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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I recently had a credit card with XXXX bank for the chain store XXXX. When the credit card switched to another bank, Barclay Bank, I opted out by phone ( XX/XX/2022 ) to receive the new card due to very high interest rates charged by Barclay. I called again in XX/XX/2022 to confirm that the card was cancelled and that I would not receive a new XXXXBarclay 's card, also to complain about unsolicited emails that were being sent to my work account ( which they claim they were unable to stop ). It is now XX/XX/XXXX and I have received an unsolicited credit card from them, despite my opt out request and my account being closed. I have been waiting on hold for over half an hour to resolve this issue as I do not want this on my credit rating. No one has picked up the phone so am unable to resolve.
Product: Mortgage

I requested a " qualified '' review of my mortgage including escrow and reimbursement for fees paid to make payments through the company web site. The company has delayed and has sent letters extending the time to review the issues. I first sent a " qualified written request '' in XXXX 2016, I received the third notice extending the time to XXXX XXXX. This is an unreasonable delay in resolving and reviewing.
Product: Checking or savings account

A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised
Product: Checking or savings account

On XX/XX/XXXX, my account was somehow overdrawn - {$9.00}, I transferred {$20.00} into my account, and was in positive standing before the end of the day, I could literally drive to the ATM and take out {$10.00}. I wake up XX/XX/XXXX to {$72.00} dollars taken out of my account for being overdrawn, even though I fixed it. I was told I had to wait 24-48 hours for a phone call from PNC. I received a call and immediately returned the call, as well left a message. I received nothing ever again, I called back multiple times a day, over multiple days. I left maybe 3-4 messages. Over a week later, still nothing, now PNC is charging my continuous OD fee 's when I am trying to solve the issue, but I can not contact them, and they will not contact me regarding the situation. I call AGAIN, and am told I'd receive another call in 24-48 hours, to which I received nothing. I once AGAIN had to call today, to which I am told AGAIN I'd have to wait 24-48 hours. 
Over {$100.00} has been taken from my accounts now and I am unable and unwilling to pay for the money PNC is stealing. I can not contact anyone regarding this and no one will answer me and they continue to charge me.
Product: Debt collection

Truck been paid off over 3 yrs still saying I owe money the company that finance me are credit acceptance I will like for this to get disputed off of my account I never missed a payment
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I brought four tickets leaving XXXX XX/XX/XXXX to XXXX XXXX from XXXX XXXX XXXX. I charged the purchase to my Capital One credit card. ( Enclosure 1 ). On XX/XX/XXXX, Capital One withdrew the money from my XXXX checking account. ( Enclosure 2 ). XXXX XXXX cancelled our flight due to the coronavirus. I tried to rebook on XXXX XXXX using my Capital One card but it was refused multiple times. I called them, and they said they suspected fraud so my account was restricted. I then used my XXXX credit card and rebooked my tickets on XXXX XXXX. ( Enclosure 3 ). XXXX XXXX REFUNDED my money for the tickets I bought with my Capital One credit card. ( Enclosure 4 ). This is where the problem begins I have lived in the XXXX since XXXX. My drivers license is from XXXX. Capital One informed me to un restrict my account I would need to get a state ID or State drivers license. Since I was going to America anyway I said okay. However, ALL flights have been suspended to U.S. so I will not be able to go there till next year as my daughter and son have to go back to school. Capital One informed me I would NOT be able to get my $ XXXX-dollar refund until I get a state ID. Even if I closed the account they said they would not be able to return my refund. That is the problem. 
Capital One sent me my card here in XXXX. The mailing address on the account is XXXX, XXXX XXXX. We receive our mail through the American Embassy in XXXX. ( Enclosure 5 ). I have a U.S. passport, a government retired ID card and a XXXX  drivers license. ( Enclosure 6 ). Also, I have the credit card in my possession. ( Enclosure 7 ). 
Capital One is worried about fraud on my account and I understand. However, I am asking them to put the money BACK into the same account they took it out of. How can that be fraud??? I paid them, the airlines paid them AGAIN. So they got paid TWICE!!! Putting the money BACK where they took it from is not fraud but FAIR. I can not wait 1 year while Capital One hold on to {$3000.00} dollars of my hard earned cash. 
So I am asking you to PLEASE help me get the money returned to THE SAME ACCOUNT IT WAS TAKEN OUT OF. Where is the fraud???
Product: Student loan

My federal students loans through Navient have been consolidated and with another provider since last year. They are all showing paid and closed. I have pulled my credit report months back and I have disputed late payments several times with Navient and they have NOT provided me with documentation to prove that the accounts were indeed late. The accounts are definitely old, paid and closed, but still affect my credit score! I have requested validation of late payment reporting and because the information that I have requested has not been granted, I am asking that these accounts please be removed from my credit report. I have XXXX Navient/Dept. of Education accounts reporting on my credit report which is excessive and not to mention detrimental to my credit health. I signed nothing stating that separate individual accounts would be reported on my credit report. I did not take out XXXX loans for college this deceitful, unethical behavior is wrong. These companies are supposed to be helping not hurting! On XX/XX/XXXX and XX/XX/XXXX Navient reported that I was late, this is unlikely.I constantly stayed in forbearance to not have them report to my credit, which I am very upset about because they NEVER offered any other program to assist me when I was in financial difficulty other than forbearance. I need proof of this erroneous reporting. I am requesting all these accounts be removed. Every time I speak with a customer service rep from Navient I get different responses to the accounts some say I was in forbearance or in school deferment and then another would say I was in repayment. The records are incorrect and the system in corrupt. Lastly, some of these accounts reporting are XXXX XXXX XXXX they need to be removed from my credit report. Something needs to be done to protect consumers. If these accounts are not removed, I will be taking legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through copy of credit report that was sent to me by TransUnion I noticed inaccuracies on my personal information. first was my last name was spelt wrongly. My last is spell XXXX noXXXX XXXX so need that to be change and I never used anywhere unless was sent to them wrongly so it needed to be correct to avoid identity theft. Next is Addresses, I never had post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX need to be remove and also this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to be update to XXXX or removed because I never used just address and I finally telephone number XXXX XXXX XXXX never had this telephone number the only number I have and still do XXXX XXXX XXXX and I would like this XXXX XXXX XXXX to be remove in other to avoid identity. These are three items I found in my personal Information that needed to be removed or updated. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 This account is showing inaccurate information on my credit report
Product: Credit card or prepaid card

The syphinmy Amazon card has payment allocations options. 

These options are only available on the " full site '' -- there is zero indication this is an option in either their mobile website nor their mobile XXXX XXXX 

It feels like they are hiding this feature to increase fees. It's the radio buttons, that isn't hard to give me on my phone where I actually interact with this financial product
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN CREDIT BUREAU ABOUT THIS FRAUDULENT BANK RUPTCY COURT XXXX XXXX. THIS IS NOT MIND AND I DID NOT GIVE ANYONE CONSENT TO USE MY NAME OR INFORMATION.
Product: Mortgage

BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Checkr who performed a background check for XXXX. The information on the criminal background check is incorrect and I would like this to be resolved immediately. Checkr states I pled XXXX XXXX on a XXXX XXXX XXXX on XX/XX/XXXX. The court records clearly states the charge was Dismissed. Ive attached the consumer report along with the court records.
Product: Student loan

I have reached out to Mohela on at least 4 occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also reached out to StudentAId.gov ( XX/XX/XXXX ). Mohela responded each time with the same message that was just generic. 

This is the message : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

Please be advised, You must include the Borrowers signature and the date. This resulted in the denial of your forms. To ensure your application is correctly processed, please complete and submit another PSLF Form with the necessary corrections. Please be advised, the best way to complete a Public Service Loan Forgiveness ( PSLF ) form, and to check if your employer qualifies, is to access the PSLF Help Tool. The PSLF Help Tool may be accessed at studentaid.gov/pslf. 

We will continue to process your manually submitted PSLF form using the date an authorized official from your employer signed your PSLF form. To receive benefits of the limited PSLF waiver, the employers signature and date on your PSLF form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX., Thursday and Friday XXXX XXXX XXXX XXXX XXXX. CT. 

Thank you, MOHELA StudentAid.gov has not responded. 

This is my concern : I have missing time lapses on my student loan payment history when I was working full-time for an approved employer. Please explain the following time gaps where there are no eligible or ineligible payments reported. I would like to be credited for these missed reporting periods. Please investigate and let me know the outcome. 

Periods where there is no history reported meaning I don't know if the payments were eligible or ineligible because they are not reported. I would like to have my account credited for these missing time periods as I was XXXX XXXX XXXX XXXX XXXX  and should receive credit for these periods of employment. 

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

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX| Account Number XXXXxxx XXXX / XXXX / XXXX Account Number XXXX PORTFOLIO RECOVERY ASSOCIATES| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX| xxxxxxxxxxxx XXXX XXXX xxxxxxxxxxxx XXXX I have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX, XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX  Account Number XXXX**** over my school loans, I attended XXXX XXXX  from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation I'm asking that you send your method of investigation along with all the records of who you spoke with their business address name and phone number as well as documentation that proves this account was late if you can not provide me with this information in XXXX  days update the account to pay never late on XX/XX/year> and send me a copy of my updated credit report
Product: Money transfer, virtual currency, or money service

This is a continuation of my previous [ second ] complaint against Wells Fargo Bank [ case no. XXXX ] dated XX/XX/XXXX. Wells Fargo 's response dated XX/XX/XXXX said nothing at all, and therefore was totally unresponsive to the new issues raised in that complaint. Wells simply said that it had previously addressed my earlier [ first ] complaint dated XX/XX/XXXX, and that We did not find... any no new information that would change our ( previous ) response. However, Wells response is clearly incorrect for two reasons : 1. My second complaint discussed evidence showing that the Wells account received wired funds on XX/XX/XXXX in the amount of {$47000.00} from XXXX Bank [ Victim # 1 ], and immediately thereafter on XX/XX/XXXX and XX/XX/XXXX the fraudster made withdrawals totaling {$47000.00}. As a result that account had only a small remaining balance. 

On XX/XX/XXXX Wells very quickly returned {$47000.00} to XXXX Bank AFTER the fraudster had already removed nearly all of those wired funds. That action was clearly contrary to Wells own statement in its previous [ first ] response : After a fraudster has obtained the funds, the wire transfer can not be reversed. Wells did not in any way address this contradiction and did not explain or justify the basis for its return of {$47000.00} to XXXX. 

2. My second complaint discussed evidence showing that on XX/XX/XXXX the fraudsters Wells account received a second wire of {$47000.00} from XXXX XXXX [ same Victim # 1 ] and also my wire of {$24000.00} from XXXX XXXX. 

The evidence further shows that Wells received fraud recall requests from XXXX XXXX regarding Victim # 1 's wired funds, to which it assigned XXXX case numbers ending in XXXX and XXXX. Wells also received a fraud recall request from XXXX XXXX regarding my wired funds, to which it assigned a XXXX case number ending in XXXX. XXXX XXXX has advised that its fraud recall request was sent to Wells at XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. This evidence strongly suggests that XXXX XXXX recall request was received EARLIER than either of the two recall requests from XXXX. 

Nevertheless, on XX/XX/XXXX Wells returned funds to XXXX in the amounts of {$47000.00} and {$23000.00}, which depleted all remaining funds in the fraudsters account ; and as a result nothing was returned to XXXX XXXX. This evidence strongly suggests that my {$24000.00} wired funds which were recalled earlier by XXXX XXXX were wrongfully included in the {$70000.00} that was returned to XXXX. Rather, {$24000.00} should have been returned to XXXX XXXX, and the remaining balance of only {$46000.00} should have been returned to XXXX. Wells did not in any way address or explain or justify its actions described above. 

As discussed above, Wells Fargo has completely failed to respond in a responsible manner to my second complaint, and it must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX   was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXX placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XXXX XXXX I received yet another letter from Pendricks regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX   hospital and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX  collection. links to show XXXX XXXX XXXX and XXXX are in fact the same hospital. 


I understand mistakes can be made., Pendricks forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further. 
I woke up one morning and saw my score dropped 85 points due to this inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XXXX, XXXX XXXX Thank you, XXXX XXXX