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

THE COLLECTION ACCOUNT IS NOT MINES AND HAS BEEN DELETED BEFORE. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX THE ACCOUNT BELOW IS NOT MINES AND IS MORE THAN 7 YEARS OLD. 

XXXX XXXX {$3000.00} In Collections/Charge-off THIS ACCOUNT BELOW I HAVE A XXXX. 

XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed
Product: Credit card or prepaid card

On XX/XX/2020 I called Fifth Third bank regarding 2 charges total {$250.00} that did not get completed via the State of Michigan website. I tried called State of Mich 10 plus times to reverse charges because transaction was not completed ( see attached email from State of Mich ). So I called Fifth Third Bank to make them aware. I was told I would receive a letter soon ( see attached letter ). Letter was received on XX/XX/2020. It states that I have 3 days from date of letter ( XX/XX/XXXX ) to review, sign and return. I called the bank regarding this. They stated that their policy is 3 days. I told them that even receiving mail in 3 days is impossible. I was told that I have the option to fax or email the Declaration of Fraudulent Activity back to them. I pointed out to the rep/supervisor that there was NO EMAIL address on the letter. She put me on hold to read the letter. She returned and said " oh I guess you are correct ''. She was not even aware this. Please read attached letter. This policy is completely unfair, unethical and just wrong. They also cancelled my credit card via this letter. I should have been told this procedure when I called on XX/XX/XXXX, not 3 weeks later by letter. I was also told that a new card was on its way. As of XX/XX/2020 I still have no new card. Terrible policy and customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply by not completing investigation within a 30 day period of time as per the law for multiple requests
Product: Consumer Loan

I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.
Product: Debt collection

I was living at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX from XXXX. Upon the ending of my contracted agreement, I was put on a month-to-month lease. I was told to have a 30day notice in writing which I email for my own copies and went in and signed a form and had a completed walk through. I paid a cleaning and security fee upon signing my original contract. A year later, I receive a letter in the mail stating that I was evicted and that they were charging me XXXX in cleaning fees. When calling numerous times, I was told they had switched management teams and would need to get a hold of their new manager to find my information, whom was never in the office or returned calls or emails. I was NOT evicted, and my cleaning fees were paid up front.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, I am writing within a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX  and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

Was harassed by XXXX XXXX XXXX XXXX out of XXXX XXXX, CA about a debt from 12 years ago. Was

threatened with being served if I didnt pay {$790.00} that day. Before calling me, they called family members harassing them too. Ive never received anything in the mail relating to the debt. They said they send paperwork to my former place of work and to an apartment that I lived in 12 years ago.
Product: Debt collection

Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had NOTHING but problems with Equifax for the past SEVERAL YEARS and I am getting sick to death of it. My wife and I are trying to purchase a new home, but there are inaccuracies on my Equifax credit report that are decreasing my credit score and I CAN NOT ACCESS MY CREDIT REPORT ON THE EQUIFAX WEB SITE TO DISPUTE THESE ITEMS AND HAVE THEM REMOVED. I have had absolutely NO problems with XXXX or XXXX and my scores with those two bureaus are nearly 100 points higher than my Equifax report because these crooks with Equifax have repeatedly denied me access to my credit report and their online dispute!!! I can only view my Equifax report via the XXXX XXXX  web site, but I have to do all disputes through Equifax directly which I have NOT been able to do. Literally EVERY SINGLE TIME I try to access the Equifax online dispute system, I get the following error " This site cant be reached. My.equifax.coms server IP address could not be found. '' I have tried to access this on multiple different computers and mobile devices as well as multiple different browsers, but I continue to get this same error on all of them. I have contacted Equifax by email a few months ago, who was TOTALLY useless and did absolutely NOTHING to help me. All they did was mail me a copy of my credit report. THAT IS NOT WHAT I NEEDED!!! I need my ONLINE ACCESS TO THE DISPUTE SYSTEM FIXED!!!!! You people are infringing upon my consumer rights to have full access to view my online credit report as well as dispute items on it. I finally got fed up and MAILED my dispute to Equifax 2 months ago ( XXXX of XXXX ). It is now XXXX and have NOT had a SINGLE RESPONSE to this dispute, not even so much as acknowledgement of receipt of my mailed dispute!!!! Upon doing some online research and reading some posts credit forums from other consumers, I have quickly discovered that almost EVERYONE has these types of problems with Equifax. If my online access to my credit report as well as the online dispute is not corrected by XX/XX/2020, I will be getting my attorney involved and will be taking legal action as well as potentially starting up a class action lawsuit against Equifax, because I KNOW that I am FAR from the only who is having problems with this bureau. What you people are doing by denying me assess to my credit report and online dispute on your web site is ILLEGAL, UNETHICAL, and is a VIOLATION OF MY RIGHTS AS A CONSUMER and I WILL NOT stand for it any longer. I have been dealing with this Equifax nonsense for YEARS. I have NONE of these problems with the other 2 credit bureaus and have been able to successfully raise my scores a great deal by utilizing their online disputes and having inaccurate and old negative items removed, which Equifax is NOT affording me the same opportunity to do, and that is WRONG.
Product: Credit reporting or other personal consumer reports

SYNCB/PPC- While scrutinizing my credit report, I came across an irregular balance linked to a closed account. To my astonishment, it appeared that PayPal had transferred my account to another entity without my explicit knowledge or consent. I was never notified of the closure of my account nor was I asked for authorization to transfer my information to a different company. In accordance with creditor practices, once an account is closed without the consumer 's acknowledgment and without permission to sell it to another entity, it no longer pertains to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. 

In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. 

I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX  college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. 

I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern.
Product: Checking or savings account

Capitol One froze my account because I was trying to buy XXXX currency from a well known XXXX XXXX XXXX located in XXXX XXXX, Ca. I called them XXXX different times to verify my purchase with them and explained it to them. The XXXX time I called Customer Service about this issue the representative said that Capitol One would send a check for the XXXX dollars from our checking and savings account! Its been well over a month or more and still no check for my money!!!
Product: Mortgage

XX/XX/XXXX - XXXX XXXX  closing date for refinancing ; Escrow number : XXXX XX/XX/XXXX - XXXX closing date XX/XX/XXXX - application for home equity line of credit placed with XXXX XXXX  XX/XX/XXXX - Mortgage XXXX from XXXX XXXX  name XXXX discovers that  the home loan does not show fully funded and there is a existing lien when XXXX XXXX should have paid off XXXX XXXX XXXX 
XX/XX/XXXX - I reached out numerous stakeholders emails multiple times at Winnpointe Corporation DBA XXXX XXXX to ask for a copy of the recorded release. I also attempted the main number but it immediately hangs up and is not possible to reach anyone. 
XX/XX/XXXX- attempted to release lien online at FDIC lien release, but unable to locate interactive mortgage
Product: Credit card

On XX/XX/2024, I sent {$290.00} to my Synchrony JC Penney card ( which had no balance ), but I intended to send it to my Synchrony Amazon account. It was an electronic payment through the XXXX XXXX  phone app and I must have selected the wrong payee. When my Amazon card informed me that they did not receive payment, I called Synchrony bank and spend nearly 2 hours on the phone, being transferred from place to place before I finally reached someone who said that my JCP card had received the payment and now had a credit due me. They sent the credit to me in the form of a check. The next month I received a statement from my JCP card saying I owed {$290.00}. I called and explained their error and they said they would correct it. The next month I received another bill for {$290.00} with interest. I formally disputed the charge, and I called again and they told me to send proof of payment by mail, as they would not accept an email. I did so. This month I got a letter stating that they will not accept the proof I mailed to them. I have now spent at least 5 hours dealing with different people and going to the post office, and they are still trying to make me pay money that I do not owe.
Product: Debt collection

ON XX/XX/2022, MERCANTILE ADJUSTMENT BUREAU , LLC SENT A LETTER TRYING TO COLLECT A CREDIT CARD DEBT OF {$15000.00} ... ON XX/XX/2022, I SENT A LETTER TO MERCANTILE ADJUSTMENT BUREAU , LLC TO VERIFY THE DEBT ... AS OF XX/XX/2022, IT HAS BEEN MORE THAN 30 DAYS, AND I STILL HAVE NOT RECEIVED ANY VERIFICATION OF THE DEBT... I WOULD LIKE THE COMPANY TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY... I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Debt collection

Sentry Credit Inc has filled a debt to collections that was not mine. I have never lived in that city before and they did not ever send me information regarding the collection. A simple investigation would show I have lived in a different address for several years now. But they have not taken down this false allegation and fail to send me information on it.
Product: Credit card

I wrote a super check off of a credit card for {$9500.00}. My understanding was my monthly payment for the XXXX month special no interest, time period would be a minimum of 1 % per month. If the balance was not paid for at XXXX mo. end period, that rate would of course go up. 
I have called customer service XXXX 3 times. First statement said my monthly due would be well over {$300.00}. The rep told me that was not true, it would be a minimum of 1 % per month. Another rep told me the interest rate was 23 %. Another phone rep told me it was actually 2 % per month. I went to a local branch to speak in person and was told they would help. I requested documentation. After a couple of weeks they sent me a copy of my check which I do not need. I asked for a copy of the original agreement and they said that If I could not provide it, they did not have to. The bank rep said it was my fault. I asked if I could request a copy of my phone conversations from their service phone reps and was told they only do that for big customers. 
Things I was NOT informed of in writing : My first payment was to be the 3 % transfer fee. 
That they can demand different amounts monthly without notification. 
That the entire amount would be due at the end of the special offer. 
These points were defined in my original paperwork, which they refuse to give me a copy of. Last but not least, was the rude way, my bank of many years, Wells Fargo, treated me.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, AND XXXX ARE ALL REPORTING INACCURATE PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

I was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXX XXXX  ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit and noticed fraudulent accounts. this is stopping me from obtaining credit.