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

On XX/XX/2020 I noticed XXXX XXXX XXXX Bank also known on my XXXX  credit report as " XXXX '' account balance of {$1600.00}, to not belong to me. This account was opened as a result of identity theft, and was not authorized. I have disputed this item with the credit bureau 's and Experian and XXXX  are still reporting this incorrect fraudulent unauthorized information. This is damaging to my personal credit report and I wish to have this removed immediately under the financial burdens of covid-19 financially, I would not be approved or considered possibly for new credit if needed.
Product: Debt collection

Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.
Product: Vehicle loan or lease

Ally Financial is forcing me to take financial responsibility for errors associated with my auto finance account. My vehicle was repossessed on XX/XX/XXXX. On XX/XX/XXXX Ally Financial mailed me a " Notice of our Plan to Sell Property ''. The " Notice '' stated " We will sell your vehicle at private sale sometime after XX/XX/XXXX. '' I paid Ally the full relocation fee of {$1900.00} on XX/XX/XXXX and reclaimed my vehicle. The " Notice '' breaks down past due payments ( 3 of {$370.00}, 1 of {$370.00} ) = {$1400.00} Late Charges= {$93.00} Expenses ( Retaking the vehicle ) = {$400.00} Total Balance Due including Expenses= {$1900.00} On my XXXX Bill I had a miscellaneous charge over {$400.00}. On my XXXX Bill, it ballooned to {$900.00} in total miscellaneous fees. After several " recorded conversations '' with 14 representatives from Ally Financial, the 14th was able to explain that the miscellaneous fees may be associated with the relocation. I called the relocation department several times, and received a recording stating that my vehicle was not in the system and that I had to call back in 2 hours. My car at this time was not repossessed -- so they would not have the vehicle and therefore, it would not be in the system. As a final call to action, on XX/XX/XXXX, I sent a secure message to Ally Financial corporate office. On XX/XX/XXXX, I received a letter from Ally Financial regarding my secure message. The letter states, " The incurred repossession expenses in the amount of {$900.00}, which were allotted as follows : {$400.00} for the Involuntary Repossession -- * ( I believe this is the same {$400.00} aforementioned ( Expenses : Retaking the vehicle {$400.00} ). The letter dated XX/XX/XXXX has a {$500.00} charge for the key fee. ( To prepare a vehicle for sale, personal items are removed from the vehicle, as such a key was cut to do so ). A key was never cut, I reclaimed the vehicle before it was put up for sale. The {$370.00} credit Ally mentioned was never applied to my account on XX/XX/XXXX ( see attached letter ).
Product: Student loan

On XX/XX/2022 we made a payment of XXXX to Sallie Mae, that payment came out of our bank ( XXXX XXXX ) on XX/XX/2022. On XX/XX/XXXX we checked the Sallie Mae web portal and saw 3 payment reversals and 1 payment rejection. Ive called them 3 times in the last 4 days and they tell us they returned the payment but refuse to send proof or supply a transaction number, they also say it was applied but cant explain why the web portal says it was reversed/rejected. On XX/XX/XXXX we checked with the bank and they say the payment came out and was not returned. Sallie Mae keeps demanding another payment. I have attached screen shots from the Sallie Mae web portal and XXXX XXXX This is especially important because we are in the midst of a home purchase. XXXX XXXX is auditing their system to see if that amount was errantly returned to someone elses account, no word on that yet.
Product: Student loan

I recently completed a direct consolidation with the Department of Education to enroll in the Public Service Loan Forgiveness Program. After consolidating and beginning payments under the income based payments with XXXX, my loan was transferred to XXXX  XXXX. I was notified that I needed to make a XXXX payment to XXXX, but had already made a XXXX payment to XXXX on XX/XX/XXXX. It's XX/XX/XXXX and XXXX is still hounding me about the payment I made on XX/XX/XXXX. Additionally, they have required me to reapply for income based loan repayment plan even though I had already completed that process. I have spoken with their customer service representatives about this issue, but they haven't done anything to stop me from being harassed about a payment that I've already made. I expect better service from someone who is profiting from servicing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I check my XXXX, Experian, and XXXX After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.
Product: Student loan

I have previously filed a complaint on this same issue previously. Nelnet is still reporting 120 days past due on my XXXX credit report. Account # XXXX. This account was opened on XX/XX/XXXX, it was last updated on XX/XX/XXXX negatively. I previously requested for this item to be deleted. This is a old trade line, yet this item is affecting my credit score. I made contact with Nelnet, regarding this account I was provided no help.
Product: Debt collection

They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone calls.
Product: Credit card or prepaid card

I hope this letter finds you well. I am writing to formally lodge a complaint against XXXX credit card regarding the extremely disappointing experience I have had with their credit card services. I believe that their practices have violated consumer protection regulations, and I kindly request your assistance in addressing this matter. 

I opened this credit card and used it only once for a total of {$490.00}. 
I applied for auto payment, and although my bank balance was sufficient, the payment was not made on the scheduled date, and they charged me a return check fee for {$30.00}. 
And {$12.00} of interest charge was followed after. 
As soon as the issue arose, I asked them for an explanation and double-checked the information to ensure that the payment could be resubmitted.

I noticed that the amount was posted five times on my bank 's website, so I immediately raised the issue. 
During the chat, they informed me that my payment had been successfully processed. 
However, a few days later, I discovered that they had charged me a {$30.00} returned check fee again. I explained the situation over a phone call and was able to make the payment again using a debit card. So far, they have charged me over {$70.00}.

They promised to refund the fees to me later if I paid all those amounts, and I made the full payment. However, despite a considerable amount of time passing, the refund has not been received.

When I called them again regarding this issue, they informed me that they are unable to refund the charged amount.

I still don't know what went wrong with the bank information I provided.

I have been using that bank for over 10 years, and until now, there have been no issues, and my balance has been sufficient.

The fact that I am being charged {$30.00} every time I try to make a payment through my account has caused me a great deal of distress.

The realization that they are making money so easily has made me angry.

It seems like they are charging customers for mistakes that are caused by their own system, without taking any responsibility or making any effort to rectify the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear EQUIFAX, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX XXXX Amount : {$1100.00} Account # XXXX Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX XXXX  Amount : {$0.00} Account XXXX XXXX Party Owed : XXXXXXXX XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$2700.00} Account # XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$370.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$240.00} Account # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report.Enclosed may be additional evidence to support my claim. 

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

OnXX/XX/2018 I requested that XXXX verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 XXXX responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, XXXX in error is naming XXXX XXXX XXXX XXXX  the grantor of this alleged account.

On XX/XX/2018 I requested a method of verification ( see attached letter ) from XXXX investigation and has not received any information from XXXX alleged investigation, I have also submitted a second request written request to XXXX  in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success.

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX  ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX fail to validate this alleged  account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
Product: Money transfer, virtual currency, or money service

I have many transactions I did not make in the past and as of recently, I cant get far back into my cash app cause my phone glitches and take me back to the top. So there no way on some transaction I can get the balance and date for my previous complaints. And the most recent it said I made, that I did not make was {$5.00} on Monday of this week but it goes back further I just have to keep my card lock at all time now.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains accounts that I have no knowledge of. I never opened these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This is unacceptable, and I need immediate clarification on why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : 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 written instructions 5 U.Sc. 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. 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 accurate.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to withdraw funds from my Bank of America ( " BofA '' ) EDD debit card. I noticed the balance was suspiciously low and contacted BofA. A BofA representative confirmed my fears that my account was fraudulently debited on two transactions for a total of {$1100.00}. According to the BofA representative, on XX/XX/2021 at XXXX XXXX there was a withdrawal for the amount of {$1000.00} at an atm on XXXX and XXXX. On XX/XX/2021 the next day at XXXX XXXX, there was a second withdrawal for the amount of {$180.00} at an atm on XXXX XXXX XXXX. I have never set foot in either location and did not make these withdrawals. Upon contacting BofA my account was closed and cancelled, I was not allowed to access or make further withdrawals on the account. After some back and forth, I was directed on XX/XX/2021 to contact EDD and told that BofA did not make the account closure. I contacted EDD and after about a month, my benefits were restored. However, the BofA account remained inactive. I am currently receiving paper checks from EDD instead of direct deposits into the BofA account. This is satisfactory to me, but I seek to have the stolen funds to be resolved. As of XX/XX/2021 I received a new debit card and reset my PIN with BofA and have access to the remaining funds on my debit card. I still have not received a refund on the two fraudulent transactions and BofA has not replied to my request to re-open the investigation. On XX/XX/2021 I had a conversation with a BofA rep named XXXX from the risk department. She verified my information and confirmed that BofA would look into my claim. I waited until XX/XX/2021 and called BofA again to check on the status of the claim. I was told by a BofA rep named XXXX on XX/XX/2021 that BofA has not re-opened my claim and that they need to refile my form. She instructed me to be patient and that I should receive a letter in the mail updating me on the status of my claim and that I should not worry because the funds will be restored. It is now XX/XX/2021, approximately 3 months after the two fraudulent transactions, and I have still not received any communication or resolution regarding my claim. Although {$1100.00} may seem like a small amount to a company with assets the size of BofA, it is a significant amount of money for someone like myself. I need the funds to take care of bills and support my children. The longer BofA delays in refunding these funds, the more financial stress my family is under. I am hopeful that the CFPB will assist in resolving my issue. I have attempted in good faith to resolve the issue with BofA and assist with any information that I can provide. However, it is apparent that this is a low priority to BofA, as I have not had any luck in resolving the issue. Thank you for your time and assistance.
Product: Consumer Loan

Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....
Product: Credit card or prepaid card

I tired to make a purchase on XX/XX/2018. I called Citibank credit card and they could not verify my account through the phone number I gave them. They said they would send a verification letter in the mail. 3 weeks and several phone calls and I still cant use my card, pay my bill, log into my account, or even report the card stolen. They asked for another credit card number to verify. I gave them my XXXX XXXX  card number that Ive had over 3 years. They still couldnt verify my account. They are doing nothing to resolve the situation. I got my bill in which I cant pay but no way mail to verify the account. I asked them to send an email. They wouldnt do that. I cant make a payment or report the card stolen and I am worried they will try to make me pay a late fee.
Product: Credit reporting or other personal consumer reports

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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