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

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX XXXX  .I have no knowledge of this inquiry.
Product: Debt collection

XXXX XXXX and zarzaur & Schwartz PC ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX  and when I asked for the original signed contract they were not able to provide it
Product: Mortgage

Removed access to information from account. 
Removed access online. 
Not mailing requested information. 
No statements being sent to property address despite numerous requests.
Product: Student loan

My daughter has student loans serviced by American Education Services ( AES ). I am cosigner on those loans. Over a period of time from XX/XX/XXXX to XX/XX/XXXX, payments made directly to AES by my daughter have been lost or stolen by AES. There are 17 missing payments at this time, totaling more than {$10000.00}. My daughter and I have provided three different types of proof, including actual bank statements from her bank, showing the date and amount of payment made directly to AES. They continue to say they can not " find '' the funds. We have contacted also the Pennsylvania Higher Education Authority ( PHEAA ) and their Office of Consumer Advocacy. These people are supposed to be advocating for the consumer and holding AES accountable to try to correct the multitude of errors and complaints about AES. However, all PHEAA have done so far is make excuses for AES and tell me how they are a huge company with millions of people making payments. My daughter and I have called AES and PHEAA many, many, many times to try and resolve this. They have terrible customer service and inept financial management. However, even though we tried and tried to get a resolution and produce evidence of our payments, they continue to send a barrage of emails, phone calls and letters to say we are delinquent. Both my daughter and my credit reports are full of indications of " adverse '' results and delinquent accounts. My daughter stopped making payments for a few months because she is afraid of more funds being lost or stolen and we received notice they were going to send our information to collection agencies and we would be required to pay the amount in full. She set up a system then to begin to make payments again while this is sorted out, and the first payment was received and credited with no problem. Now the second payment is again " lost '', even though she went on the AES system and make the payment with direct debit to them, just as they had instructed. Once again, the money is taken from her bank account and paid to AES, but AES says they never received it. PLEASE make them credit my daughter 's loan balances right now for the {$10000.00} that she paid to AES. ( {$9200.00} paid and not credited to her account in XXXX and {$1400.00} paid XX/XX/XXXX and not credited to her account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXXE XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I received a copy of my Equifax report and was informed there was a charge for {$32.00} from XXXX XXXX XXXX from XXXX ; however, no additional information was available. 
I have no idea who or what this charge is for. I have never received a {$32.00} past due medical bill, so I can only conjecture it was a fraudulent charge ( either mixed up with a similar name or incorrectly assigned to me. ) However, I also wanted to make sure that it was not a bill that I had never received and had been sent to collections. IF it were my bill I would be willing to pay the actual amount - but I never had received anything. 
Last week XXXX XXXX XXXX ) I called XXXX to request details- stating I had no idea what this charge was for, and asking for a return phone call, and clarification. 
I have NOT received any response, therefore I can only assume it is a fraudulent charge!
Product: Payday loan, title loan, or personal loan

I am an individual with perfect credit and have had my Barclays loan for several months without issue. 

Back in XXXX Barclays extended me a deferment due to Covid. And asked that I put a stop payment with my bank ( XXXX XXXX ) for the autopay that was setup. And advised the next payment would be due in XXXX. 

First week of XXXX, I make a payment online at Barclays, days later the payment shows as Barclays as posted. 
Then several days later I get another email stating another payment is due, I login and see that the XX/XX/XXXX payment is posted but another payment is due, so I go ahead and make a payment for that as well. 

Then in early XXXX, I get another email stating another payment is due. 
Even after I see online that XX/XX/XXXX and XX/XX/XXXX payments were posted. 

And now the system is also showing me past due. 

So I call barclays and do some more digging in the online system, only to find out that Barclays was showing incorrectly that XX/XX/XXXX and XX/XX/XXXX payments were posted, they had infact been returned. 

Barclays said XXXX XXXX had not honored the payments. 
I called XXXX XXXX and found out that there was a stop payment put in place since XXXX that had not been lifted, whereas I was under the impression that the stop payment was just put on there for one month. 

I went ahead and fixed this issue and made the payment. 

However, I have been marked late for the month of XXXX for my Barclays card.
Product: Credit reporting or other personal consumer reports

I will XXXX  before this year end. if my issue is not resloved. 
i have been victim of identity theft for over 9 years. i have been trying my best to reslove this issue. i have did what is in my power. but they are not listening or understanding Law Lets use the power of Law now : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Attached ( 2 ) a copy of an identity theft report ; Attached, Police and FTC ( 3 ) the identification of such information by the consumer ; and Attached ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Answer : Experian, XXXX, XXXX and XXXX XXXX : first delete all my information. because of you data, i can not rent a apartment and lost job with DHS-ICE and many more. this is my last try before i XXXX before year end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chapter XXXX bankruptcy which was discharged on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy Court explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.
Product: Debt collection

I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.
Product: Student loan

On XX/XX/XXXX I consolidate my private student loans from XXXX XXXX and XXXX using XXXX. For XXXX XXXX, this was especially important because they were in the process of selling my student loan to Firstmark Services. I have a confirmation from XXXX that both transactions were settled, nothing erroneous occurred and from my point of view, I had a new service provider to pay off my student debt. 

I was able to get the 10-day payoff information handled and the check was sent to XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sent the check to Firstmark Services on XX/XX/XXXX ( according to the phone call I had with Firstmark on XX/XX/XXXX after I received a bill in the mail ). Of course, this to be in error, and on my first call with Firstmark they told me the entire balance was paid off and the representative I spoke to assured me their supervisor was updating the balance to {$0.00}. This call was on XX/XX/XXXX where I spoke with XXXX who assured me her supervisor was updating the balance to {$0.00}, so the fact that I am paying interest for this is beyond me. 

I received another bill for {$54.00} on XX/XX/XXXX, up very slightly from {$54.00} on XX/XX/XXXX, so I called Firstmark because I assumed it was an error. The representative informed me this amount I am being asked to pay is the interest associated with my account because there was 10 days between when they received the payoff check from XXXX XXXX and when they ( I guess ) started to accrue interest on my loan. For all I am aware, and was aware, nothing should have even been sent to Firstmark past XX/XX/XXXX when XXXX sent the check to the first institution. I called XXXX XXXX and they have claimed no association with this new bill, I called Firstmark and they are saying it is because of the delay involved with XXXX XXXX. 

I know I am not the first student to feel completely defeated in trying to overcome student debt, and I understand this amount is not large compared to what I have dealt with in the past. However, the fact that XXXX XXXX is able to sell my loan to another provider that doesn't honor the pay-off date feels corrupt. I should not have to pay Firstmark for " hosting '' this student loan balance for 10 days, at a rate of {$5.00} per day, when the check to completely pay off the loan had already been attributed on every other end of the matter.
Product: Mortgage

XXXX, from Wells Fargo Bank, called me at XXXX XXXX today to talk to me about my complaint number XXXX to the Consumer Financial Protection Bureau. She told me Wells Fargo Bank does not know how or why I received the letter dated XX/XX/2018 that stated my mortgage had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/2018. 

She told me my mortgage would be transferred on XX/XX/2018 and any payment made after that would need to be made to XXXX XXXX XXXX XXXX. 

I attempted to tell her Wells Fargo Bank is trying to undo what's been done and to keep my mortgage transfer with payments confused ; that I needed to receive this in writing. I tried to tell her I should have been notified 15 days prior to the mortgage transfer. However, she kept talking over me and would not listen to what I was saying. Finally I told her " call me back when you are ready to listen to me '' and hung up on her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX/Fortiva XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX
Product: Checking or savings account

On Tuesday XX/XX/XXXX at approximately XXXX XXXX  I tried to deposit XXXX USD at my local TD bank in XXXX, CT via ATM deposit. When I put the money in the ATM, the machine calculated it as XXXX. So I opted to cancel the deposit and return items. The ATM only returned XXXX USD ( XXXX XXXX dollar bills ). I immediately called TD bank and filed a dispute. Claim number is XXXX. They also recommended I talk to the local bank manager about getting a credit. 
I went to that same TD bank in XXXX to speak with someone the next day on XX/XX/XXXX, approximately XXXX XXXX. I spoke with someone named XXXX. She said she can see the dispute and will speak with her manager about giving me credit for XXXX  days until the bank gives me credit while the investigation is underway, investigations take XXXX days they said. At XXXX XXXX she calls and says they approved the credit. 
Today, Sunday XX/XX/XXXX, I open my account and see a withdrawal of XXXX. I call the bank customer service and the man says they denied the dispute on the XXXX. In XXXX days only and reversed the credit. He could not give me more details when i asked as he said he can't read some of the handwriting on the claim form. After some talking he filed a new dispute : XXXX In short : the TD bank ATM did not return all my money I was trying to deposit. The bank is denying any errors or fault in the ATM. If the cameras were checked, one would clearly see a discrepancy in the amount I had in my hand before and after trying to withdraw.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX Amount : {$430.00} Date Opened : XX/XX/2022 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, XXXX XXXX, and LVNV Funding LLC. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX LVNV Funding LLC Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : LVNV Funding LLC These entries are damaging my credit report and, upon review, may contain inaccuracies or reporting issues inconsistent with the XXXX XXXX compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with XXXX XXXX standards, including the reporting of balance, status, dates, and creditor information. 
Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report. 
In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 XXXX and TransUnion have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and XXXX and TransUnion the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.
Product: Credit card or prepaid card

Wells Fargo at the XXXX XXXX in XXXX sc opened a bogus account. XXXX XXXX was the banker. When the credit card and statement arrived there was no balance associated with it. We called to complaint to the manager and he denied this practice this was late XX/XX/XXXX-XX/XX/XXXX they took advantage of a XXXX XXXX.
Product: Vehicle loan or lease

bought a XXXX XXXX XXXX in XXXX from XXXX 's auto sales in XXXX ; CO and was financed through XXXX XXXX XXXX XXXX and was paid off in XXXX. 
XXXX 's auto sales advertise 9.99 % auto finance. 
XXXX XXXX finance charges that stemmed from a refusal to negotiate car prices : XXXX also refused to negotiate prices with Me, but did negotiate with cash customers. The resulting finance charge should have been included in the disclosed cost of credit. 
Hidden finance charges included {$1600.00} for a required repair warranty and {$100.00} for a required GPS payment reminder device. I was told I could not take the car out of the state of Colorado without permission after I already sign for the loan and claimed I could not back out of the loan because of this condition of the loan I did call Herbies ( now called XXXX wise auto ) and contacted XXXX about this matter she confirmed my account and said her manger would call me but never did and now will not return my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the XXXX XXXX about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the XXXX needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over XXXX points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.
Product: Debt collection

Court proceedings were filed against me on XX/XX/XXXX by Midland Funding LLC for a debt that was originally charged off by XXXX XXXX XXXX XXXX and sold to Midland afterwards.