23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, I am having problem with my student loan agency. They continue to call me after I have made a posted dated payment over two weeks ago. They informed me if I made a posted dated that the call will stop. However they have call me almost everyday and multiple times a day. Every time I told them the same thing, that I made a posted dated payment. I feel like I am being harassed ....
Product: Prepaid card

I complete jobs for the XXXX XXXX They pay with virtual cards. I always select the visa XXXX  card. Every time I get a new card and try to add it to my XXXX XXXX, it doesnt allow me to do so and tells me to contact the issuer. When I call the issuer, I have to wait on hold for over XXXX XXXX  for them to unlock the card and allow me to add it to my XXXX XXXX. This is a waste of my time because I already worked for this money and shouldnt have to waste more time trying to receive it. It makes my pay go down if I have to spend XXXX  the amount of time to claim payment. Today they asked me to call back after having me on hold for XXXX XXXX. Thats a whole hour of my time for a {$5.00} gift card. Plus the work I already did to get this pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, I became apprised of the fact that there are FOUR UNAUTHORIZED inquiries on my Equifax credit report. 
On XX/XX/2023 I notified Equifax of their error and demanded these unauthorized inquiries be removed. 
Equifax did NOT respond within the required 30 day period. 
My attorney recommended I file a formal complaint with the FTC for breach of privacy for the inquiries in question as release of my equifax information WAS NOT AUTHORIZED. I filed those reports ( FTC Complaints enclosed ) Equifax once again IGNORED the demand to remove the inquiries. 
I am left with no choice but to file formal grievance with CFPB and to formally put on notice to Equifax that there are now {$2000.00} into FCRA violations. 

Equifax depended solely on its flawed e-Oscar system and produced a canned boiler plate letter noting that companies can place inquiries. THIS DOES NOT COMPLY WITH THE LAW. 

As in Cushman v TransUnion, Stevenson v TRW ( XXXX ), and Richardson v Fleet ( Equifax ), the courts have repeatedly ruled that the CRA could not merely " parrot '' information from creditors or collection agencies ; they have to conduct an actual, independent investigation to ensure the validity of the inquiry. Sending out a generic letter through e-oscar does NOT comply. 

As Equifax is aware, each violation of the FCRA allows for damages of {$1000.00} should I take this matter to Court.

If Equifax fails to remove the noted inquiries, I reserve my right to take this matter to Court and obtain not just removal of these inquiries but also damages, court costs, and any other remedy enabled under both Federal and New Jersey law. 

Be guided accordingly
Product: Credit card or prepaid card

I opened up a 0 % APR credit card with capital one. When I applied for the card they did not make it clear that I would be still making minimum payments. I have used similar cards before for credit transfers and this was not the case. Missing the first payment is when I found out. As soon as I discovered the clerical error I payed the minimum and contacted the bank but they refused to work with me to take the derogatory mark off my credit score. This is my only missed payment in all my years of credit and this has dropped my credit over 100 points. I am submitting my latest credit report to show my credit history and to hopefully be able to resolve this by taking the derogatory mark off as it was a clerical error that was fixed as soon as it was discovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on my credit report.
Product: Vehicle loan or lease

I had borrowed money from Lendmark in XXXX, Texas with a title loan but on XX/XX/2023 I got hit and after sending my vehicle to a local auto repair shop I was told on XX/XX/2023 that my vehicle was a loss. Now Lendmark XXXX branch receive the same news via email ( due to the fact their local branch manager informed me via email of this ). She stated that once the check comes in she would contact me so that I can pay the remaining of the payoff ( at this time the payoff was {$7500.00} ) so the remaining balance is XXXX. However I notice that the payoff amount started to increase I informed her of this on XX/XX/XXXX via voicemail then she replied by email ( that the payoff change daily due to the interest on the loan and that the sooner I pay it off the lesser the interest. She end by saying she gave me a payoff quote the day I called in however she emailed me then she called me first and never gave me a quote I told her what the remaining balance was after she tired to sell me on getting another auto loan or refinancing the remaining balance. ). I reached out to XXXX ( it was also difficult to contact them too during since XX/XX/XXXX ) they informed me that they sent the check to them via standard mail early last week. XXXX, Texas to XXXX, Texas doesn't take that long. I have not been able to contact Lendmark XXXX TX Branch or Lendmark headquaters to pay the remaining balance. I fear that they are doing this on purpose to get more money out of me and ruin my credit of paying on time.
Product: Checking or savings account

Someone hacked into our checking account and forwarded money using our XXXX account to forward money to someone we dont know. They forwarded XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX to XXXX XXXX. 
We contacted Wells Fargo on XX/XX/XXXX and filled a claim. They denied our claim and stated that it was authorized by us. Which is not true
Product: Checking or savings account

I am a new citibank banking customer, I deposited {$15000.00} into a new Savings account and am unable to link an external bank account which would allow me to transfer funds back out of the account. I followed all steps online to link an external account, however when I try and make a transaction with the external account I receive the following message : We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option XXXX then option XXXX, or call XXXX XXXX if you are outside the U.S . Please have your AT

M or Debit Card number available. I have contacted Ci
tibank 5 times on the phone for this matter and none of the agents have been able to assist or find the problem. I have been told that my account is marked for fraud and have been sent to the fraud department three times, each time I validate my information and they tell me they can not help and transfer me back to technical support. 

After being sent in circles, I requested a supervisor callback, was told I would be contacted within an hour and never was called back. I called in 8 hours later, spoke with another supervisor, XXXX, who was extremely rude, she talked over me, interrupted and told me I needed to call back and talk with someone in the fraud department the next business day. After telling the supervisor, XXXX, that I had been sent in that loop all day, she told me she couldn't help and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED XXXX XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.
Product: Debt collection

This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds. 

I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action. 

The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?
Product: Credit reporting or other personal consumer reports

At some point in XX/XX/year>, someone stole my XXXX XXXX XXXX  XXXX credit card number and made a number of fraudulent purchases, including Experian credit monitoring. This was reported as fraud. The same fraudulent charge showed up on XX/XX/year>. This was reported as fraud. The fraud has since been repeated on XX/XX/year> and XX/XX/year> - and has been reported as fraud to XXXX XXXX XXXX. I've attached the receipt for the fraudulent service- notably, I'm not the person receiving it!
Product: Credit reporting or other personal consumer reports

I disagree with Experian investigation results. I demand a detailed explanation of the update done on my report on XX/XX/2024. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX acct # XXXX
Product: Vehicle loan or lease

In early XX/XX/2020 I purchased a use auto from XXXX 's XXXX in Washington State. At the time of purchased I was given paper work of my loans amounts and interest rate. After I left the lot with my new car, I received a call a couple of days later informing me of changes to my loan. The Financing Company is Westlake Financial, my interest rate and loan payment were higher than what I understood it to be. I did discuss my concerns with the dealer about my rates, I feel I was deceived and misled into a purchase without full disclosure of the rate I would ultimately would have. I was badly in need of a car, the dealer knew that and I feel they took advantage of my circumstances. I tried to call them to discuss the rate and request a lower rate they said there was nothing they could do, they said I could not bring the car back.
Product: Mortgage

Update to my complaint XXXX complaint CLOSED -- Select Portfolio Servicing , Inc. replied that they won a judgement in XXXX XXXXXXXX, but the XXXX did not pay them. That is demonstrably false. I have reviewed my records from my XXXX XXXX, and the XXXX denied that claim.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts on my credit needs to be removed I reported to the fraud department
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified this instances of late payments that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. This detail require your attention : XXXX XXXX and XXXX XXXX. 

I strongly believe there is an error in the reporting of this late payment, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. If necessary, I am prepared to provide any supporting documentation to validate my payment history.
Product: Checking or savings account

Around the XXXX of XXXX I went to PNC bank for a deposit at the drive thru. The manager/teller took it upon herself to verify a cashier 's check without my knowledge. I was in the drive thru for almost thirty minutes, so I decided to walk in and check on what was the issue since there was no courtesy of updating me. The manager/teller purposely gave me incorrect information saying that checks from a particular company have to be verified first. Moreover, after verifying the check she made the deposit, the very next day all of my accounts were blocked and restricted. I was told its nothing I could do with my accounts being under investigation for thirty days. Today is XX/XX/2023, all of my accounts have been closed except the very one that I deposited the cashier 's check into. In addition, I was told that I will not receive funds from that account, and they are working with regions bank to facilitate a return. As a consequence, I have four businesses that were without funds for thirty days and I have to repossess a vehicle after a customer gave me a verified cashier 's check. I am very frustrated and confused after doing business with PNC bank for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them because this is a violation of my privacy and I did not request for new credit.
Product: Debt collection

Dear XXXX ; National Recovery Agency ; This is fraudulent, not mine, never had relationship with non of these companies associated with. Basically, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card

I requested a balance transfer. It was approved. It posted which reduced my available credit by same amount. 11 days later I noticed the transaction was reversed without notice or reason after the fact. The money never entered my bank account, costing me hundreds of dollars in actual monetary damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with Experian three times regarding XXXX XXXX XXXX account number XXXX regarding payment history. They're reinvestigation remain unchanged from our processing of your dispute in XXXX of XXXXthe company that reported the information has certified to Experian that the information is accurate. Experian mailed me the results and once again the payment history is inaccurate incomplete an unverified. A proper investigation obviously has not been conducted, Experian continues to violate federal law the FCRA is very clear that any inaccurate unverified incomplete information must be removed. I will submit the documentation proving that Experian is still reporting inaccurate unverified information. Which they say is accurate.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Credit card

I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.
Product: Student loan

In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in XX/XX/2021 to examine incorrect information on my credit profile. After 60 days, I have still not received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX  XXXX , New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Product: Debt collection

This is a debt for XXXX XXXX and should not be on my credit report. They coninue to call my cell phone after I have told them not to call that number.
Product: Mortgage

I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

NELNET whom is the student loan servicer had disclosed the account balances as well.