23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Anytime a company charges off debt this company should of sent me out a XXXX in this case this does apply this company sold the car charged it off as debt and reporting incorrect information on my credit report This is fraud and I have the right to report to IRS please provide me with XXXX or remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was closed on XX/XX/XXXX XXXX XXXX - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I was scammed in sending money XXXX XXXX  no Service was given and my bank refuses to reimburse Me this is not fair I was robbed stolen through XXXX  they refuse to help file a claim and try to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute demanding to verify or remove the accounts immediately from my report. I did not get a response or was notified of any investigation results or procedures that were taken place. After 30 days past, On XX/XX/XXXX 2 accounts from the department of XXXX were removed from my credit report as well as 4 Accounts from the US Dept Of Education was also removed from credit report. XX/XX/XXXX XXXX reported and added back 3 accounts of the US department of education to my credit report.
Product: Checking or savings account

The bank, Hunnington Bank, has no clue how to manage payments and credits on their credit cards. There is no one, including supervisors, who know much about fixing accounting issues on my credit card. I make payments and charges. Many times I make a payment on the card from the merchant it is correct one day with the credit card balance and the next day it is much different. I can take my current balance in my card one day, add back in all charges I made and my balance on my card will not show the correct balance. Example ; I have a XXXX dollar credit. I charge XXXX dollars to a merchant on my card. My balance should be XXXX. The XXXX dollars then reflects on my card that I have a XXXX dollar balance. Therefore, I am charged twice. The customer service people somehow take XXXX out of my current balance instead of {$30.00}. The merchant charges on my account are correct, but the credit balance is not. If you have a charge card with a company a bank, the statement should show how much the merchant charged, and a credit once you pay the merchant. Also, if you pay off your balance or have a credit on the card it should reflect this. What I am discovering on this card is that the next day my credit limit goes down at least XXXX dollars even if I have a credit of XXXX dollars over credit card limit. Example XXXX, XXXX XXXX XXXX XXXX plus XXXX dollar credit gives me a {$3000.00} credit limit. Not {$2500.00}. But the banking institution online puts on my card {$2500.00} instead of {$3000.00}. Makes no since to me. If I spend XXXX dollars I should have a credit limit is this case $ XXXX dollars not {$2500.00} - $ XXXX {$2000.00}. There just is not a proper credit system in place. If you have a credit limit and you paid more than the credit limit on your account, your credit limit should be over your {$2500.00} dollar limit. Bank only shows the {$2.00} XXXX credit limit. This does definately not make since. The statement should say for a credit limit of {$3000.00}. What is the problem? Credits increase your balance, debits decrease your balance. Supervisors who run the bank credit card system have no clue about this. I have tried for three weeks to straighten out this matter, but I see no light at the end of the tunnel. I am losing a lot of money on this. At least {$1000.00} so far. Debits and credits are basic accounting. Take out what you spend and if you make an over payment on the credit card, and it should give you a credit above your credit card limit that means that you made no purchases in this case. However if you make a purchase, pending or not, or have subtract that from your current balance. This is what I explained above. This is basic accounting. Very frustrating. I am ready to sue this banking institution for fraud. I can not include my credit card history because my banking card application will not allow me to. I have including my credit card account with this complaint. You should be able to get the actual statements from the banking credit card department.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX am, I received a text message from a number : XXXX ( XXXX ) XXXX that stated " Wells Fargo Bank : Did you attempt a transaction for {$3500.00} XXXX Reply Yes or No. Reply HELP for help or STOP. Data & Msg rates may apply. '' I replied NO and shortly received another message stating " Wells fargo Bank Fraud Department : Due to The ( No ) Response, A Representative will be contacting you shortly. Msg & Data rates may apply. I immediately called Wells Fargo Customer Service ( XXXX ) and during the phone call, I received an incoming call from the same Wells Fargo Customer Service number ( XXXX ) ; I hung up the first call and proceeded with the second call ; I was told that I was talking to a representative named XXXX XXXX who was going to help me get my money back. During the conversation, he already had my card information and was explaining to me the process of how the {$3500.00} was going to be refunded. XXXX minutes later into the call, he transferred the line to another number ( XXXX ) while I was being put on hold from the first call. He then instructed me to go through my Wells Fargo XXXX banking app and add the recipient named XXXX XXXX ; he stated XXXX XXXX works for the XXXX XXXX Department and will be returning the {$3500.00} back into my checking account. Before the transaction, he brought up my debit card number to make sure that was the card that was being used. He repeated the first XXXX numbers on my debit card and then asked me to repeat the rest of the numbers. After exchanging the debit card information he then instructed me to send {$3400.00} to XXXX XXXX with the number ( XXXX ) through XXXX. After the transaction, the representative XXXX told me my account will be on hold and I will be receiving a new debit card in the mail. The conversation ended with XXXX stating I will be receiving a call from Wells Fargo Customer Service about the update on my account. The official call ended at XXXX XXXX. At XXXX XXXX, I called Wells Fargo Customer Service to see any update on my account; finding out there was no call recording the scam incident. I then had to file a debit fraud claim through the Wells Fargo fraud department explaining the incident. On XX/XX/2023, I received my fraud claim letter from Wells Fargo stating the case is closed because I made and approved the XXXX transaction to XXXX XXXX ; Wells Fargo Fraud Department stated they contacted XXXX for the refund. However, XXXX declined the refund because their policy stated they dont cover buyers protection. After contacting a Wells Fargo management branch, I was told to file a police report. On, XX/XX/2023, I reopened my case again to send the police report. However, my police report was put on hold because only the Wells Fargo Fraud Department could request the report instead of me submitting it to them.
Product: Debt collection

I sent this company a debt validation letter and received nothing back. They instead sent XXXX  records. This is a direct violation of XXXX regulation. I never signed XXXX form releasing access to any XXXX  records.
Product: Debt collection

Company is trying to get employee information but refuses to tell us who their client is. They are unprofessional and really quite creepy. I would hope that anyone who gives out their employees information to these people gets sued, and their immoral business practices should be shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Military Star in XXXX, many years later ( approx. XXXX ) made an insufficient payment via allotment. Military Star has reported a late payment on my account to 2 out of 3 credit bureaus. The infraction occurred as I was tasked to go overseas, I purchased deployment items which raised my required payment a few dollars outside of my set allotment. Once I realized, ( a week or two at most ) I paid the delinquent amount and raised my allotment to cover any future events. I have been in good standing with this company every since the late payment which was over 10 years ago. 

I have written to them several times ( 4 ) and have either been ignored or rejected. Recently, spoke with XXXX and she refused to make any changes to my report and told me to just keep writing. I have an XXXX credit score this is the only thing holding me back. 


Please help, XXXX year veteran
Product: Credit reporting or other personal consumer reports

hello on XX/XX/2024 I received a notifications on my phone from XXXX XXXX saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX XXXX XXXX XXXX  INQUIRIES AND XXXX XXXX XXXX XXXX INQUIRIES  ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, XXXX XXXX XXXX AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX.im in process of putting a freeze on my credit.
Product: Credit reporting or other personal consumer reports

The account that I am disputing is ( XXXX XXXX  ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Product: Student loan

Issue with Nelnet. I originally borrowed {$42000.00}. They were all in separate loans per semester. The final year of pursuing my XXXX XXXX, I get the bill to start the loan repayment and I was charged {$14000.00} in interest for a year and a half? When I called the loan servicer they said I should have consolidated the loans. How was I supposed to know that? I'm sure this is happening to many students. Fast forward, after some deferments and forbearances due to job related issues I now owe {$91000.00}. I started a graduated payment plan at {$530.00} a month for 2 years now, and my balance is {$91000.00}. That is over {$12000.00} paid in money that went into la la land. I called Nelnet and they said they can collect interest first even though I did not sign an interest only promissory note. I need help with this. I am getting charged compound interest upon compound interest. And no monies from me are going to the principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX servicing was where all my loans went thru. The first part was while i was attending the XXXX XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
Product: Checking or savings account

OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to temporarily unfreeze my credit. Equifax website is not working properly. Trying to do this over the phone is a joke. Way more of a pain than XXXX XXXX and XXXX. 
After asking a ton of questions they still claim they can't confirm my identity. Very frustrating.
Product: Debt collection

XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Exquifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 





In accordance with the Fair Credit Reporting act these items are incorrect on my consumer report such as a credit card from receivable management opened XXXX in collections, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, Two credit cards under XXXX XXXX account # XXXX, a hard inquiry from XXXX  XXXX on XX/XX/2024, a hard inquiry from XXXX XXXX XXXX on XXXX, a hard inquiry from XXXX on XXXX, a hard inquiry from XXXX XXXX on XXXX has violated my rights. 
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 a account without my written instructions