23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX - submitted an IDR plan request via student loan.gov because i was not able to reach a person at Mohela XX/XX/XXXX - submitted feedback case # XXXX to complain after several failed attempts to reach someone at Mohela to put my loan into forbearance. 

XX/XX/XXXX - called number on studentloan.gov to contact ombudsman to resolve issue with Mohela, and the system hung up on me because of high call volume
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XX/XX/XXXX XX/XX/XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XX/XX/XXXXXXXX
Product: Debt collection

Cancelled XXXX 3 months ago. Today XX/XX/XXXX. 
When I switched to XXXX XXXX the day after I called XXXX to get receipts and final bill. 

My on line account was canceled so I could view my last billing cycle so I could be reimbursed on my expense from my employer. Nor would they tell life if owed anything for final payment. 

They said they would send a hard copy for XX/XX/XXXX which was paid auto draft as had for many years. They never did. 

Now they want multiple months after I cancelled. 

Today I received a collections notice from a company called Convergent for {$580.00}. 

The reason I cancelled is because had increased by well 50 % over two year period. 

My new server is 50 % less with brand new phones. 

I will not pay a dime more to XXXX. XXXX is a criminal organization. 

I am concerned about credit being effected which is perfect at the moment.
Product: Credit reporting or other personal consumer reports

Someone opened a CAP1 credit card in my name without my knowledge and it has a balance of {$2000.00}. I have put in a dispute with XXXX and am calling CAP1 about it.
Product: Checking or savings account

Good afternoon, my account was blocked at first. Never had the chance to use. Ive been trying to reach the bank for over two weeks. On the phone for hours. Today finally I got to talk to someone in maintenance team. She and her supervisor took a half hour to review the account. Once she got back she told me they couldnt service me anymore because of the check they had voided which is not % 100 my fault. Now the account as a positive balance they went ahead and close with the only balance I have to get something to eat and gas. It was XXXX from my dad and my brother straight to the account. They werent being nice and theyre no help whatsoever. Im very dissatisfied with there service. Maintenance team was really telling me there are no money in the account that I was looking at. Thats why I was on the phone for an XX/XX/12 for this treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX, Equifax and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX, Equifax and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but XXXX  and Equifax refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.
Product: Debt collection

Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a victim of internet fraud as can be verified by XXXX XXXX. I requested billing by mail as had been done in the past by Capital One.Again this month I looked at my email and there was a notice to pay and referred to my checking account.Other Companies have had no problem sending a bill.It is very upsetting as I have been a Capital One client for years.
Product: Debt collection

On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.
Product: Credit reporting or other personal consumer reports

Experian was notified of my reported identity theft on XXXX. 
The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. 
Experian did not remove the account and did not respond until XXXX. Stating that the account was validated. I take this as intentional taunting and willful negligence by stalling as long as they were allowed. In this closing response they stated " a results summary '' was sent to me on XXXX which I have no record of and it was not what requested, nor was the account removed after receiving the FTC identity theft report # XXXX ( Exhibit A ) listed in CFPB report # XXXX ( Exhibit D ). 

XXXX XXXX XXXX XXXX XXXX notified by mail of the request for validation pursuant to Fair Debt Collection Practices Act, XXXX XXXX XXXX. 
XXXX XXXX XXXX did not respond within the 30 days per ( Exhibit F & G ), nor did they provide validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
Additionally, XXXX XXXX XXXX is violation of the Texas Collection Agency Act ( TDCAA ) and the Texas Debt Collection Act ( TDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Texas Department of Financial and Professional Regulation ( IDFPR ) ( Exhibit H ). 
I have done all that I can to work with these agencies to remove the fraudulent claim and I am putting these companies on notice of intent to sue.
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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.

15 U.S.C 1681 s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Vehicle loan or lease

Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX This account opened on XX/XX/XXXX, with an age of XXXX, 5 months, and a balance owed of {$3100.00}. This was a car loan for a XXXX XXXX XXXX XXXX : XXXX. This vehicle was totaled in a car accident on XX/XX/XXXX, with full coverage insurance and XXXX insurance also. I have for the past 4 years, been in contact with Credit Acceptance concerning this loan and the remaining balance. Every time I contact them they can not tell me as to why I have this remaining balance. On XX/XX/XXXX I had a zom court appreance with the State of Delaware concerning this case, credit acceptance took me to court due to the remaining balance. I won the case and the case was dismissed due their lawyer not being able to prove to me why I owed {$3100.00}. This account has 45 missed payments, that have been reported to my credit report for 45 months. 

This account has impacted my ability to be approved for car loans, credit cards, and any other lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

I am a capital one bank customer. My direct deposit paycheck was not received Wednesday per usual, I spent at least an hour trying to get a live person with their customer service but was continuously put on hold and then this morning when I call I am routed and then the line just hands up. I asked why my paycheck is not yet available for me and is XXXX days past due and I asked WHEN I will receive my direct deposit funds and was not provided any answers. I just need my money that I am owed, and that my employer paid me- but is being held up by the bank with no explanation, no updates and no information about when this will be resolved.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT AND I AM DISHEARTENED BY IT BECAUSE THERE ARE INACCURATE ACCOUNTS SHOWING UP EVEN THOUGH I HAVE NO IDEA WHY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Public Record from a XXXX XXXX XXXX filing on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed wrong addresses on my credit report several time and XXXX, XXXX, Experian still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.
Product: Money transfer, virtual currency, or money service

I used a atm machine outside the XXXX XXXX XXXX and XXXX bank to deposit cash into my account on XX/XX/2023 at XXXX XXXX After inserting the money, an error screen appeared and a receipt printed saying there was an error. I checked my online banking and there was no deposit and the machine did not expense my cash. It was a XXXX so i left a message, on XXXX I contacted the bank in person and they said they would investigate. After over a week i received a letter that they could find no evidence of an error and refused to pay me, despite being given the exact time of transfer and that receipt. The letter we received that stated i would not be getting credit was postmarked for the day I reported the incident in person. They also told my father they audit the machine at the end of the week. This makes me believe they did not check the reports to see unbalanced accounts and did not try to credit my money back. The corporate office has had no response.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
____________________________________________________ XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court : - XXXX XXXX XXXX XXXX XXXX ___________________________________________________ XXXX XXXX XXXX - Balance - {$540.00} Account number - XXXXXXXX XXXX XXXX XXXX XXXX Balance - {$560.00} Account number - XXXX XXXX XXXX  - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXXXXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX XXXX  - Balance - {$560.00} Account number - XXXX XXXX XXXX XXXXXXXX - Account number - XXXXXXXX XXXX - Paid off - Original balance XXXX {$720.00} Account number - XXXX ____________________________________________________ XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX  XXXX Inquiry date XX/XX/XXXX ____________________________________________________ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We have had our Mortgage with HomeLoanServ since 2015. We have had several instances over the years where our payments are being applied incorrectly. We make a partial payment on the XXXX, log in on the XXXX to make the rest of the payment, only to discover that the previous payment went towards interest instead of principal. We then have to call and have the situation reconciled every time this happens. When I called to file a complaint I was transferred around to 3 different people, and finally transferred to a man who just kept telling me I didn't understand how banks work. That if anyone using this institution were to make a partial payment at any time this will continue to happen, payments will continue to not be applied towards the monthly principal balance, and the consumer is expected to call them every time this happens. When I expressed that this is a shady business practice and sounds a lot like a scam, they purposefully change your payment to interest if it is not a full payment hoping you won't catch on and pay them extra money, he raised his voice at me and told me to go ahead and file this complaint, it wouldn't make a difference. The conversation lead me to believe this is a very common occurrence at the institution, where they apply consumers payments to the wrong option and expect them to call in to have it fixed, or they will continue to make double payments if they don't catch on that this is happening. 

I also have tried to download my statements to receive a detailed transaction history, and they are telling me that is not possible. My current XXXX statement shows I made 2 full payments and 1 partial which applied to my XXXX mortgage principal. When I called to inquire about this I was told one of those payments actually went towards my XXXX mortgage principal payment ( which one? ), but nowhere in my statement does it say that. I asked for a more detailed statement that would list exactly what month each payment was applied to and was told the company can not produce that type of statement. I was again met with condescending language, telling me I just don't understand how banks work.