23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I hired a lawyer to handle all of my debt. I signed so that he could draft and send his power of attorney to the office Weltman Weinberg and Reis. I hired this lawyer because I searched for one that was familiar with that specific office. He contacted the office and tried to send the power of attorney and he was told that the office no longer held my debt despite the fact they would continue to pursue it without including his name. The notices I was sent last week only list my name and not my lawyers name. 
I had contacted Weltman Weinberg and Reis to update my address, because they were sending notices to the wrong address, and to ensure that they have my lawyer 's contact information. I reached the answering machine and left that information with my name and a relevant case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX,,, Continuing Issues,, Yes I Did Received A Response For This Matter On Same Day,,, XX/XX/XXXX XXXX,,, But it Was From A Previous Complaint,, XX/XX/XXXX In Question,,, Well I Did Speak To,, Mrs XXXX XXXX ,, about The Issues But She Is Asking For More Input About These Problems, ( Quote ), If Wells Fargo Bank Is the One Who Messed up All The Paperwork up In Past,, How Can I Fix This? Now,, They Have Alot More Work To Do,, If They Was Making Things Right For,,, Victims,, And Loyal Customs,, Then They Would Have Solve These Messy Problems Already,,,!!!! And Me And Mrs XXXX Talked About ClassAction Settlement Payments,, She Really Didn't Talk About It Much,, But She Told Me To Call The Claim Line,, So Did First Time I Called I Got Fax Noise,,, 2 Time I Called The Was Busy, for a Least 5mins,, So Hang up And Called Again, Fax Noise, So I Didn't Call Anymore After That,, Now This Was Doing the Time They Was Taking Claims,, ( XXXX ) In XXXX For ( Unathorized Accounts ) XXXX,,? Settlement,, So With That Been Said,, Do I Think They Did Enough Work,, No,, Should They Reconsider This Issue,,, Yes
Product: Checking or savings account

Capital One is withholding our Direct Deposits due to an outage with their third party vendor. This has been an issue since Wednesday. XX/XX/year>2024.
Product: Debt collection

I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX   on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 3 ) you assume this role you didnt have permission so not only it is not permission you didnt have my consent. 1681 ( a ) ( 4 ) there is a need too ensure that consumer coordinates exercise their grade that means life or death not about too die in responsibilities of fairness Impartiality respect for consumers right too privacy. 
1681 ( b ) ( 2 ) I the consumer never instructed them too furnish this report or too create this report and never consented too this report and the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to CITI with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit card

Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.
Product: Checking or savings account

I was involved in a scam where someone gave me a check, and i gave them cash and then their check bounced. I made full restitution to XXXX XXXX XXXX. Chex systems is saying it is not on their end yet I am still unable to open and account XXXX XXXX XXXX XXXX XXXX is saying Chex system is stating do not open account.
Product: Student loan

I attended to for-profit colleges. I do not have a GED. I was falsely certified into both programs. When I try to finish my schoolwork in 2020 at the XXXX  XXXX XXXX. I was told that I did not have a GED. I was not eligible to attend school in, although I had already attended schooling. I received my actual GED in 2020. I have over {$48000.00} worth of student loan debt that I can not use. I can not finish those classes or do anything about it except for have that much debt on my credit. This has caused me a great deal its financial stress in my life, as I can not even afford to buy a home due to the debt. I have had to file bankruptcy, which did not help with my student loans. All of the stress has caused me such a burden. I became suicidal last year, and Im struggling to stay on top of all of my bills with the way the economy is. I have tried to do everything right by enrolling in IT ours and I have applied for false certification forgiveness more times than I can count and was always told that the schools self certified me and that theres nothing I can do. I wasnt given an entrance exam on either schooling. I dont feel like this is fair as I have this debt. Now I cant even put towards something that would help me in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Product: Credit reporting

current item in public record, wage earner plan filed XXXX is reporting inaccurate
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 a consumer reporting agency can not furnish an account without my written instructions Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.

Thanks
Product: Credit card or prepaid card

On XX/XX/2022 I ordered a XXXX phone online for my XXXX XXXX XXXX for her birthday the amount paid for the phone was XXXX it was a XXXX XXXX a red model being as though I was a new customer I only paid for the first 3 months of billing and the phone was free and it was expected to get delivered the next business day which was XX/XX/XXXX after I receive the tracking number and the carrier which was ups I turned in notifications to keep track of my package the next day comes when the package was expected to arrive I headed out early that morning to my daughters XXXX doctor all the way in XXXX XXXX XXXX I received a notification 15 minutes after the package was delivered I called my neighbor she stated that when she went to look for the package which was dropped in front of my door it was nothing there so after my daughters appointment I headed home to see if It was maybe in my mailbox it was not I then called my housing manager and requested the cameras be ran back to see was a package taken from by my door and he called back within an hour and indeed saw someone picking a small box up from in front of my door I also filed a police report and my housing manger did as well I also called XXXX  they gave me useless options either purchase a phone or basically dispute it with my bank which is chime I disputed my order on XX/XX/2022 and I called today XX/XX/XXXX for an update chime replied I was not eligible for provisional credit and that it can take up to 90 days for a decision from the merchant which was XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with USAA has been Verified as accurate and updated.

Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ).

Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law.

2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of $ XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX do not have a contract with XXXX XXXX XXXX  XXXX , they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my account that shouldn't be there. I don't have the right contact information to ask that they review and get them taken off. 

XXXX XXXX  Inquiry from XX/XX/XXXX I have no idea what this one XXXX Inquiry from XX/XX/XXXX I want this reviewed and taken off. 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX I want to have these reviewed and taken off XXXX/XXXX  Inquiry from XX/XX/XXXX i have no idea what this one is
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me
Product: Student loan

I requested for full financial disclosure in a single document explaining how they arrived at the full final balance include accrued interest and daily interest rate charged. I also requested for settlement letter to be sent to the lender ( despite not agreeing with the final loan balance ), but the customer service repeatedly stone-walled my request, denied it outrightly, rehashed same denial response, some even laughing at my complaint, saying this loan will continue to multiply till it goes above XXXX and will continue. The original loan amount is {$22000.00} ( UAS account number -- XXXX - XXXX ) and final balance on loan is {$51000.00}. I have attempted to make settlement concerning this loan but the customer service ( offshore in the XXXX and on shore here in XXXX ) have all refused or outrightly said no settlement can be made.
Product: Checking or savings account

On XX/XX/year>, today, I visited the TD Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX. Upon arrival, I was greeted by a teller who inquired about how she could assist me. I informed her that I needed to change the payment method for a loan I have with TD Banka process that, according to bank policy, must be completed in person at a branch. She directed me to another area of the bank where two other employees were assisting customers. 

I took a seat and waited for my turn. When it appeared to be my turn, one of the two employees, who identified himself as the manager, invited a woman who had arrived after me to receive assistance. This individual was also a walk-in customer like myself. I questioned why I was being passed over despite arriving first. The manager responded by stating that he assists only commercial clients without inquiring whether I was a commercial client. 

I attempted to explain that my issue pertained to one of my commercial accounts. Additionally, I observed that he had previously discussed personal FHA mortgages with customers, suggesting he was assisting with personal banking matters as well. Despite this, he did not offer to help me. 

Following this incident, I contacted TD Bank 's customer service line to report the issue. After approximately five minutes on the call, the representative suddenly claimed they could no longer hear me. 

The manager 's name was displayed at the entrance, and I confirmed that the individual who refused to assist me was named XXXX XXXX. Due to the inadequate service and what I perceive as discriminatory treatment, possibly based on my XXXX heritage, I am requesting that my account be closed and a check for the remaining balance be mailed to my home address. 

Additionally, I need to be contacted to arrange the change of my loan payment method, as the account currently used for payments was closed today. I am concerned that late payments may occur, and I do not wish for my credit to be negatively impacted due to the bank 's procedural difficulties.
Product: Debt collection

Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... 
I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small aafes and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and PCS in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX worker and have been unable to make it to the store to pay again online payment would help me tremendously right now.
Product: Checking or savings account

A merchant had charged me for {$120.00} and they were not supposed to since I had a plan with them to pay in full. I then filed a claim with Wells Fargo in XX/XX/year> and another one in XXXX of XXXX  since they reversed the claim. On XXXX XXXX I spoke with senior claims specialist named XXXX and he assured me I had until XX/XX/XXXX to get the paperwork stating I wasnt supposed to be on bi weekly payments with the merchant. However today, XX/XX/XXXX the claim got reversed. I called the bank and the claims senior specialist tried to say that XXXX misrouted the claim and so there were 2 claims under the same transaction for {$120.00}. XXXX, the senior specialist told me the claim from XXXX got reversed and that I was debited {$120.00}. Then XXXX stated the claim from XX/XX/year>XXXX  was still open and if I didnt submit the proof, I would get debited again. I then asked her if Wells Fargo credited me {$120.00} + $ XXXX {$250.00} on a claim that was only {$120.00} and she said yes. WHY WOULD A BANK CREDIT SOMEONE {$250.00} on a transaction that was only {$120.00} to begin with?!? She then stated yes, I would get both charges debited. THAT MAKES NO SENSE! ALSO, I told her why would I be speaking to anyone on XX/XX/year>XXXX  about a claim reversal from a claim that was started in XX/XX/year>XXXX  if the claim had gotten reversed TODAY XX/XX/year>??? If I get charged 2 times for a claim that was for ONE transaction of {$120.00} I will take legal action. I also used the XXXX call recording feature so I have everything as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE LISTED ITEMS ON MY FTC REPORT FROM ALL OF MY CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I told XXXX, XXXX and Equifax that I had fraudulent inquiries. Due to XXXX car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX ( XXXX ) XXXX  ( XX/XX/2023 ) XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Are all fraudulent inquiries. I did not authorize. 

15 U.S.C 1681 section 602. A States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are multiple fradulent accounts reporting that DO NOT belong to me, I mailed a letter previously with my affidavit requesting a resolution, and they company perhaps never received the letter, or failed to invesitgate. I listed the items belong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX