23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We have 8 student loans with MEFA for my XXXX daughters. We have always had issues from the start about being late, behind or in default of our loans even though we have been paying the on time, and in most cases more than the minimum. MEFA sets up multiple loans for one person and expects separate payment on each and every one separately. That was never explained when we opened the loans and all the money we were mailing in was going to one account and none to the others under the same umbrella loan #. 
MEFA then sold our account to XXXX and then to XXXX and now to XXXX. Each time, the loan numbers were changed and the auto payments that my daughters were making were now going to a generic loan where they used the funds to first pay all interest and then spread payments randomly across all loans even though the payments were coming from separate bank accounts and going to specific accounts to help pay down the principle. 
We contacted MEFA, XXXX, XXXX  and now XXXX and this continues to happen to a point where my daughters are not able to keep up with all the changes and are constantly told their loans are delinquent, in default and are being sent to a collection agency, even though they are automatically paying on time and over the amount required. 
It is criminal how these loan servicing companies are managing over {$310000.00} of my daughters college debt and ruining my daughters ' credit rating. There is no one to escalate too who can address these recurring issues and no state board or legal entity to oversee these firms. MEFA is pillaging and plundering our children with loan shark terms and rates ( 7.9 % ). It is truly criminal how irresponsible MEFA and the loan servicing companies are with our youths future.
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 XXXX5 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Mortgage

Wells Fargo Bank manipulated input values to deny loan modifications under XXXX. My report proves it.
Product: Debt collection

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3400.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. XXXX has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. EQUIFAX has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and EQUIFAX has not complied accordingly. This leads me to believe EQUIFAX ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Product: Debt collection

XXXX I sent the collector a letter asking to simply validate the debt because seeing this mark on my credit report was quite surprising especially since I have received no prior letters or notifications of such. They sent me a mediocre letter listing a bunch of random charges that told me absolutely nothing about the debt. I didnt even recognize the physician they claimed performed the so called services and transactions. 
XXXX I asked them to send me anything I signed at the time of the services or anything at all bearing my signature which they ignored. 
XXXX asked for proof that they owned the debt, with no reply. Making matters worse, I have been going back and forth disputing for 5 months with them and the bureaus to find out they didnt even notate the item as disputed.
Product: Credit card

In XXXX XXXX XXXX, we asked for a quote from Lowes for a fence to be put in. The rep showed up, measured, told us the cost. As we were talking through things, he said they offered 12, 18, or 24 months NO interest. We took the 12 month option because it was the lowest monthly payment and then we set up autopay so that we didnt have to worry about missing payments. 12 months later we were slapped with {$2300.00} worth of deferred interest. The best that Lowes and Synchrony can offer is a 30 day grace period to pay off the entire balance to avoid the deferred interest. Our issue is that we were told by the Lowes Rep that it was NO interest. We would have never agreed to deferred interest. Whether intentional or not, his dishonesty and withholding of all relevant and pertinent information is unfair and is penalizing my family greatly.
Product: Money transfer, virtual currency, or money service

In XXXX  I was depositing payroll checks {$500.00} a week and wells Fargo was taking it all where I had a {$0.00} balance immediately after my deposits and seen where something saying I was XXXX enrolled and I went up to the offices of wells Fargo on XXXX XXXX and XXXX XXXX XXXX asking them to see how that's happening because I was going to loose my place to live them taking all of my money for months. They proceeded to tell me at XXXX years old I had no choice but to claim bankruptcy knowing they could have stopped those fees and whatever else was taking all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX BKPT CT IN XXXX XXXX not mine XXXX BKPT CT IN XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the cardholder for a XXXX XXXX Store Card Account in XX/XX/2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact XXXX XXXX directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that XXXX XXXX does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in XX/XX/2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.
Product: Debt collection

Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.
Product: Consumer Loan

On XXXX XXXX, 2016 Ally Financial sent me XXXX different letters pertaining to my disputes rewarding inquiries that I observed on my XXXX Report. I wrote Ally Financial a letter on XXXX XXXX, 2016 advising that I did n't recall giving Ally financial authorization to do a hard inquire on my credit report. Ally Financial has placed the burden on me to contact the original institution to verify that the inquire were authorized which is a violation of the FCRA ( 1681 ( a ) ( 4 ). Ally Financial is not acting in good faith because my individual dispute with XXXX regarding the inquire XXXX XXXX XXXX by Ally Financial, XXXX deleted the inquire from my credit report because they were unable to provide me any documentation that gave them or Ally Financial to conduct a hard inquire on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

In the XXXX XXXX at XXXX XXXX XXXX, we did NOT sign the clauses agreeing to pay any expenses beyond what insurance pays. We are only liable for what insurance has already paid XXXX XXXX XXXX. 

Even knowing this, XXXX hired Medicredit , Inc. debt collector to hound us. I talked to Medicredit asking them to provide proof of debt. I received a letter in the mail yesterday simply saying that " Medicredit , Inc. determined that the balance on the account is accurate and is your responsibility. '' I just called them and spoke to " XXXX '' and informed them that this letter is not proof of debt. I requested for a XXXX time that they provide the document I signed agreeing to pay any expenses BEYOND what insurance pays. They said they don't have access to those documents. Of course, they can't provide it anyway because I did NOT sign those clauses in the ER docs. 

When I suggested that I'll need to escalate this to the CFPB, she immediately hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
Product: Credit card or prepaid card

I ordered a {$13000.00} item online and received an empty box. The credit card company is denying my dispute, claiming it was done on a 3rd party processor. My credit card company is Barclays, gold luxurycard.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX issued by XXXX XXXX XXXX on XXXX XXXX and my application wasn't approved due to a freeze on my XXXX  report. My application ID is XXXX. 

I am very disappointed regarding this because the second I submitted my application I got a notification that XXXX XXXX XXXX pulled my XXXX credit report. 

The letter doesn't mention anything about the bank performing a hard pull on my report even though it did happen which is more than enough to view my credit history and credit score to evaluate an application.

Most banks whenever they have issues processing an application they contact the applicant and keep the application open for at least 30 days to be able to finalize it.But XXXX XXXX XXXX  just wants me to apply again after unfreezing XXXX   report so that they ding my XXXX  report again!!

My complain is that my XXXX report was pulled and my application was never evaluated based on that pulled report.

I tried to contact XXXX XXXX XXXX customer service about this but got a rehearsed response that I need to apply again after 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have been a customer of Credit Karma for 5 years or more and they would tell me that I was pre-approved or I pre-qualified for a credit card and then the credit card company would subject me to run my credit and then I didn't get approved for the credit cards damaging my credit report when they said it wouldn't damage it and now I have negative inquiries on my credit karma account every time I would try to get a credit card that Credit Karma said I pre-qualified or I was pre-approved for
Product: Money transfers

I found tickets from XXXX for XXXX seats at the XXXX XXXX concert in XXXX on XXXX XXXX. I bought these tickets from the seller and payed him through pay pal. The amount was {$490.00}. When I got to the concert the tickets that he sent me were not valid and I had to purchase additional tickets at the door. I have contacted the seller and he keeps avoiding refunding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored immediately.
Product: Credit card or prepaid card

I submitted Complaint XXXX ( summarized below ). Citi provided a response. However, their suggested instructions did not resolve the issue and were in conflict with the information the customer care representatives had. 

Complaint XXXX : I have a Citi Double Cash credit card that I've had for several years and use Citi 's accompanying ThankYou Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from Shop with Point and to remove XXXX from my ThankYou Rewards account. On the ThankYou Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XX/XX/XXXX and the representative checked with her manager and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/XXXX, I spoke with a representative and then his manager, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The manager told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that. 

I got a response from Citi on XX/XX/XXXX where they said, " As it states in the Citi ThankYou Rewards Terms & Conditions... if you were automatically enrolled or if you self-registered to Shop with Points, you would have received an email from that respective partner confirming the registration or enrollment and directions on how to de-enroll. '' This seemed like helpful information, so I found the email I received on XX/XX/XXXX that said my ThankYou Member Account had been linked with XXXX. In that email, there were no directions on how to de-enroll ( in direct contradiction to Citi 's CFPB response ). The only potentially useful information was the ThankYou Service Center phone number. I called the ThankYou Service Center on XX/XX/XXXX and ( like my call on XX/XX/XXXX ) the representative told me that there is no way to unlink my ThankYou Rewards and XXXX account.
Product: Debt collection

This debt is from XXXX I cant believe I even have to make this report and this debt is number XXXX, not mine and number XXXX, XXXX old so it still being on my credit report and hindering me from purchasing a home is absolutely unacceptable.. I deserve to be compensated for this egregious error..I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am a homebound XXXX XXXX retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( Credit Pros ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard n Im XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX