I was told that in fact multiple additional accounts had been fraudulently opened and multiple charges existed. The bank refused to send some charges to the fraud department because we had waited too long to report the charges. We had not been notified about any charges other than the charges in collection, and when I called in XX/XX/XXXX, they said no more charges could occur on our account ( an account that the bank failed to close in XX/XX/XXXX ). The bank also refused to close multiple accounts despite the fact that some of the accounts were opened fraudulently. I was told that the accounts cant be closed with a balance, so to close the accounts I paid the fraudulent charges, however the bank continues to not close some of our accounts. In addition to the above, multiple people at the bank give us different information about accounts under our name and at this point we do not know how many accounts exist under our name at the bank. This is truly a nightmare for us and the bank is not helping and wont ensure that more fraud does not occur on our account.
Product: Mortgage

Summary : Planet Home Lending , LLC ( PHL ) has reported I have an escrow shortage two years in a row ( XXXX XXXX XXXX XXXX XXXX due to a failure on their part to make accurate predictions in local property tax annual growth, both of which resulted in grossly increased minimum monthly payments despite my VA home loan being on a fixed rate loan. After paying off the escrow shortages for both years and requesting that my escrow account be deleted so that I may pay for local property taxes and homeowner 's insurance myself, Planet Home Lending has failed to respond in a timely manner ( total of 44 days since initial signed letter request to delete escrow account after satisfying the escrow shortage ) and has maintained my minimum payment increase due to this escrow shortage. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Payments : - PHL Reported Escrow Shortage - {$4900.00} - Prior Minimum Monthly Payment ( w/o Shortage ) - {$1500.00} - New Minimum Monthly Payment ( w/ Shortage ) - {$2100.00} ( + {$560.00}, or XXXX XXXX  increase in monthly payments ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Payments : - PHL Reported Escrow Shortage - {$3900.00} - Prior Minimum Monthly Payment ( w/o Shortage ) - {$1300.00} ( after new state tax exemptions ) - New Minimum Monthly Payment ( w/ Shortage ) - XXXX XXXX XXXX XXXX XXXX, or XXXX % increase in monthly payments ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Timeline** : XX/XX/XXXX - PLH Notifies Homeowner of XXXX Escrow Shortage XX/XX/XXXX - PLH Reduces Minimum Monthly Payment ( due to new state tax exemptions ) XX/XX/XXXX - PLH Notifies Homeowner of XXXX Escrow Shortage XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - PLH Provides Instructions for Escrow Account Deletion, Demands Escrow Shortage Be Paid XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion, Pays off Escrow Shortage XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion XX/XX/XXXX - PLH Acknowledges Request and Promises Response by XX/XX/XXXX XX/XX/XXXX - Homeowner XXXX Request for Escrow Account Deletion, No Response from PLH ( as of XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **minimum payment not reduced to remove escrow shortage despite being paid off throughout this timeline
Product: Payday loan, title loan, or personal loan

I called XXXX XXXX in response to their constant emails to lower my interest amount ( 110 % APR ) The lady i spoke to asked if i was a military spouse - I responded yes. The customer service rep then tells me that she is unable to re-do my loan as i shouldn't have one under the law anyhow, and that it is a good thing, she recommended i speak to their customer service team. I called back and they tried to sell me a new loan at 80 % APR for another 80 months! 
I am a military spouse that just wants to know what is what here.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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: Vehicle loan or lease

In 2019, I co signed for a car loan thru Navy Federal for my young daughter, who was attending college at the time. 
The car was found at a local car lot called XXXX XXXX XXXX, and the loan was for {$6500.00}. 
The owner of car lot, talked to us about a connection they had at Navy Federal, and that they sent all there're customers here for financing. I didn't have a problem with that because I bank with them also. 
After applying, the salesman drove us to the nearest Navy Federal on XXXX XXXX in XXXX XXXX XXXX, and took us to a known salesman to start the loan procedure. 
The loan XXXX or clerk took our information and printed a check and we were done in the matter of XXXX to XXXX minutes. 
I have since not been able to obtain a car title nor get the vehicle registered in my state. 
The owner promised the title would be available in a few weeks. Eventually, weeks turned to months and months to years. 
He eventually explained to my husband and myself that he couldn't get the title because it belonged to XXXX XXXX XXXX, but was in process of obtaining it.. 
All the while visiting the car lot every month to attain a monthly paper tag from the owner because he didn't hold a legal title to this vehicle prior to selling it to me. 
I contacted the bank, and they advised me that they had nothing to do with me not obtaining a title, then they changed my car loan to a counter loan.

Therefore sticking me with a car I can not register, and a loan on a car I ca n't drive.

I am currently still paying on this loan every month, So I am seeking help from your office of experts in this matter, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts on my credit report as they are not an accurate representation : XXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX. Despite my dispute ( s ), the CRA has failed to provide accurate or any documentation verifying these accounts such as contracts, billing records, or account agreements. The CRA also has failed to accurately dispute or look into my dispute, saying that they can not be disputed and will not be looked into. Without appropriate reinvestigation that is required under FCRA 611 ( a ) ( 6 ), there is a lack of proper Evidence which these accounts can not be displayed as accounts under my name that is provided to the credit bureaus, which misrepresents my credit profile to lenders.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerouis inaccurate listings on my account that need to be investigated see letter attachached
Product: Credit card or prepaid card

I am on XXXX and receive benefits through a prepaid visa card managed by Bank of America. I attempted to use my card and was unable to do so. I called the bank and was informed that there appeared to be fraudulent activity and that my account it had been frozen. Myself and the agent canceled my card, ordered and ordered a new one. I went to withdraw money once I received my new card, however I was unable to do so. I called the bank again and was informed my account was empty, after reviewing the transactions with the agent, I filed a claim with the bank, claim number XXXX, the claim has been denied twice. When attempting to obtain information on why, I am not given any information on what needs to be submitted to process the claim. The bank appears to be purposefully uninformative, I have asked many pointed questions and have been told that information would be mailed to me. The information I have received is a printout of my bank statement stating this is what they used to make their determination, with no explanation. I filed a police report a fraud report sent an affidavit stating that I did not make the transactions, and I am still being denied with no explanation except a printout of the transaction ..... This has caused so much stress to my family and the bank is not attempting to assist in any way and this is the bank XXXX requires me to be paid through, and they have allowed someone to take XXXX XXXX with no consequences to be experienced except by the victim.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements around XXXX XXXX and had n't seen my points post yet. I chatted with a Citibank rep on the phone when I first opened the account, ( as they needed to verify my address with certain documents ) and they confirmed that I would see the miles posting as long as I completed the requirements. Later when when I followed up with Citibank through XXXX, telephone and email, they mentioned that I was ineligible for the promotion despite previously confirming that I was qualified. I attached the mailer that was I received through email regarding the promotion.
Product: Debt collection

Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.
Product: Checking or savings account

There have been 9 transactions between XX/XX/XXXX and XX/XX/XXXX. 
These 9 transactions were charged to my checking account using my debit card. 
The vendor on these transactions appears to be XXXX. 
However, I have spoken with XXXX. The transaction number on my bank statement doesn't match the pattern or number of digits they use on their transactions. They searched their records for my name, debit card number, address and were not able to find any transactions matching my information. 

It appears as though someone created a merchant account and is pretending to be XXXX. 

The fraudulent transactions are as follows : XX/XX/XXXX {$97.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$50.00} I have reported this fraudulent activity to ( the real ) XXXX and my local XXXX Police Department ( Police Report # XXXX )
Product: Credit reporting or other personal consumer reports

I am submitting this notification to persist in requesting an investigation into unauthorized inquiries listed on my credit report. I request that the three Credit Bureaus undertake a comprehensive review of these inquiries as legally required. Below are the inquiries in question that necessitate a detailed investigation : 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: Credit reporting or other personal consumer reports

Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00}. This balance and date is incorrect. The date should be XX/XX/XXXX and the balance should be {$1.00}.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account number # # # # # # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Pursuant to 15 USC code 1681 a ( d ) ( 2 ) ( A ) ( i ), Equifax has been reporting my utilization and late payments, which is also a violation since Congress states that portion should be excluded from credit reporting. 

Late Payments reported : XXXX. XXXX XXXX Acct XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX : XX/XX/XXXX ( original bal XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( original bal XXXX )
Product: Checking or savings account

After my last complaint in CFPB, HSBC replied to me that my account access was restored on XX/XX/XXXX after the review was completed, but I logged on and my account still was suspended, I want to know what's the reason for that
Product: Credit reporting or other personal consumer reports

I recently received a letter from Equifax, dated XX/XX/XXXX, regarding my request to investigate inaccurate information on my Equifax credit report. This is not the first time I've received such a letter, and it seems that Equifax is using biased practices whenever I submit a complaint with the Consumer Protection Bureau about inaccurate information on my credit report.

In the past, I've received letters from Equifax stating that they were unable to locate my credit file in their database, even after I submitted my Driver 's license and Social Security card multiple times in XXXX. Recently, I mailed Equifax another copy of my identification documents, and they continued to send me letters last year ( starting in XXXX ) stating that I don't exist in their system. This seems like a clear bias, especially since I have been unable to locate my Equifax credit file when filing a dispute with Equifax for reporting inaccurate information. 

I am submitting a complaint to the Consumer Protection Bureau, along with copies of my Driver 's license and Social Security card, the letter I received from Equifax on XX/XX/XXXX, and a copy of my Equifax credit file # XXXX, which I received from Equifax on XX/XX/XXXX. Despite all this, I am still receiving biased letters from Equifax Information Services stating that they are unable to locate my credit file in their system. It seems that their system is not working correctly, and I hope that the Consumer Protection Bureau can help me resolve this issue.
Product: Money transfer, virtual currency, or money service

I was disabled from purchasing on coinbase and my access to XXXX trading page was disabled and I should contact support. 

I contacted support on XXXX XXXX, got my case filed under XXXX ID : XXXX but nothing happens. 
I 'm afraid that this is just another fraud operation as I have around XXXX $ and I can not get to them or move them to any other wallet.
Product: Credit card or prepaid card

XX/XX/23 : My Citi bank 's Custom cash card ending in XXXX was compromised and was unauthorizedly charged {$170.00} by XXXX XXXX XXXX. 

XX/XX/23 : After receiving notification of the charge, I immediately called Citi Bank and informed them of the unauthorized transaction. 

Citibank reversed the charge and issued me a new credit card. 

XX/XX/23 : Got a letter from Citibank asking me to sign and confirm the unauthorized transaction. Case id : XXXX XX/XX/23 : I signed and emailed the letter sent by Citi and confirmed that it was unauthorized. ( email attached ) XX/XX/23 : Citibank closed the investigation and ill-judged that it was a valid charge. ( Letter attached )
Product: Debt collection

I have been getting repeated calls from lotane and associates P.A XXXX saying i owe a money. The that was owe was settle though a judge. In which i have invoice showing that i have payed them. I keep getting phone calls say owe money. Which was settled on XX/XX/2023. I have called them multiple time say it is harassment do to me already settling the money that was owe in he amount of {$2000.00}.