23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am trying to participate in President Biden 's temporary expansion of public service loan forgiveness ( TEPSLF ). Prior to consolidating my loans and enrolling in public service loan forgiveness ( PSLF ), I worked for the District of Columbia XXXX XXXX. My loan history on XXXX XXXX XXXX shows that I was in repayment of my loans from XX/XX/XXXX through XX/XX/XXXX. Because I worked for a qualified employer and did not have private loans, those payments should count towards PSLF because of Biden 's XXXX. I submitted my employer certification for DC XXXX XXXX, dated XX/XX/XXXX - XX/XX/XXXX, to FedLoan Servicing on XX/XX/XXXX. Since that time, no one has reviewed that employer certification for qualifying payments during that time period. I have called FedLoan Servicing an average of weekly since submitting that employer certification. They tell me they can not see my payment history prior to consolidation and I need to speak to the Department of Education. I have also called the Department of Education Ombudsman XXXX XXXX almost weekly since XX/XX/XXXX. They tell me they can not see my payment history at all, and FedLoan Servicing has to decide if any of my payments from XXXX XXXX- XXXX XXXX count towards XXXX. No one will review my materials! There is not point to XXXX if not one reviews payments that count towards PSLF because of XXXX.
Product: Debt collection

collection company calling on my cell phone company name : XXXX and person name is : XXXX XXXX number is XXXX and using tax massage number XXXX XXXX : XXXX asking for XXXX XXXX  balance I told so many time don't call my cell phone but still calling 2 or 3 time day and today send me Tax Massage. I don't know about this account and did not verified asking for business account saying but this business being closed and can not verified any claim. 
he is harassing and abusing language. I don't give the permission to call on my cell phone ever think should be done by mail and mail only but still calling on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am looking over my hard inquires with XXXX  and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX JPMCB CARD in XX/XX/XXXX was fraud and XXXX XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and XXXX  as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was JPMCB CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX  but it is still showing on my XXXX  credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; XXXX to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.
Product: Vehicle loan or lease

I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans  and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.
Product: Credit reporting

My credit score as of XXXX 2016 was XXXX. Today I find out it is XXXX. I am in the process of purchasing a home and this is causing a serious problem ( the low score disqualifies me from securing a construction loan ). I see that XXXX XXXX XXXX XXXX keeps submitting the car charge off ( I co-signed for XXXX of my children ). I need this adverse charge to REMAIN OFF my record. They have the car, WHAT ELSE do they want?
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, Experian, XXXX repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking XXXX, Experian, XXXX, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
XXXX, Experian, and XXXX continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.
Product: Money transfer, virtual currency, or money service

Bankers  keep putting in charges incorrectly. Im no banker but seems money order charges go under a different fee schedule then with drawls. Attached is evidence of a banker named XXXX who sold me a money order and labeled the fee as a withdrawal. I never signed the withdraw form so Im interested to see if she took XXXX $ from my account anyways. They are blocking me from using my online portal. When I asked for the fee to be waived XXXX lied to her manager stating she asked me to take off my sunglasses and I refused. This is not true. Several of the bankers will make up lies like this to make it look like your being difficult. I was happy to take my glasses off. Nothing to hide. The manager was then rude to me. I notified her of the bank misreporting my funds and she acted like I was trying to get a free money order. 

I explained to her that if I cant trust the bank with my money I needed free money orders to pay my bill. She did not care at all that I reported loss money in my account. One of the rudest woman that doesnt deserve to manage a bank! So she set me up with an appointment to work with XXXX at XXXX on Monday. XXXXll be interested to see if theres an actual XXXX by the way I was treated by rude manager!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having so many problems with Equifax its kind of sinister at this point. I think equifax may have created a new file and I need it merged if they created a new file for XXXX XXXX XXXX instead of posting it on my existing file. I have called equifax several times and they act like they cant speak to me they keep putting this math question how much XXXX its a very very irritating stall method purposely to get you to fail security questions and they give you a time limit as well. Its a very very unfair tactic to try and stall you to collect information I bypass experian and XXXX. XXXX has done everything I asked and I appreciate them much ( removed address ). I need my file merged I contacted multiple sources on this before even when equifax told me to contact XXXXXXXX XXXX XXXXXXXX and I did now they are telling me to contact Equifax this is all a very very sick game no one has the time or money to waste. I just want XXXX XXXX XXXX address removed and my real estate loan reported I can not afford to waste time with back and forth calls, cat and mouse, this is unacceptable.
Product: Debt collection

In the month of XX/XX/XXXX my credit score dropped by 94 points due to a medical collection that was filed on my credit report. I identified Americollect as the debt collection company who listed the collection. I contacted the company on XX/XX/XXXX to report that I had never received any notice of the collection nor any invoicing. I was informed by Americollect that the company had never sent any invoicing for an alleged amount of {$1700.00} on behalf of XXXX XXXX because they thought I had an attorney. I do not have an attorney but I had filed a state administrative complaint against the creditor to investigate improper/fraudulent billing practices. Subsequently, all the alleged recent medical debts were dismissed. I did not recognize the date of service given by americollect and since rmp services dismissed all collection activities I believe that the americollect debt is either unauthorized or billed erroneously. I have asked americollect to establish validity of the service date by sending me a copy of my drivers license and HIPPA consent to treat contract signed by the alleged creditor. I have not been provided this information to substantiate the claim. I believe it is unfair that I had not been given proper notice of this alleged debt and I have suffered financially because of this. I maintain " very good credit '' and I would have attempted to settle this debt if it was a valid debt I owed. Now it's too late to handle this account in a satisfactory manner to avoid harm to my credit because the company chose not to send me any notice the alleged debt was owed.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX with comenity bank. The balance is {$600.00}. Due to late fees. I have a payment set up for {$120.00}. I would like to see if i can get these late fees taking off.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I paid my XXXX charge card in the amount of XXXX I was out on medial leave and made an arrangement with the company I called XXXX and they suggested I dispute it with the credit bureau Ive been trying too and they just keep updating the information without removing the late charge and increasing my credit to where it was.
Product: Credit card or prepaid card

on XX/XX/XXXX a pay by phone payment was made to my account.   The payment was for more than my re occurring payment,  I pay in full.     I have never made a pay by phone payment!  ON XX/XX/XXXX.   bank of America  deposited  $ XXXX to my account. It was credited.  Than $ XXXX. was charged on XX/XX/XXXX. I have called numerous times with out resolve.  Right now on XX/XX/XXXX. I have been on hold will a rep and supervisor figure it out!  25 min!    on XX/XX/XXXX I was on hold 50 min , no resolve.   Thi was bank of America 's XXXX up on y account and they won't fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion in reference to inquiries on my report that I did not authorize and they were not properly investigated which is in violation of 15 usc 1681 FCRA RIGHTS AND REGULATIONS See attached documentation of the unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. So I had to get my loans refinanced and this was part of the refinance but XXXX XXXX University keeps reporting some ridiculous amount of 120 day late payments. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this loan account. I will attach a picture of my payment history that shows me refinancing it and being current ever since. And I would truly appreciate this and would be able to put my family in a better situation. These 120-day late payment that are still reporting are truly killing my score and chances of bettering my life.
Product: Debt collection

XXXX XXXX from TruHome Solutions has repeatedly called, emailed, called my place of business, my spouse and hand-delivered a notice to our home. We have told the creditor that the account will be paid and caught up in full by the end of XXXX. The Mortgage has only slipped 30 days. The attitude and harassing nature of the calls is not appreciated. XXXX XXXX has asked personal questions and when I refused to answer he stated : " what would you do if someone owed you money ''? We are only 30 days late, we have never been late before, we have a clear plan to get back in good standing. He has been told to stop calling.
Product: Credit reporting or other personal consumer reports

TRANSUNION, is breaking the consumer law pertaining to account XXXX XXXXXXXX XXXX I've uploaded documents I need this corrected immediately AS DELETED and this is a violation 15 USC 6802 I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with Law suit litigation. XXXX : XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION for which Im just the card holder
Product: Checking or savings account

I received an unsolicited bankdebit card. This debit card is attached to a bank account that they opened without my permission.
Product: Credit card or prepaid card

Wellsfargo bank. There is no money. Exhibit ( A ) book federal reserve money modern mechanics banks can not lend money. XXXX. Banks take promissory notes and exchange them for credits book keeping entries. Exhibit ( B ) have affadavid all debts are prepaid. This is backed by the American people. Exhibit ( C ) XXXX vs XXXX XXXX XXXXXXXX. XXXX refused to pay his morgage which is a credit swap because the bank put nothing up of value legally called consideration. The bank events the money with bookkeeping entries in a ledger. Sounds like fraud to me. Exhibit ( D ) public law XXXX or hjr XXXX. This happened in 1933 when XXXX took all the legal money away silver and gold and replaced them with XXXX federal reserve notes. The bank needs to zero out this credit swap or we will go to court for law suit. You can do the correct thing or be published on social media. The last evidence I will give you is beat the bankers XXXX video XXXX XXXX video has a cartified forensic XXXX under oath saying all bank loans are fraud credit cards, morgages car loans etc. The bank president also admitted the same. If your judge denies what I am saying since he is a banking agent in your family I will use the freedom of information act request to get his surety bond information.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

There was a XXXX charge on vanilla gift card I did not make. They are refusing to credit me and impossible too deal with. This was done 2 days ago. XXXXXXXX XXXX. I never heard of that company
Product: Debt collection

Upon reviewing my credit report, I noticed some accounts that seem inaccurate. I request their immediate removal as I believe they're unauthorized.
Product: Credit reporting or other personal consumer reports

Please remove the derogatory information from XXXX, TransUnion, and XXXX credit reporting agencies.
Product: Credit card

My parents ( at whose address I have not lived for over 5 years ) received 2 letters declining an application for a Target card. The first one said that more information was needed ; the second one said there was a problem with the checking account information provided (! ).

I did not request information or apply for a card from Target ; I suspect fraud.

My father called Target on my behalf ( I live overseas ) and both application attempts have been marked as fraudulent.
Product: Checking or savings account

On or about XX/XX/2022 I suspected that another bank might have my sign in credentials for my above referenced Webster account. 

In talking with Websters fraud department I requested that my account be frozen until I could assure myself that my account was secure. 

Since that time I have resolved that there is no problem with unauthorized access and thus there is no further reason for the freeze. On XX/XX/2022 I was advised by Webster that the freeze could not be lifted, even though I, the account holder, have requested it. No other person or entity has my online access information. 

I was further advised to visit a Webster bank in person, but what this will accomplish was not clearly stated. Do I open a new account? Can I reopen my old one? How will I access funds? Because I am now living in a state nor serviced by Webster, my visit to a branch bank will require travel. 

I am a XXXX XXXX XXXX retired person who has been a customer of Webster for 40 years. All of my retirement income is deposited into my Webster account and all of my living expenses come out of it. Websters refusal to allow access to my funds is causing me severe financial hardship.
Product: Credit card

I have autopay setup on my capital one Quicksilver account. This is the third time they have charged me a late fee even though I have autopay setup. I REFUSE to pay the {$40.00} late fee again, this is not my fault. I have the money to pay them and auto pay is setup.
Product: Credit reporting or other personal consumer reports

My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I made a payment with NCB Management to satisfy a debt through XXXX XXXX  XXXX XXXX but I was not responsible for the debt so I need to be refunded for the payment made. I need to be refunded via check to my mailing address.
Product: Vehicle loan or lease

Dear Exeter Finance and XXXX XXXX, I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( SILVER NOT BLACK ) I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to EXETER FINANCE , LLC. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction ( DEAL # XXXX ) for my personal records. 
Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. Down Payment Reimbursement shall be made by check payable and expedited to : XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX I am keeping a close record of my communication regarding my refund and if I must seek legal counsel, I will sue for the maximum amount allowed by law. Thank you for your time and attention to this matter, Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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