23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan 's original principal was XXXX. My school only was disbursed {$3200.00}. Nelnet says to pay off my loan in full it was {$3200.00} principal + {$1.00} interest. I did that but my principal was actually {$3200.00} and since I paid in full within 120days I shouldn't have to pay any interest. Now they overcharged me {$35.00}, and have no intention to refund my money to my bank account i used to pay. nelnet has terrible customer service and does not respond to emails nor calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I have NO knowledge of dating back to XX/XX/2017! I haven't applied for any credit cards for the past two years! I didn't give anyone authorization to use my information to apply for ANYTHING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To WhoXXXX XXXX XXXX XXXXncern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Product: Payday loan, title loan, or personal loan

I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX  XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX - Spoke with a Capital One representative re : an XXXX XXXX charge, which had been paid, was in error, and was subsequently waived. Past due fees and interest charges were waived. 

My XXXX - XX/XX/XXXX statement included a charge in the amount of {$260.00} which was paid more than XXXX years ago. I contacted Capital One, and either they don't understand what I'm talking about, or they don't care. 

I cancelled my credit card, and they sent me another card, which will not be activated!
Product: Prepaid card

Im filing a complaint against Cash App ( Block , Inc. ) due to inequity customer service and unfair practices which violate the consumer, financial protection act CFPA specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute. Resolution process was unfair and deceptive as they did not comply with error. Resolution requirements under the electronic fund transfer act EFTA, and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I currently have accounts on all three of my credit reports.
Product: Mortgage

According to Wells Fargo my new mortgage payment for principal and insurance is XXXX and the monthly escrow payment is XXXX. My homeowners insurance went down from XXXX to XXXX. My flood is XXXX. Basically Im had my escrow reran twice and XXXX per month is XXXX a year that is excessive for escrow. Im basically being priced out of my home in excessively high escrow fees. 

Initially my insurance come increased from XXXX to XXXX I immediately found cheaper hazard insurance at XXXX. Well Fargo paid that XXXX I had that insurance company refund me the money, and I sent it into Wells Fargo to be paid back into the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. I several collections on my account that did not belong to me. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX account Number XXXX is using my Credit report in an improper manner They are reporting this closed account with an $ 51 monthly payment, missing the date last activity and the date closed. 

The XXXX XXXXXXXX XXXX XXXX account number XXXX never shows when this account was charge off by the account provider, missing the date last activity and the date closed.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair Credit Reporting act These accounts and Inquires have violated my rights! 

XXXX XXXX XXXX Inquires! 
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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} balance.
Product: Mortgage

We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX  for 5 years. During that time we were told to keep trying for a modification. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we were forced to short sell our house. During this process we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we and our children went through during this time, we lost it all in the end. We will probably never be able to own a home again. The irony is 2 years after we short sold our home, someone called from Wells Fargo to follow up on our modification application. This whole time of our life was just surreal.
Product: Credit reporting or other personal consumer reports

XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or XXXX XXXX will not remove their account information from my credit report with all 3 Major Credit Bureaus such as Transunion, XXXX, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX bank XXXX XXXX XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX XXXX who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate because XXXX XXXX XXXX XXXX XXXX XXXX XXXX had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : 1. Incorrect account dates that do not match the original creditor 's records.

2. Inaccurate balance amounts, which are not consistent with actual account statuses.

3. Payment history errors, such as reporting late payments that never occurred.

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Credit reporting or other personal consumer reports

I recently was notified that CFPB has filed a lawsuit against XXXX. they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of purchasing a home. XXXX denied to follow up with the investigation. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC is 1666B a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Product: Debt collection

I sent a letter to Transfinacial Inc in regards to XXXX XXXX XXXX requesting that they Validate NOT Verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation proving that this debt belongs to me. I have had no direct response and I have contacted multiple times on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX I got a billing ledger in the mail which does not prove that I am obligated to pay them anything. They have consistently continued to report delinquent information sinceXX/XX/XXXX to the credit bureaus which is negatively impacting my score and I am asking it to be deleted.
Product: Student loan

-My student loans were in forbearance with UASConnect until XX/XX/XXXX. 
-Initial payment selecting their " Pay the total amount due '' option was made on XX/XX/XXXX. 
-A payment was made for the loans due XX/XX/XXXX on XX/XX/XXXX which was returned. 
-A subsequent payment, again selecting the " Pay the total amount due '' option was made on XX/XX/XXXX. 
The next payment, again selecting the pay the total amount due option was made on XX/XX/XXXX. 

UAS reported one of my loans as past due for over 30 days, even though this loan was paid each month in full on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX respectively. 

In the attached documentation I have provided an example of this, where full payment was made on XX/XX/XXXX yet their website still reports {$5.00} being due. No matter how many times the {$5.00} is paid, the " amount due '' remains.
Product: Credit reporting or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion, Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and TRANSUNION, XXXX and XXXX has not made any effort update any of what I requested with supporting documents.
Product: Mortgage

On XX/XX/22 I sent out my payment and I saw that the check was not cased. I call Wells Fargo and they said that they received the payment. The next month I received a payment that was doubled. I paid the amount. On XX/XX/22 I received late charges that I shouldn't have not been on the statement, since I called and they said that they got the payment. Please check this out and let me know if someone is making mistakes there. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX