23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported that I have an " open account '' with XXXX XXXX a 3rd party collection agency that has a loan or account that originated from XXXX XXXX. XXXX XXXX posted the balance as XXXX and the highest balance as " XXXX. '' I don not have a balance with this company or a contract with them. I do not live as the address they posted. I was informed of this collection on XX/XX/22 and asked them to validate the information and I disputed to XXXX. XXXX has done nothing except give them my address, which I did not authorize them to do, I sent proof of my address - bank statement which they turned around and gave to this 3rd party. The information is INACCURATE and should have been deleted instead of providing them with my address to repost a new debt. This has lowered my credit XXXX points and now I will be in a difficult position to obtain a mortgage, and the information is inaccurate and violates my rights. It should be deleted immediately. I will lose my option to purchase a home.
Product: Student loan

I have been patiently dealing with aggressive business tactics from an unorganized company named Sallie Mae. I have been actively trying to find some type of resolve because sallie mae constantly calls my phone, as well as my co signer ' phones, so much so that it feels like harassment. I graduated a year ago in XX/XX/XXXX 2016 and when the time came for me to start paying my loans back I was being asked to pay over {$800.00} dollars a month which was completely impossible for me because I was fresh out of college working for $ 9-10 an hour at local retail businesses. I had to request forebarence until I could figure out a better repayment option. This became a trend because sallie mae refuses to lower my payments. I tell them I am not able to pay over {$800.00} a month and they ask for my co-signer. I told them multiple times my co-signer could only help a little bit and yet they still keep trying to force me to make these absurd payments. This has gone on for too long now and it seems like the situation is getting worse. Most recently, I tried to get an income driven repayment plan and somehow that made my monthly payment go up to over {$900.00} a month. I am living at home with family and I am not able to afford even half of this and I voice this concern quite frequently yet it goes ignored. I have had multiple issues with their employees over the phone. One example being when I requested another forbearance, the associate entered my card information incorrectly when taking the payment for {$150.00}. This caused an error in the process because their system and staff understood this mistake as me not having enough money in my account. This error also caused a negative action to my co-signer 's credit. It was discovered via recorded phone conversations that the mistake was actually made by the sallie mae employee. Sallie mae never contacted us and made us aware of what was going on. After a few days went by and I had not heard anything back I had to call sallie mae. When I called, I was infromed they concluded the mistake was made on their end. They were also supposed to be fixing my co-signer 's credit report and they did not inform us of any of that information either. We had to periodically call to receive updates. When it 's time to make a payment I receive at least 3-5 calls a day from sallie mae representatives, but when they make an error that negatively effects my loan status as well as my co-signer credit report we do n't hear from them for days? This is just one frustrating example out of the many ; all which can be proven via notes, and phone recordings in their system. I fear I may have to take legal action against sallie mae soon if the manner in which they do business does not change.
Product: Student loan

I have requested my loan service provider ( edfinancial ) to refund a payment of {$10000.00} I made during the pandemic because I qualify for the {$20000.00} loan forgiveness outlined by President Biden 's student loan forgiveness program. I requested this refund on XX/XX/2022. Edfinancial said it will take up to 6 months for my refund to be processed. I never received confirmation that this refund request has been initiated, nor clarity on why the timeline is very long to process this refund ; I see no activity recorded from their end on my edfinancial account of me submitting this refund request. I have called twice asking for a confirmation email to be sent to me that states edifinancial has received my refund request, and clarity around : 1 ) why it would take 6 months for this refund request to be reflected on my account since other service loan providers have a much shorter time frame for processing and have been able to reimburse people much faster 2 ) why edfinancial is providing inconsistent timelines to different people ( I have peers who have been told they would receive it within 180 days versus 6 months for me ).
Product: Checking or savings account

My card was compromised for {$1200.00} plus dollars. I can not get direct express to refund money after winning my dispute.
Product: Debt collection

I have NEVER opened an account with I C SYSTEM INC ( Account Name ) XXXX in XX/XX/XXXX or any other time. I have asked for proof of the debt twice, my signature, date that I signed the contract, etc. via XXXX  dispute resolution program and have not received resolution as of XX/XX/XXXX. The debt remains and is noted to remain on my credit until XX/XX/XXXX. I have no other recourse but to contact you because the credit bureau dispute program is not of value to me.
Product: Credit card

Capital one just closed both my XXXX XXXX and XXXX for no reason, I dont care about them closing the account because for the last two years Ive made all payments on time have 99 % payment history and 100 % on time and never ever have they approved my credit limit increase Ive even paid both cards off and still get denied increases But issue is they have submitted a statement that is false. They have shared that I have committed Fraud and I have not. Ive asked them to remove the Statement of Fraud and if, you all dont settle the matter I, will sue them for slander. 
I requested information regarding what fraud was committed never got that, Ive attached payment history, last payment made to this complaint Im current no payment due But they closed account saying I committed fraud, it should be against all laws to slander a consumer like that I want proof statement ( fraud ) is removed, letter stating no fraud sent to me and anyone they shared this with My payment isnt even due till XXXX, because I pay in advance to avoid high interest they charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Product: Credit reporting

My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
Product: Credit reporting or other personal consumer reports

I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom transunion is verifying this information with?? 

Transunion Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy
Product: Credit reporting

I requested a copy of my credit report from Equifax on-line, but could not get it, so I mailed in a paper request with the required documentation. In XX/XX/XXXX Equifax contacted me and said they needed XXXX document from each of XXXX categories. On XX/XX/XXXX I wrote back that I had already provided XXXX document from each category. Then they never wrote back and never sent me a copy of my credit report. I am a victim of identity theft, so I need access to my credit report to make sure it does not contain incorrect information.
Product: Mortgage

On the PNC mortgage website, I navigated to the option for changing my automatic payments. I increased the amount I pay them from {$2000.00} a month to {$2000.00} a month. Since I've done that, they are now taking out {$4000.00} per month from my account. On XX/XX/2021 PNC took out one mortgage payment for {$2000.00} and a 2nd payment for {$2000.00}. I called them and spoke with a representative. They refunded my money via a paper check 15 days after the incident had occurred. The representative was asked to remove the automatic payments in the future of the {$2000.00}. He said this was taken care of and that I would have no further instances of this happening. However, XX/XX/2021, I had the a payment withdrawn for {$2000.00}. On XX/XX/2021 an additional {$2000.00} was taken out of my account as well. I called them and told them they need to cancel the payment or wire the money to me because I am out of town and need the money. They refused and said it must be sent through paper check, again. This was supposed to be resolved when I called them around XX/XX/XXXX but they failed to fulfill my request and are continuing to withdraw double the amount I owe on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately XXXX XXXX XXXX -- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent the paperwork according to the FCRA to the credit agencies. They have not responded and not removed the fraud from my credit report. And they are not attaching the paperwork to my disputes. 

The account is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Collections that are being challenged XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

The company states the I owe a debt with 2 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 2 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. Delete the two accounts starting with the numbers XXXX, XXXX as soon as possible.
Product: Debt collection

I have a collections account on my file that I have never done business with from SUNRISECREDIT SERVICE # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent. I have never had cable service from the listed company nor have I stayed at the address on that account.
Product: Mortgage

I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept it.
Product: Debt collection

I received a call from XXXX XXXX, didnt say the company name other than the transcription of the voicemail she left. I called her back and they said that I owe {$910.00} and they will settle for {$760.00}. They said it was from prior to 2013 but didnt have exact date and amount. I asked for documentation because I do t recall this and she said I would need to get my attorney to request that at this point and I only had til XXXX to resolve this issue. Here is the transcript of the voicemail that was left prior to me calling back : special ending in XXXX my name is XXXX  ______ I'm calling out of the processing division _ location services off of trying to locate XXXX XXXX of a formal complaint eight and three counts of raw charges that are currently pending against you please be advised it is in your best interest to make immediate contact with the _________ a senior associates in the legal department have already obtained to legal ______________ _ _________ case in court against you if you have a legal right to contact appointment directly prior __ processing which is scheduled to have local ___________ sent to your residence and ____ seven appointment to have your process please contact the legal department _____ __ XXXX XXXX  issues standard time today to possibly prevent any further charges moving forward against you carry supplies of XXXX extension XXXX please make _____________ case back it in XXXX this is your last and final notification best of luck to you ___________
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report shows incorrect personal details, likely caused by an administrative error.
Product: Mortgage

In XX/XX/XXXX I was legally awarded a property that was financed through Nationstar Mortgage following a divorce. It was stated in the divorce decree that I was legally responsible for the mortgage loan yet the mortgage company continues to refuse to speak with me regarding this account. I had to eventually refinance this property through a different financial institution because of all the problems they gave me. I have been trying to get an escrow check from my account after they tried to send it to my ex-husband but it was returned via return mail in which they then called my cell phone asking if I could provide a sufficient address for them to send him MY escrow check ( which I feel should actually illegal for them to do since I have submitted legal documentation that he has no financial or legal interest in the property and I had been making all payments on that loan since my divorce decree held me responsible for the loan ) but each time I call they transfer me to someone different, request several different documents to be sent over and then say it will take up to 10 business days to process those documents. I can never speak to a supervisor. I was given a supervisor XXXX XXXX email but he never got back in contact with me after sending him a quitclaim deed and my divorce decree AGAIN. I had to call back several times and speak with other customer service representatives. Today I was given a supervisor 's email that keeps coming back to me as error return email, her name was XXXX XXXX. I 'm not sure if I was just given a fake email so they could get me off the phone. No one can ever helps me with this situation. Here I am in XX/XX/XXXX still dealing with an issue that should have been resolved years ago and they still have my money from my escrow account. They refuse to acknowledge legal binding documents and refuse to help me with this matter.
Product: Credit card

I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.
Product: Credit reporting or other personal consumer reports

I tried XXXX times sending letters to Experian to fix an error they are reporting me a late payment on XXXX account number XXXX Experian is reporting me a late payment on XX/XX/2023 it never happend y they never send to me any prove about that. Please help me
Product: Payday loan, title loan, or personal loan

unlawful use of my personal information and social sercurity number, with out my knowdlege. A hard credit inquirie was posted to my credit repoort on XX/XX/2019 via 1st Franklyn Financi XXXX XXXX XXXX XXXX, XXXX, Ga. I have not done business with this company since they ripped me and my sister off years ago. I will never again do business with this comanpy, Ive tried to handeld this my sef but I am not getting very far. I think these people are taking advantage of peopel, they have tried to take out another lone with out me knowing or even being present in that office. They have stolen my idenity and I hope this is not normal business pratices.
Product: Credit reporting or other personal consumer reports

Earlier this year I tried to get my cr3dit report corrected .now my score has dropped so far down .I 've disputed 13 credit inquiries, 3 collections 2 delinquent pays
Product: Checking or savings account

I have now had 2 separate companies I can not link my account to. This is very frustrating
Product: Credit card or prepaid card

I was charges late fees of {$39.00} on my capital one account # XXXX XXXX XXXX XXXX on XX/XX/2020. Upon calling bank, bank reversed charge on XX/XX/XXXX of {$39.00}. 
On XX/XX/2020. I made payment of {$140.00} on Due date Thus total credits and payment of {$170.00}. Minimum amount due was {$170.00}. 

On XXXX XXXX XXXX I was charged again {$39.00} late fees again. I called capital one bank and talked to XXXX, an agent # XXXX requesting to resolve of late fees. She refused to remove late fees. This is not correct as any credits and payments should considered payment of minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX  XXXX Balance : {$25000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX