23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Sallie Mae back in XXXX to let them know about financial hardship i am still experiencing after contracting XXXX while being XXXX  after i had to have an eXXXX XXXX XXXX XXXXXXXX to find some kind of relief options for me. I was told by my account manager that XXXX is pretty much not a thing anymore even as i held XXXXXXXX XXXX tests and XXXX XXXX XXXXXXXXXXXX XXXX  test result in my hand. I was then told to call back in XXXX to be considered for Forbearance. I called in XXXX just to be told that i would have to pay in order to be placed in forbearanceHOW? So I continued to receive at least XXXX calls daily as early as XXXX and as late as XXXX. I eventually started receiving email after email, and text after text but I cant pay anything if i am going through the worst time of my life financially. The calls continued to get really out of hand and we are now in the month of XXXX. I have tried blocking them but they continue to harass me even though I keep explaining that I cant do anything while on XXXX  and XXXX  months XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I checked my XXXX XXXX. I noticed that my score had significantly dropped. I then saw that my car loan through XXXX XXXX was in collections. I had no idea why. I've made every payment on time. They take the payment automatically from my bank account. As I have set it up this way since the beginning of my loan. I called the number for XXXX XXXX  provided by XXXX XXXX. I talked to at least XXXX people who were just as confused as I. They kept passing me on to the next person. Finally, a gentle man named XXXX helped me. He read through the notes and said they made no sense. He said that there was a note stating that on XX/XX/2022 I said that I will no longer be paying my account, but that didn't make sense that was 2 days before my first payment on the Vehicle. he then interpreted it to mean XX/XX/2022, but which makes no sense to me because no such conversation was ever held, and all calls are recorded. He also stated that there was a plan to repo XXXX XXXX, but for what reason he was not sure because he could see from his end that all payments were made on time, never once late. Also, he states that my account was sent to collections on XXXX XXXX which also makes no sense, because my payment date is on the XXXX. Also, it's the day before the supposed phone call. Now my account is in collections. with an extra {$170.00} attached to it. My credit score has dropped by almost XXXX points. I have 3 days ( 11 days at the time, ) for my XXXX son and I to move, and my credit is too low to move into any place now. I've tried to find a room to rent for now, but nothing is available for a single father in XXXX XXXX at the moment. All the rooms I find for rent are either for single men with no children, female only, or single mothers. now I'll be stuck living out of hotel rooms which are very pricey and will not have a stove to cook for my son and I while I slowly work on fixing my credit. XXXX XXXX said the only way to immediately fix my credit was to pay the remaining balance in full, plus the additional extra fee before XXXX, which would be impossible for me. especially with my now very low credit score, I wouldn't even qualify for a loan to pay it off. He tried to get me a discount but wasn't able to. he was so upset for me he started cursing on the phone saying this is all XXXX. He apologized for what happened to me and set me up with a new payment plan starting the next month so I could enjoy my XXXX with my son. After doing the math myself the plan he gave me actually was interest free and saves me {$5100.00} in interest fees. But in the end, the situation still puts my son and I on the road without a home and nowhere to cook. Also, it would hinder my small business catering for parties and selling food from home where I make anywhere from, $ XXXX a month. I also Have a wedding to cater for the end of XXXX that is paying {$25000.00} that will have to be canceled if I have no kitchen to cook from.
Product: Credit card or prepaid card

I requested a cash back withdraw of XXXX on XX/XX/XXXX. I was only given an amount of XXXX in my checking account on XXXX. Working in development I figured that there was a rounding or input error and was trying to get someone to look into the event. The first call I made on XXXX was unsuccessful because of the lack of business days passing between the request and their guaranteed date.When I called today I was left on hold for 25 minutes with no response and when trying to contact through messaging I was told to call the number that was not helping earlier. I don't think the bank Comentity is a legitimate banking practice if they are making errors like this when money is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Wells Fargo has posted incorrect information to credit bureau stated that my " Wells Fargo credit card account does n't paid on time as agreed, proportion of balance to credit limits on Wells Fargo bank is too high ''. This incorrect information is damage my credit score which I am unable to obtain credit cards.
Product: Credit reporting

Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to experian disputing errors on my report. They refused to investigate stating it wasn't me even though it was me disputing. This is the 2nd time this has happened. This was just disputing collections and inaccurate addresses
Product: Credit card or prepaid card

The week of XXXX, XX/XX/XXXX I was in XXXX XXXX staying with friends at a Wyndham Resort. The staff talked us into attending a 90 minute timeshare during which our representative asked my husband and I for some financial information so that he could determine how many points we might be eligible to buy as well as what our down payment amount would be for the purchase of those points. The following week I received a Wyndham Rewards Visa credit card in the mail with a total credit line of {$19000.00} ( as well as a XXXX XXXXXXXX Line of Credit Account with a credit limit of {$10000.00} ). I was able to get both of these accounts closed immediately upon becoming aware that they had been opened in my name. I called to file a complaint with Wyndham and was transferred to 8 different phone numbers over the course of several days. When I was finally able to file a complaint ( case # XXXX ) I was told that it would be handled internally and I would not be made aware of the resolution. I never gave authorization to open either of these accounts. I have impeccable credit and now have a hard inquiry on my credit report ( when we were assured it would be a soft inquiry and only for purposes of determining our eligibility for purchasing timeshare points. I monitor my credit closely and have declined credit limit increases for cards/accounts I already own. I would never agree to opening up almost $ XXXX of available credit! When I searched consumer reviews of Wyndham there were hundreds of complaints all basically telling the same story I have and it seems nothing is being done. I have worked in XXXX XXXX for many years and this is fraud/misrepresentation and a UDAAP if I've ever seen one. Please help me and so many others get justice from Wyndham who seems to think being out of regulatory compliance is an acceptable way to conduct business. 
Thank You for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity theft. I received a copy of my credit report after being denied housing and employment. I have been reaching out to these companies since XX/XX/2023 stating that I am a victim of Identity theft and that there are incorrect names, address, and accounts that are not mine please verify. Because the credit monitoring services are by law supposed to verify that all information reported has to be 100 % accurate. These companies violated my consumer rights by reporting inaccurate unknown information without my written consent, and is ignoring my request for verification within a timely matter. Not only have these companies violations affected they have also affected my family 's lively hood as well. I have been denied employment and housing due to this inaccurate, negative, unknown information reporting to on my credit report every month which is negatively imapacted my credit rating and scores. This has cause my family XXXX XXXX XXXXXXXX, and XXXX  due to being denied employment and housing. This inaccurate is causing me and my family embarrasement by affecting our character in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one fraudulently made a credit inquiry on my report
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 - I received a robo call from the debt collection company identifying as XXXX although XXXX appears to have sold the debt to JTM Capital Management , LLC and would be handling the matter as of XX/XX/2018. XXXX claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said JTM was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from JTM indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX and got paid by a customer with a cheque which I deposited in my account, the bank ( Bank of American ) closed my account, they said because they could not locate the account. 

My credit score on the Banks app shows XXXX XXXX XXXXnts and when the Bank closed the account it was reduced which is understandable, I reported the issue to XXXX and I got a report that was even worst, it says my XXXX score is XXXX. 

Last month XXXX the XXXX score got more reduced, I want redress and compensation.
Product: Credit reporting or other personal consumer reports

I filed ch 7 bankruptcy in XXXX, XXXX in XX/XX/XXXX. I have repeatedly disputed the tradeline with XXXX XXXX XXXX XXXX as they should no longer be listed on my report after my bankruptcy discharged. The credit bureaus have failed to properly investIgate this matter and continue to allow the reporting. This is damaging my credit and hindering me from obtaining a mortgage or a new line of credit. Its causing unnecessary stress and wasting hours of my time having to keep following up. I demand this tradeline be removed from my credit immediately or my next step will be legal action against both XXXX XXXX XXXX XXXX and the credit bureaus. A creditor can not report a tradeline after a XXXX Chapter 7 bankruptcy as it is illegal for them to do so ; once a debt is discharged in bankruptcy, the creditor is prohibited from reporting any negative information about that debt on your credit report.
Product: Debt collection

CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.
Product: Credit card or prepaid card

I made on charge on XX/XX/2020 for XXXX and somehow a charge was also placed on XX/XX/2020. My limit was XXXX now it is XXXX. They are charging me for something I never ordered. I have tried to talk to them and they refuse to even listen. They keep giving me the run around. This is fraud XXXX XXXX
Product: Checking or savings account

Hello, I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit card or prepaid card

Charges upheld by my credit card company that I did not authorize or disputed : a charge from The XXXX XXXX for items that were not delivered to me, taken back by company, resold by company. I told this company that I would NEVER shop with them again. Charges made to the same company while I was held in XXXX ( no access to purse including, but not limited credit card & phone ... no computer access ). A lot of charges made while I was in the hospital with my mother after a XXXX. This company let this company get away with this even after making it almost impossible to use this card for everyday charges in the past for fear of fraud. They allowed these charges, not me, but want me to pay for their mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ).

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, 599 F.2d 341 ( 9th Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within XXXX days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within XXXX ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.
Product: Debt collection

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove. 

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. XXXX XXXX XXXX claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by XXXX XXXX XXXX. Therefore, by the FDCPA that XXXX XXXX XXXX was not able to prove that I signed a renewal lease. So, XXXX XXXX XXXX was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and XXXX XXXX XXXX agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. XXXX XXXX XXXX spoke with XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX XXXX is at extension XXXX and XXXX XXXX extension is XXXX. Both XXXX XXXX and XXXX XXXX claim that a renewal lease was signed and they needed time to get the information after I sent the creditor 's validation letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, XXXX XXXX XXXX is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of XXXX XXXX XXXX from my credit report. I am going to provide all my evidence to my case. 
Also, XXXX XXXX XXXX spoke with XXXX XXXX the Manager and he said on a recording that they mailed out the responding letter to my creditors validation letter on XX/XX/XXXX. In which he was not truthful either this is just more evidence this account should be removed from my credit report. I am going to provide factual information even on the letter that was provided by XXXX XXXX XXXX XXXX XXXX they have the wrong person on the contract it has XXXX XXXX which is the tenant that moved in right after I left the complex.
Product: Credit card

Keeping up with timely payments has been a priority for me on this account, preventing any instances of overdue payments. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian # XXXX, XXXX XXXX XXXX, an XXXX XXXX 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 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.