23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I obtained a secured credit card from WELLS FARGO in 2014. This secured card was for the amount of {$300.00} I obtained this card under the guise that it was a tool for rebuilding my credit and that if i used the card an made my payments on time that the limit would go up and that that it would become a regular credit card. I have had this Wells FARGO secured credit card for over 3 years. in that time i have never made a late payment nor even so much as waited for my bill. In fact I have, consistently, paid this card off in full every month. <P/>
I have patiently waited for Wells Fargo to increase the amount and return my {$300.00} as promised for proper usage of this card. Instead i have been paying annual fees as well as usage fees and and exorbitant cash advance fees for it when it covers as overdraft protection for my well bank account. ( I have another credit card from XXXX XXXX that i obtained well after the Wells Fargo card and it was almost immediately increased and no longer a secured card. over a year in fact. ) My main problem with Wells Fargo, this card and their inappropriate action is : I am currently attempting to purchase a home. i have learned that this card has actually been detrimental to my credit and credit score due in fact to none other than its minimal limit. I. E. I rent a car for the weekend and it costs me {$160.00} however XXXX puts a standard {$300.00} hold on any card for security purposes. Well this shows on my credit score as exhausting my available credit resources, or at the very least exceeding the preferred 30 % usage of available credit. having and using this card regardless of payment history has held my score back not improving it. ( by the current standards the only way that this card would improve my limit is by my having it, paying fees for it but never using it! ) What has it done to those less fortunate and with less income who could barely afford the {$300.00}. to start. How much money and fees have i paid for the usage of my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 that 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 that person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.
Product: Debt collection

Hello I have sent a letter to this company letting on XX/XX/2022. I have sent dispute letters along with ftc report letting them I have been victim of id theft and they are refusing to remove I have sent disputes on XXXX to no avail they are refusing to remove this despite me sending eligible documents for it to removed from credit report The amounts the collections {$460.00} {$850.00}
Product: Bank account or service

Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; If XXXX  and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

My mortgage payments were stolen for the months of XXXX back in XXXX from the USPS, I mailed them out and they never reached my mortgage company. Theres an active investigation, my money is in the process of being returned. In XXXX I applied for the HAF program and was approved on XX/XX/2022. HAF has agreed to cover 6 months of payments. XXXX, XXXX, and XXXX for back payments and three months forward. I have been calling my mortgage company keeping them informed about payments. I have even emailed them copies of the approval from the HAF program. I was told today that they can still proceed with the foreclosure process. They have not placed any flags in my account about the HAF program. My mortgage company is expected to start receiving the back payments on or around XXXX XXXX. I am concerned because theres no one I can speak with to clarify and notify that those back payments are going to be made through HAF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.
Product: Debt collection

Commentity Bank has harassed my family and myself with multiple calls per day. They gave called my sister, my mother and my aunt with the most recent being XX/XX/19. NONE of the people are listed as contacts on my account with them. They illegally contact them and share private financial information that I never allowed to be discussed.
Product: Money transfer, virtual currency, or money service

eToro *refuses* to return my money- they refuse to transfer any assets in kind, and they are forcing me to liquidate at a SIGNIFICANT loss ( more than 50 % loss ) before they will give me anything at all. The withdrawl process takes two apps and is so complex I am unable to determine what exactly to do to get my assets out of the platform and into another place ( other wallet )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online and on the phone entered the proper pin and social security number and Experian still requires me to send them more info through the mail and then wait a week before they will unfreeze my credit. Unlike the other two credit services they do not give the option to speak to a human.
Product: Student loan

MOHELA is my loan servicer. I called MOHELA to find out if my payments for each month would go towards my PSLF timeline as I am a government employee. They indicated that because my loan is in forbearance, any payments made while in forbearance are not eligible for PSLF. They indicated that my loan would need to be changed to the repayment status in order for payments to count towards PSLF. I then requested to have my loan status be taken from forbearance and changed to in repayment. They told me this change would take 78 days to take effect. I was notified that payments made during the transition would not count for PSLF and while it is transitioning out of forbearance, I should not make any payments. I then received a bill from MOHELA in the first week of XXXX stating I need to make a payment of {$260.00}. I checked my loan status at this point and it still said in forbearance. I then called MOHELA and asked why I am being asked to pay if my loan is in forbearance when I was told to not make a payment until the change is in effect. They stated to me to not worry about it and not to pay it. They also stated the balance would just carry over and stay the same, not add up each month of the transition time. They DID NOT indicate that the balance would increase and I would show as delinquent in my payments. They told me this would not happen but it did. I owe {$530.00} and am showing delinquency of missed payment. They misled me with information which is resulting in me owing more and making an impact on my credit report. They did not say that during the transition, that the monthly payment would continue to add up. Ultimately this means that when I am in the repayment status, I will owe for all the previous months the transition was taking place in and still be showing as delinquent. I clearly was misled by the company and feel this is a form a fraud to extort more money out of money with misinformation. They also stated I would be emailed with notification that my student loan is officially in repayment. I got no notification of this and was left under the impression that I am still in forbearance, considering the fact that it had not been 78 days since the request and I did not receive any form of notification.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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, Account name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pmab llc is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

The account informations and addresses are not mine. 
XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX  Account Number XXXX OFFICE OF THE ATTY GENER Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX/XXXX  XXXX   Account Number XXXX XXXX/XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX MAIL RETURN XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, XXXX , and XXXX  , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
Product: Credit reporting or other personal consumer reports

My Experian report is not able to be accessed directly on their website or through credit monitoring. Please unlock my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX, Equifax and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining 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 and pursue legal action..Inaccurate Addresses : 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: Checking or savings account

I put my substantial nest egg ( approx {$200000.00} ) with Capital one 360 savings account some years ago, because it was a leader in paying what was at the time a decent interest rate compared to other banks. As interest rates rose on savings accounts nationally over the last couple of years, I refrained from moving my funds from Capital One 360 Savings to another firm because I saw that Capital One Performance 360 savings was advertising rates that were keeping pace with the market, compared to other high interest rate paying firms. And therefore assumed that the savings interest rate I was getting was keeping pace with the market, so I didnt bother to looking into switching to another bank only to gain what I thought would just be a small difference at most, figuring it wasnt worth the turmoil, given that my credit card, checking account, etc. was with Capital One and I liked doing business with them. Because I didnt recognize the distinction between Capital One 360 and Capital One Performance 360, my money sat making barely any interest ( in the .3 % range ) when the market was paying XXXX % and higher ranges. I lost out on substantial amounts of money ( actually thousands ) because of Capital Ones deceptiveness. Is there any way for me to recoup some of these losses? When I spoke with Capital One they said there was nothing they could do. After that discussion, I pulled my money from Capital One and placed it with XXXX XXXX Please advise.
Product: Debt collection

sent a notice to rescind the contract on XX/XX/2023 and it also came with a cease and desist. The contract 's full disclosure was not given to me and the contract was made fraudulent by the car dealership. I did not receive any notice saying that my car will be repossessed and my car was stolen from private property on XX/XX/2023. The bank is acting like they gave me the loan but was only the intermediary of the secured transaction.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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: Credit card

I have a BP Visa card previously issued by XXXX and sold to Synchrony. I did not receive a final bill from XXXX, but when I received my first bill from Synchrony, I was told I was delinquent for failing to pay my last bill. While the interest charges are minimal XXXX {$4.00} XXXX, I have never missed a credit card payment before and would not have missed this one had XXXX & Synchrony taken better action to transition the account. Further, I am concerned about a negative mark on my credit report. From speaking with a representative at Synchrony, I am informed that my bill was posted online by XXXX XXXX paperless billing ) on XXXX XXXX, but that the account was removed by XXXX XXXX. At that point, I had no way of knowing how to make my final payment. Further, I do not recall seeing this final bill from XXXX online. 
If this practice was widespread, then the interest charges from other consumers could add up to a more substantial amount.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX