23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with US BEST CREDIT XXXX  in XXXX of XXXX. They promised my credit score would be high enough to get me into a home by XXXX. Well XXXX comes and I apply for a mortgage and am denied stating my credit is no where near where it should be to qualify for a home. I made two payments to US BEST and then a lump sum for the remaining of the balance. My personal information has not been disputed and that's the first thing that should have been done. I was advised by US BEST that the person who was over my account " XXXX, '' no longer worked at the company but when my fiance called, XXXX picks up the phone. That is lie number one. I spoke with XXXX about sending off disputes which she said would be sent out that same week but when I emailed her about an update she said my file was on her desk and she would have more information when the audits were sent out. The same audits that were already supposedly sent. That's lie number two. I never received correspondence from any disputes that were sent out by them and apparently my credit is still bad. I paid for a service that I did not receive and was made promises that were not kept. The program is not over for me into XXXX they stated, but there's no way my credit could improve enough to get a house by the time my lease is up. I am wanting a refund because I have no good credit and now am out of thousands of dollars. This is a HUGE inconvenience for me, my fiance and my kids as we will have no where to stay now. My fiance also paid for services and his account was not even touched!
Product: Money transfer, virtual currency, or money service

someone was able to transfer money from two of my checking accounts through XXXX, {$3500.00} from one account and {$1500.00} from another, on XXXX XXXX, 2024. Wells Fargo says I, or someone acting on my behalf authorized these transactions ... XXXX called the bank the same day the funds were taken from my account, and they should have been able to track or trace or retrieve my monies ... .They did nothing. I talked to several people in their fraud dept. call center, never anyone in the actual fraud unit, and all they can do is look in a computer and tell me what they see, or wait for an email from a boss and relay it to me... .one lady in one telephone call did tell me my money went to XXXX XXXX XXXXXXXX XXXX.
Product: Student loan

I applied for a different repayment plan when i realized i could lower my monthly payments at the end of last year. When the repayment plan was processed, it was erroneously processed and capitalized interest was not added into the plan, causing an additional amount to show up as " past due '' on my account. In addition, i was not even contacted about the repayment plan being approved until after I called multiple times to check on the plan status and what the new payment would b due and it was not until XX/XX/XXXX that i even received the letter confirming this. I called muliple times and was told my " application was still being processed '' even though it was submitted at the end of XX/XX/XXXX and initally was given an incorrect payment amount via email. 

I have never missed an account payment as I am set up on an auto-pay plan. I filed for an income driven repayment plan because i can not afford the burdensome amount of the standard repayment plan. To then receive multiple notices from the student loan agency saying that my " delinquent '' payment has been reported to credit bureaus, then have to file a credit dispute form, all due to their administrative error is absolutely unfair. I followed all of the steps advised by the student loan agency once they admitted their error. They said that they would retract the negative credit reporting due to their error, but just in case to file a credit dispute form. 

After almost a month of waiting for them to actually process the fact that XXXX was incorrectly charged to me based on their administrative error, I called back and was told this was still processing. I then received a notice that stated the credit dispute request denied. This student loan agency is irresponsible in administering student loan and giving advice to its borrowers and does not have a timely method of resolving disputes that should easily be resolved through their administrative system. 

When i asked for documentation of my calls and requests regarding this matter, I was also told that none of the documentation of their error could be put in writing because they don't send individual letters to people. The only documentation of the information i was provided is through the multiple telephone calls i have made throughout the month of XX/XX/XXXX and beginning of XX/XX/XXXX.
Product: Credit card or prepaid card

Fraudulent charge of {$89.00} appeared on my Citicard statement during XXXX, XXXX for a jar of women 's face cream which was not purchased or received. I immediately contested the charge by calling Citicard customer service which indicated that Citicard was aware of the face cream company ( name unknown ) making fraudulent charges. The Citicard rep said she would reverse the charge and suggested closing the card to prevent further unauthorized charges, which I did. While recently applying for a mortgage re-financing, a banking officer informed me that my FICO score had dropped from XXXX to XXXX due to a delinquent balance of {$190.00} owed to Citicard. Further research determined that the delinquent balance was comprised of the fraudulent face cream charge of {$89.00}, plus Citicard penalties and interest. Corresponded with Citicard on XX/XX/XXXX to dispute the charges, but have received no reply to date. Have also copied XXXX XXXX, and XXXX on my correspondence to Citicard.
Product: Credit card

On Sunday XX/XX/XXXX I tried to make a full payment pay off the remaining balance of my Robinhood XXXX XXXX. As you can see in the video it was not allow me to pay the card. I tried reaching out to them via phone but when I called the number it said it only handles checking and savings accounts. So they can have me pay interest on this full amount even though they're not letting me pay my money seems very suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points today. I want a clear explanation and resolution as to why my credit score would have dropped significantly! All the remarks reflect a new credit card was opened with XXXX XXXX  on XX/XX/23 which should have only dropped my score XXXX points. Equifax is not only in violation of my rights. They are misusing their own systems of credit reporting. This issue needs to be fixed immediately! I have called and submitting a dispute on their website in regards to this and have yet to recieve any update
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Company recorded several incorrect credit information on my credit report then when trying to contact by usps they refused information.
Product: Debt collection

Dear NCB MANAGEMENT, I am writing to formally demand that you cease and desist all collection activities, including any threats of wage garnishment, related to the alleged debt referenced as.It has come to my attention that your company has been pursuing aggressive collection efforts, including the threat of wage garnishment, in relation to the aforementioned debt. I dispute the validity of this debt and request that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) .Furthermore, I demand that you immediately cease all communication with me, including but not limited to phone calls, letters, and emails, regarding this debt. Additionally, any attempt to garnish my wages without proper validation of the debt will be considered a violation of my rights under the FDCPA and other applicable laws.Failure to comply with this demand will result in legal action being taken against your company. Please be advised that I am prepared to take all necessary steps to protect my rights and interests.

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

Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

They're are several unathorized account son my credit reportl that i do not recognize
Product: Student loan

Nelnet has been continue to compact interest in my student loans since Covid 19 freeze on student loan payments and put me default without any documentation are attempts to allow enter income driven repayment plan.Since president Biden pause on student loans and student loan forgiveness the continence to charge me interest on my student loans.No one with federally-held loans has had to pay a single dollar in loan payments since President Biden took office. I want to know why they keep charging me interest reported my loans in default. I called to try get loans out of the default status I was told they weren't my loan servicer and then told Income driven plan If cancel my borrower defense application.I told unethical and illegal. US Dept Edu verified they are student loan servicer they never responded to my emails or phone calls.
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 account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX  account # XXXX Account Name : XXXX XXXX account # XXXX Account Name : DEPARTMENT OF EDUCATION / XXXX  account # XXXX Account Name : DEPARTMENT OF EDXXXX XXXX account XXXX XXXX Account Name : XXXX XXXX XXXX account # XXXX Account Name : XXXX XXXX account # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX Account Name : XXXX XXXX XXXX XXXX account # XXXX Account Name : XXXX & XXXX XXXX account # XXXX Account Name : XXXX XXXX account XXXX XXXX Account Name : XXXX XXXX XXXX account XXXX 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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my FULL FILE DISCLOSURE report from Lexis Nexis and received a letter with a link to obtain my file on-line. The Lexis Nexis report is so bad that I can not even begin to dispute except to  say that I am NOT receiving a FULL FILE DISCLOSURE report from Lexis Nexis to include the following reports : ( 1 ) XXXX  . Report for Auto : Summarizes auto insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of auto insurance underwriting. 

( 2 ) XXXX XXXX Report for Property : Summarizes property insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of property insurance underwriting. 

( 3 ) XXXX XXXX XXXX : Summarizes historical home and auto coverage information provided by participating insurance companies. It is used to assess current insurance coverage as well as identity gaps in prior underwriting. 

( 4 ) XXXX : Provides attributes using public record data. It is used for insurance underwriting and insurance prescreening. 

( 5 ) XXXX XXXX XXXX : Provides search results from public records. It is used to asses applications and renewals of insurance underwriting. 

( 6 ) XXXX Report : Provides search results from national court records regarding bankruptices, tax liens, judegments. It is used to monitor developments that could affect a current account relationship. 

( 7 ) XXXX XXXX Report : Provides search results from public records, including property and personal information. It is used by public assistance agencies to evaluate applications for government benefits. 

( 8 ) XXXX XXXX Report : Provides search results from public records. It is used to determine a consumer 's ability to pay an oustanding debt. 

( 9 ) XXXX XXXX XXXX XXXX Report : Provides search results from public records. It is used for underwriting life insurance. 

( 10 ) XXXX Report : Provides search results from public records. It is used by lenders to evaluate an applicant 's ability and willingess to repay a debt. 

I do have a XXXX Auto Report and it has a FRAUDULENT person named XXXX XXXX, XXXX XXXX XXXX, XXXX, NH with an insurance company PA XXXX XXXX XXXX XXXX date XX/XX/2019 for {$390.00}. This was reported to the XXXX, NH Police Department as FRAUD and identity theft by my son, XXXX XXXX XXXX, age XXXX and it is now appearing on my Lexis Nexis Report. This is criminal to continue to report previously disputed items and now appearing on my XXXX XXXX report. 

All of the above reports are NOT provided to me and instead, I am receiving a mish mash of data. Please be advised that I video-tapped the entire file obtained from this Lexis Nexis link to prove how bad this report file is. It is definitely not pulling from public databases as there is so much information that is missing and so much information that is wrong.
Product: Vehicle loan or lease

I had an issue with Santander Consumer XXXX accepting my vehicle payment via ACH as to not have to incur additional fees. 

On my first payment I utilized XXXX ( for which i too complaint to CFPB as the did not pay the companies as I had asked them too ) I gave them the routing number and checking account number yet for an unknown reason they XXXX did not pay Santander Consumer as I had requested them too there by making my very first car payment late but not only that they also made me incur additional fees all which i paid to Santander, in fact. When I found out that they payment was not made I immediately made payment in full for the entire amount to Santander Consumer that was over {$900.00}. 

Well due to the fact that XXXX failed to do what I had asked them to do with my moneys. I decided to close my account and referred them to the appropriate agencies that over see banking, as this company made me incur fees etc not just with Santander but XXXX XXXX and others. Very much negatively affecting my credit etc. 
Nonetheless I acquired a new bank account with XXXX XXXX, however Santander disabled the ability for me to make a payment via ACH with my new account. This is wrong as they now want me to make a payment to my loan via a service that makes me incur additional service fees to make my monthly payment. 

This company is all ready known for their egregious unethical and immoral behaviour when it comes to servicing consumers. They have been subject to numerous lawsuits and complaints by Attorney Generals from 34 states including my CALIFORNIA attorney general. They failed. I have chat logs where I asked the customer service agent regarding this and she was unable to provide me with a solution or a reason why they have refused to allow me to make payment via my bank account as they so blatantly advertise to all customers including my self still. 

They denied my ability to make a payment that doesn't incur a fee. In Fact just this month I was trying to pay through their website even though I would have to pay an extra fee just to pay my loan but they still wouldn't allow me to.. for some reason they blocked me from that ability as well, i had no other choice but to make a payment via the phone and through my card visa their by incurring even more charges than I would have had I been able to pay through the website it self. I called them and the provided me again with NO help or solution. Ive had to pay extra on top of extra to just pay my loan.. I want justice and fairness, I want to be able to pay my loan like everyone else and I don't want to have to pay even more fees. They all ready have charged me an extremely high APR .. This company is abusive and should not be allowed to be selective, I opened my new checking account just so i can make payment of my car but Santander Consumer wont let me pay my car loan with out extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  TransUnion and XXXX  on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Product: Credit card or prepaid card

I placed an order of several items from a company on XX/XX/2021. 

The order was finalized on XX/XX/2021, and charged on my HSBC credit card. 

It was billed to XXXX on my credit card. 

However, I emailed the company to cancel the order and return the items, which I did. 

On XX/XX/XXXX, the company replied that they received my return shipping receipt with the tracking numbers and the refund would take 3-5 business days. 

The issue is that the charge is still on my credit card statement, and I reported the dispute to HSBC.
Product: Debt collection

Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To : The Office of Registered Agent for Spring Oak Capital LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have XXXX days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX