23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FASA has a form on file stating i owe student loan repayment for a school I never attended. Nelnet department of education which is the loan servicer has the wrong information and I'm not responsible for this repayment at all. 

On XX/XX/year> XXXX has conducted a search for the school and no records were found for the application i submitted back in XX/XX/year>. The school on file that Nelnet department of education has on file does not belong to me.
Product: Payday loan, title loan, or personal loan

I was double-charged for my HVAC system loan which put my bank account thousands of dollars in the negative. When I called to rectify the issue, XXXX told me that it would take up to XXXX ( XXXX ) business days to have the double-charge reversed. I asked to speak to their supervisor, because this is completely unacceptable given that it's Koalifi 's fault. Their supervisor told me the same thing and advised me to contact my bank to put a stop payment on the amount. 

This is completely unprofessional behavior and I do not understand at all why the company could not wire me back the funds it double-charged me for.
Product: Credit reporting or other personal consumer reports

Looking at my credit report and accounts have been closed. I do not recognize the closure if there was payments being made.
Product: Credit reporting or other personal consumer reports

This is to express my significant concern and dissatisfaction with the outcome of the attempt to remove fraudulent items. It is crucial to address this matter promptly and comprehensively to uphold the integrity and fairness of the process.

Despite the concerted efforts made during the initial attempt to remove fraudulent items, I am deeply disappointed with the outcome. The presence of fraudulent items not only undermines the credibility of the process but also casts doubt on the effectiveness of the measures in place to prevent such occurrences.

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence. With this, I am asking for your assistance to remove these fraud items in my credit file : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Mortgage

I bought a newly constructed home. My lender stated that a " XXXX XXXX '' title insurance was sufficient for their needs and they wanted a clear title without exceptions. My seller complied with Oregon Homeowner Protection Act ( HPA ) by providing me a " XXXX '' title and maintaining a bond around mechanics ' liens. However, my title company insisted that I buy " XXXX '' insurance in order to provide lender a title without mechanics ' lien exception, which ended up costing me {$880.00} more compared to " XXXX ''. They said whether the seller maintains a bond is immaterial and I need to pay them the extra premium to remove the exception and get my lender a clear title. To me, it felt unfair because my seller has already de-risked buyer/lender against the risk of mechanics ' lien by complying with HPA. The title company bore XXXX risk while collecting {$880.00} additional premium. My seller selected the title company and I had to close on time, so I agreed to paying the extra premium but I felt strong-armed. It feels unfair at best and illegal at worst that I had to pay {$880.00} extra to my Title company to cover a non-existent risk.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion on numerous occasions to assist me with correcting my credit report. There are multiple addresses, and my phone number needs to be corrected as well. I have also disputed the accounts such as XXXX {$11000.00}, XXXX Credit Card {$280.00}, XXXX XXXX {$490.00}, XXXX XXXX {$210.00}, XXXX XXXX {$120.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$340.00}, XXXX {$79.00}, and XXXX Funding {$880.00}.
Product: Credit card or prepaid card

I asked the company to close my account after paying the illegally charged {$33.00} on the last statement and now I have another statement that just came in on what is supposed to be an already closed account. The company said they would yet Im still being charged interest on a CLOSED account. Next step : seeking legal counsel and pursuing appropriate authorities as this has now become flagrant and obvious manipulation. This is my final complaint towards this PIECE OF XXXX COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX   XXXX {$810.00} XXXX   XXXX {$1200.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$2700.00} XXXX/XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

The United States District and Bankruptcy Courts for the District of Columbia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH MYEQUIFAX.COM. PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED EQUIFAX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE EQUIFAX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. EQUIFAX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/XXXX
Product: Checking or savings account

Fraud checks were deposited into my bank of america account and XXXX XXXX account around XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested this loan for Solar panel which does not work. XXXX XXXX XXXX has now closed and does not support the system. Since I got installed I continued to pay the light bill and the loan from good leap in which I cant afford. I am paying a loan of $ XXXX monthly and light bill which is the same amount. I want this loan dismissed and these solar panels off my roof! They claimed it was fixed but its a lie! I'm still not seeing enough energy produced to sustain my house like I was promised when they installed the solar panels. This loan is for 25 years for a system that does not work! They said I was going to receive compensation for the time I called to when they claimed they fixed it and when I called they said it was no longer being given. They literally waited for the tech to come to send that letter that I was not going to get reimbursed. 

This is not fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

In XX/XX/XXXX I had The Money Source take fund from my escrow account. Which then raised my mortgage payment. They tried telling me I have tax liens on my home. Which i did not. The closing company made an error. They never adjusted my mortgage payment. I have paid my mortgage on time since. I live pay check to pay check mind you. One income household. XX/XX/XXXX I paid my mortgage three days later XXXX  returned XXXX and XXXX payments. I called my bank to clear this up. They stated that this is on the mortgage companies end. I called XXXX  Monday they told me everything is fine and processed through to call back tomorrow just to double check. I called Tuesday another lady said the exact same thing. I said mark my account because this will be on you guys then. Sure enough I owe for XXXX and XXXX now. I used the money to pay off other bills I have. I am trying to catch up. One of their managers told me that my bank did it because they didnt recognize XXXX  XXXX Which is bull since I have been using the same account for 2 years. I paid XXXX back. I cant afford XXXX now. She told me they can add it for three months. Making my payment XXXX. Which is more then my pay check. I can't afford that. I had to fill out hardship paperwork etc. Now they're going to report to the credit bureau negative remarks. Which is not fair since I didnt mess this up. Instead of XXXX owning they XXXX  multiple times they blame me the customer. I don't want to hear I am sorry and hope your day is great. I want this fixed. I should not have a negative impact on this. Nor should I really owe this money. Noone I have ever talked to has heard of this happening who all own homes. It took me five years to get a home alone after I was cheated on and left with nothing. none of this really matters, but trying to survive in life is nearly impossible. I am in XXXX and need help with this. Really sad companies can do this. worst company I have ever worked with. I have also read multiple complaints from customers with issues with them. They need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I requested verification of an alleged account... 
XXXX XXXX ... XXXX. They, XXXX XXXX responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In    XXXX  2016  I  went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Vehicle loan or lease

In XX/XX/2024 my car loan came to term after 72 months. Prior to the last month went onto the payment portal to request a final payout amount. At such time their " request pay amount '' button continued to loop me back to the homepage with giving the requested information. I then sent a formal request in writing to the given address. I also disputed other unknown amounts as well. When I did not hear back within 14 days I accessed the portal and made another full payment on XXXX XXXX. Still with no response on XX/XX/XXXX I accessed the portal which told me that I have a full payment due. I again made another full payment and awaited a response. On XX/XX/2024 my credit was depleted by nearly 100 points due to 30 day delinquency. When I called the admitted that it was not 30 days late but told me there was nothing they would do. I was laughed at and hung up on. They stated that they would nothing for the fees and they would not allow me to speak to their legal department. For the full term of my loan I have PERFECT payment history. But on the last payment mysteriously there are problems. My account has increased to over {$500.00} and no remedy from this company. They told me that they took the fees from the XXXX payment so there was nothing they would do to reimburse. Yet they say I have an outstanding balance after EVERY payment was made on time. Now they are holding my title and are threatening to report me LATE with a 90 day penalty. Again there has been no 1 single late payment reported in 72 months of the loan term.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$250.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support account # XXXX is with XXXX XXXX not XXXX XXXX XXXX. XXXX XXXX XXXX was contracted by XXXX  XXXX to collect withholding only. They do not own this account. It is a XXXX  XXXX account. ( see attached email ) XXXX  XXXX XXXX continues to report incorrect information even after a representative from XXXX  XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX  XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX  reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : EXPERIAN - XXXX   XXXX XXXX  reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX  XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Product: Checking or savings account

It was multiple dates they overcharged my car for every atm transaction which was doubled. Ive banked with Wells Fargo for like XXXX  years and when I asked them about the double transactions fees they said it was the atm or I could goto an Wells Fargo bank and there wouldnt be any fees at all but theres no well Fargo in my area.. but now that I use another bank and closed that account I still go to the same atm and not being double charged almost XXXX per transaction
Product: Debt collection

In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.