23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. 

Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. 

A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. 

When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. 

I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. 

I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. 

Please help me as I have no other recourse!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report l, they are hurting my ability to obtain credit. 

UPDATE NAME - XXXX XXXX XXXX UPDATE XXXX XX/XX/year> UPDATE ADDRESS- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I am hired as Jr. Payment Assistant by the company XXXX XXXX XXXX XXXX XXXX in Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document Number : XXXX, FEI/EIN Number ). 
My direct Manager 's name is XXXX. 

My daily task is or are : once the company deposed money or transferred money to my Wellsfargo account, I do have right to the gas and 4 % as commission for all transactions. I have to depose the money to a different location of the Bitcoin machine. Once the client 's money is deposed, I have to take a screenshot or receipt and send it to my manager. 

On XX/XX/2022, in the morning around XXXX am, I received an email from Wellsfargo informing me that my account is closed due to XXXX or more unauthorized transactions from my employer. 

On XX/XX/2022, I didn't have anymore a dollars for my company in my bank because I sent out all money for the company 's clients. However, I still have my own money ( {$2300.00} ) which Wellsfargo blocks. 

The money is my account is my money to pay my rent, utility bills and expenses for my children including my XXXX daughter. I went to the bank branch at XXXX close to the mall of Georgia, and the bank refused to open my account. 

My rent is due today including my car loan and other bills. Due to the Wellsfargo action, I will not be capable of providing financial assistance to my family, buying food, pay my bills, also, my landlord will not renew my lease which ends next month due to the unpaid rent. I have emailed all documents I do have to the bank to prove that the company i real and also I am working for the company, but wellsfargo still bocking my bank account causing me and my family emotional distress and risk to file bankruptcy. 

By filing this complaint, I really want your assistance regarding this issue. 

Please, help! 

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

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXXl ; Opened XX/XX/XXXX Balance {$0.00} XXXX   XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} The XXXX ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}
Product: Money transfer, virtual currency, or money service

Good afternoon, XXXX I transferred funds in the amount of XXXX XXXX dollars for registration of ownership in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for object XXXX in XXXX  XXXX XXXX from XXXX XXXX ( buyer ). The transfer was carried out through the XXXX XXXX XXXX XXXX XXXX XXXX ). The transfer was made to XXXX XXXX XXXX account ( XXXX XXXX  XXXX ) XXXX. 
Due to the sanctions imposed on XXXX XXXX the money did not reach the recipient and hung in the correspondent bank. 
JPMORGAN CHASE BANK , N.A . 
XXXX XXXX Please confirm that the money is in your correspondent account. 
I need confirmation to unlock the funds. 
I need to return this money to my account in another bank or credit it to the recipient 's account. 


Payment Details Date of receipt..... : XXXX XXXX XXXX XXXX ID of the receipt...... : XXXX Payment document ID : XXXX XXXX.......... : XXXX Type of service...... : 1 Date/time comp.and shift : XXXX The compiler 's XXXX.... : XXXX JPMORGAN CHASE BANK , N.A . Status code...... : XXXX Payment pending The reason code...... : XXXX Funds can not be credited The currency of the payment amount.. : XXXX  XXXX DOLLAR The amount of the payment..... : XXXX XXXX XXXX currency..... : The conversion rate.... : XXXX : Message reference. : XXXX XXXX : Reference link.message. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 15 U S code 1681b States : permissible purposes of consumer XXXX Inquires have no permissible purpose being 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX  pain. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to GLA collections on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

XXXX has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.
Product: Credit card or prepaid card

I have The American Express SERVE Card That I received In 2019 for Tax Refund, First Stimulus Check and Anticipating The Next Stimulus Check to Be Loaded onto My Card Soon ; But My Account Had been Locked Because I typed the Password In Wrong Too Many times. I Called The XXXX number on the back that's SUPPOSED TO BE a XXXX Customer Service Call Center But It's just Had a Recording for 3 days That " They're NOT Available To Accept Calls At This Time '' and There's No Other Way to Receive Assistance in Unlocking My Account So I may Use My Card Again. Please Contact Me at your very earliest convenience!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account XXXX XXXXXXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I submitted a credit app directly through Nissan Motor Acceptance.

Right after submitting the application, I received a notification of a hard inquiry from Nissan Motor Acceptance, proving they did run my credit. 

After submitting this app to them I tried to email them to review the results/ offers. No one ever responded. 

I called into phone number XXXX today, and spoke with XXXX from Nissan Motor Acceptance. I explained that I had an app on file and just wanted to review my offers. He refused to assist me or provide me with the results of my application., He was extremely rude and stated that he didn't have to help me because I wasn't a customer and hung up in my face. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 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: Credit reporting or other personal consumer reports

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. 
XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Credit card

I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent.
Product: Checking or savings account

I tried to log into my online account and received the message that my account was locked and to call the bank. I called the Everbank and they could not provide me with the information as to why the account was locked.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I identified inaccurate instances of late payments on an account where I have consistently made timely payments. Accurate reporting is essential, and I believe these discrepancies do not reflect my payment history. 
For the following account : XXXX  XXXX, XXXX I have never missed a payment. Therefore, I kindly request a thorough investigation into this matter. Please provide any documentation, such as statements, supporting the reported late payments. If you are unable to substantiate these claims, I respectfully request that the records be corrected to accurately reflect my on-time payment history. 
I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX AND XXXX XXXX BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}
Product: Checking or savings account

I havent used my card since XX/XX/XXXX XXXX.I login to my online bank account on XX/XX/XXXX and discovered that my card was stolen. When I knew my bank had been compromised, I called in to lock up my account, but they only asked me for my name and dieb card number, nobody asking my social security number or my phone 's verification code. It was a very big mistake by the bank and I think that's how my account was stolen I never applied a card replacement nor received a new card. I've had strange phone numbers in my bank account that I didn't know existed. I have never spent any money in the XXXX XXXX in XXXX The thief deposited the checks stolen from others into my account and then withdrew it afterward. I dont know why the thief could take away {$9500.00}. My driver license ( ID ) has never been lost. When I found out that my identity was stolen, I called the bank and said that the check deposited was not my deposit. I go to the police officer on XX/XX/XXXX to report this case. Right now they close the money XXXX XXXX.but they didnt refund XXXX XXXX one is XXXX XXXXand another $ XXXXand ATM $ XXXXthen Chase bank took about {$4200.00} from my wife 's personal account .I still lost total {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.
Product: Mortgage

We have been the victim of countless acts of crime from numerous sources within a corrupt and non compliant industry. Attached is a settlement offer to end the dispute.
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 XXXX credit bureaus 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 deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a XXXX   debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. Equifax claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and Equifax is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if Equifax does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of Equifax 's use of automated software ( XXXX ),  which has incorrectly tied me to this debt or item on my credit report.