23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal student loan servicer is EdFinancial. I remitted a payment on XX/XX/XXXX for my XX/XX/XXXX installment. This submission was not allocated to the monthly payment. I called to have the payment reallocated to post the XXXX installment and was told my the representative that they could submit my request to the finance department but it would take 60 to 90 business days to process. I then submitted two written requests through their online portal with the hopes of a quicker processing time ; only to have a response email sent back to me reiterating the 60 to 90 business day timeframe. A timeframe of 60 to 90 business days to reallocate a payment to have it go towards the monthly installment and roll the due date imposes significant risk to a person 's credit score unless they double payments intermittently as multiple due dates will continue to come through at that time ; it also has the potential to cause great confusion to the allocation of the continued payments being made in between, because if the due date has not changed and payments keep being made, what will be the effect of those payments ' due dates after 90 days when they reallocate the first payment request. This is an absolutely ridiculous timeframe, it's moving the payment I made to rolling the due date. I know EdFinancial has a department head over Finance that can easily go into the computer system and manually adjust my {$250.00} payment made on XX/XX/XXXX and have it post the XX/XX/XXXX installment ; and then adjust the second payment I had to make on XX/XX/XXXX to go towards my XX/XX/XXXX installment. I do not want to continue to submit requests for each payment because it will take 90 business days just to get the original one handled so that the following are also good to go. I also do not want to be late on my payments as I never have been and I can afford my one payment per month but due to their outrageous time efficiency issues I am being forced to choose between spending extra money or risk being past due. That's ridiculous in this post-COVID time when I have not opted out of making payments and have made every single monthly payment since I graduated college in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a notarized FTC report to Experian and called a day later to follow up. The rep hung up on me within seconds. I called back today because I still didn't get a response and they hung up on me after they said they would verify if they received the FTC report. I can't get through to them and they aren't taking my file seriously. Identity theft has caused me major damages over the last year, leaving me with unauthorized inquiries on my credit report. According to the FCRA, by law, unauthorized inquiries must be removed. I have filed an FTC report per my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXXXXXXXXXXXXX [ REPORTING TWICE! **WHY?? ] ; XXXX XXXX XXXX XXXX. I have reached out to Equifax via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that XXXX, Equifax, and XXXX are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, if any of these companies choose not to cease reporting, please have them provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm responding due to a Fraud case on my credit report. I've enclosed a letter from the FEDERAL GOVERNMENT stating I'm a fraud victim. I never requested information from XXXXXXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX and Informative Research XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unauthorized, and unverified inquiries. These inquiries are hindering me from utilizing my credit. The unauthorized inquiries will be listed below and according to the FCRA they should be removed immediately. These inquiries are being reported to all three credit bureaus XXXX, XXXX, and Transunion and needs immediate removal. 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: Bank account or service

I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this item immediately : XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a MGM Rewards Mastercard through First National Bank of Omaha with a credit limit of {$14000.00}. In XX/XX/2023, I noticed charges in excess of {$200.00} from XXXX. I called FNBO and they closed that card and reissued me a replacement card with a different number. On XX/XX/XXXX, I made a payment of {$10000.00} to my existing balance. On XX/XX/XXXX, FNBO then cut my credit limit 80 % from {$14000.00} to {$2800.00} even tho I had NEVER been late on my payments or made a payment that didn't go through. In fact, since I used that card frequently because of the rewards program, it was not uncommon for me to make several large payments in a month so I could continue to accrue points. When I called FNBO I was told that they would not discuss this with me, that I would get a letter in the mail and that nothing could be done about this. I informed them to close the new account and promptly stopped payment on the {$10000.00} payment I just made with the premise that I would just continue making the minimum payments until paid in full. This reduction in my credit limit resulted in FNBO showing me over 450 % over my credit limit, thus dropping my credit score over 70 points. I have tried to get FNBO to resolve this issue numerous times even offering to pay the card off in full, but they denied it every time. I explained to them that I NEVER used the card after they reduced my credit line and the way they are reporting it to the credit bureaus was incorrect, unwarranted, wrong and irresponsible. The way it shows on my credit report indicates that I excessively used their card to gain monetary gain which never was the case. My outstanding balance occured when my credit limit was {$14000.00} NOT {$2800.00}. Also, during my time disputing all this, they show me 30 days late on my payments but the minimum payment they said I owed was over {$10000.00} because they cut my credit limit so severely. I have since gotten them to agree to what the minimum payment should be AND I brought the account current was that was agreed to by FNBO. I currently have credit card credit lines in excess of {$110000.00} and have NEVER been late with my payments.
Product: Debt collection

On XX/XX/2017, I requested validation from XXXX XXXX regarding a collection they are reporting with the three credit bureaus. As of this day they have failed to validate the alleged debt they are attempting to collect. Since they continue to report this to the credit bureaus and have failed to validate the debt they are in violation of the FCRA and my rights. I've sent the attached certified letter with return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. The items in question are as follows : 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 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I was not aware of these fraudulent charges on to my credit report of XXXX $ from advanced America and these fraudulent hard inquiries on my credit report i did not authorize these companies to run my credit, this is fraudulent 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 yes i made an report to the identitygov
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I used the XXXX XXXX app to transfer {$200.00} from my XXXX XXXX checking account ( debit card ) to my sisters XXXX XXXX   account. As of today, XX/XX/XXXX, the transaction still shows pending. The recipient ( my sister ) has still not received the funds. We have made four phone calls to XXXXXXXX XXXX, each call taking between XXXX minutes to XXXX hours, and each time have been told it will be another XXXX hours for XXXX XXXX   engineering team to fix the problem in their system. Today, I was on the phone for XXXX minutes and was told yet again they are working to fix the problem but cant tell me when. In my mind, XXXX has stolen not only my money but also my time which is of even greater value at this point than the formentioned funds. XXXX XXXX needs to be shut down. They are misleading consumers and are not able to live up to their terms of agreement. After XXXX weeks, I label this as theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with XXXX, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents.

Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.
Product: Checking or savings account

My account was overdrawn due to an atm withdrawal and another company that kept trying to take an auto payment out. Which I was then charged a nsf and return charge payment. I banked with Wells Fargo since 1996. The past two years I believe I incured over a hundred overdraft fees. They closed my account from being negative XXXX. And almost all of it was for fees that they charged me. They closed my account and didn't notify me. When I called them they sent me a letter to only contact this one person and to have my attorney contact them. Which I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Mortgage

I paid the balance of my home mortgage in XX/XX/2020 and have not received a satisfaction of mortgage letter from the lender, XXXX XXXX. I have phoned the lender numerous times starting in XX/XX/2020 and they continue to respond by stating they are placing the request for the letter but they will not allow me to speak with anyone from the department responsible for creating the satisfaction letter.
Product: Debt collection

Purchased a product from XXXX for approximately {$360.00} it did n't work and I returned it. The bill from American Express kept demanding payment for something I returned to the store. I do not owe this money and have never used the American Express subsequent to this purchase, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Trans Union dated XXXX, XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Product: Credit card

I have been a good customer of Capital One credit cards for four years. I also bought and paid for XXXX cars through Capital One bank. I have never once been so much as late on one payment. Recently, they asked me to switch to a new credit card called the Quicksilver. I switched, and the day I activated the new card they froze it and stated that they had concerns with my identity. I verified my account to them and they still would not tell me what they wanted. When I called customer service, they indicated that they would be sending me an email that explained things but would not tell me again what the problem was. I asked for a supervisor, they gave me one, who again would not tell me what the issue was or what the problem was. Again zero resolution and the service agent just kept talking over the top of me and telling me " what Capital One was going to do. '' So I said I wanted another supervisor, and he told me I would have to have one call me back in 72 hours, so I told him I wanted a supervisor and I would wait for one. This bank offers its customers the worst treatment of all time. They treated me like a criminal. What is worse is they indicated that although they have concerns about who I am they will still send me a bill, which I can then pay out of my bank account. So I told him I wanted to pay off the card, bring it to a XXXX balance, and then keep it open but never use it again. They said they would not process the charges. At this point I need your agency 's help to resolve this issue and no longer desire to speak to Capital One without your help.
Product: Credit card or prepaid card

The date : XXXX the amount : XXXX XXXX  points The process : Since I own an American Express ascend XXXX credit card, I should get XXXX XXXX points if I refer this card to my friend successfully. Then I refer this card to my friend and he applied successfully. After he satisfied all the requirement to get the reward, he had all the points he should get. However, I DID NOT receive anything from American Express. Then I called the American Express customer service twice. The first time I called them, the customer service claimed they have already given me the points. But the reality is I did not receive anything from this promotion action. I also checked the XXXX customer service and XXXX confirmed that I did not receive the points from XXXX after I refer my friend. The second I called the American Express credit card service, they changed another representative and the representative said they will schedule a point payback to me on XXXX XXXX. However, after I waited until XXXX XXXX, nothing happened. American Express still owed me XXXX points for referring my friend.