23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am part of the XXXX XXXX XXXX XXXX discharge. This discharge is being dispersed across the board and all of my loans have been through XXXX XXXX XXXX XXXX  loans are serviced by XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ). XXXX and the XXXX logo are registered service marks of XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX logo are registered service marks of XXXX XXXX XXXX XXXX XXXX 
XXXX loans are made by Earnest Operations LLC ( XXXX  # XXXX ), a member of the XXXX  family of companies The original principal amount of the loan is {$45000.00} and I have paid it down to {$15000.00} but this loan was specifically for the XXXX XXXX XXXX XXXX and all of my federal loans have been discharged. This one needs to be as well. 

I have requested a discharge form from each company and have been given several different responses on who actually owns the loan and who I should be retrieving information from. Now they are refusing to send me an application for discharge. Both XXXX and XXXX have refused to send me the application via email nd I'm trying to retrieve the information from Earnest who referred me to both prior. 
This situation has been made extremely confusing. 
I simple want to know who I should be ultimately dealing with, where I can get the discharge application sent to me from, and have that application actually sent to me so I can apply and have it for my own documentation,
Product: Debt collection

I received a letter dated XX/XX/year> from Media Collections , Inc., DBA, Joseph , Mann & Creed, stating that I owe a debt of {$400.00} I quickly sent a certified letter back asking the collector to verify that this bet is mine. This is because I believe the debt is actually a family members debt ( my deceased mother, XXXX XXXX XXXX ) not mine. They responded back with a letter with no proof showing that the debt is minejust amount owed, account #, and just listing me as the customer. After reviewing the collector online, I feel they are going to put an unverified entry on my credit report and hold the credit report hostage until I pay for an unverified debt.
Product: Money transfer, virtual currency, or money service

So i saw a listing on XXXX for a XXXX XXXX. I contact the seller and told him I would like to purchase the phones he told me that'd be fine as long as I sent him the money through XXXX. I know what XXXX is because it's in my Wells Fargo app and I assumed that i'd have buyer protection much like what XXXX offers. I sent him the money and never received the package and now he does not respond to my messages. I lost out on {$500.00} and would want the proper actions to be taken against this user and get my money back. I'll attach documents where me and him are talking and you can see that he is in fact receiving my money and even going out to say he is willing to refund.
Product: Credit card

my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being harassed by Equifax, they are intentionally showing payment status as unknown for accounts and adding information to my file that was previously removed. Equifax just added a tax lien on my report that was previously removed. The tax lien should not be on the file as the national consumer protection act requires that these items be removed. Equifax is working in concert with  XXXX  with the same type of behavior.
Product: Vehicle loan or lease

The companys name is CFS it is located XXXX XXXX XXXX XXXX my husband has a loan with them and they keep calling me to my cell phone number. It is listed as primary number but after I spoke to someone on a daily basis because they call me every day And I keep telling them when I will pay they still continue to call me and harass me they keep changing account holders or account managers, different people call me to harass me as soon as I answer the phone they will say when are you gon na make the payment even though the account is not under my name, they give me information of the account which is not under my name over and over every month even if I tell them, I will pay on a specific day. They will still continue to call me and tell me my car will be repossessed if I dont make the payment and it has not even been one week or two weeks Over Ive asked for paperwork about all my payments. Ive never received it. They say they cant send me that type of information because Im not authorized but they do give me information on the account that its late that the car is going to be repossessed which those vehicles that they are talking about are not under my husbands name they are under my name. I need them to stop harassing me. I managed to pay the payments, even though my husband is not working I am the only income and I still manage to make those payments even if its a little late, but they continue to harass me every day.
Product: Credit card or prepaid card

I have been being charged late fees, for having late fees even after I pay my required minimum account balance of {$55.00}. 

I made a large payment on my account of {$320.00} on XX/XX/2022 which was XXXX days before my payment date of XX/XX/XXXX. 

I was XXXX days late in XXXX paying my bill on the XXXX and they charged me {$41.00} late charge. I called them and tried to dispute the late fee after I just paid a large sum to them and they refused. 

Since then to current, I have been paying my minimum payment on time but they have been charging me late fees for not paying the late fees. 

That is causing my account to look like it is a delinquent account and it is not at all. 

I tried calling them again and spoke to a supervisor but they give me the same song and dance about I had a fee waived in XXXX and they wont take any late fees off. 

I do not want them to report to the credit bureaus negative on my credit history because I do have an exceptional history of payments. 

In the beginning of my account with them unbeknownst to me they dropped my credit limit for my account which in turn had a negative affect on my credit history. I would not like to have them pull something like that again so please help me to have the necessary fees waived so I can have my account in good standing like it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 or information, other than records of convictions of crimes which antedates the report by more than seven yea
rs.
Product: Money transfer, virtual currency, or money service

On XXXX I was talked into adopting a tortoise through XXXX. I agreed to pay the shipping charges only. The XXXX  Site called " XXXX XXXX '' agreed and promised they would send me the tracking # for the Rescued Tortoise " who needed a home '' and it would arrive on XXXX. They wanted me to send {$40.00} via Paypal to a specific Email address, stating it was his " wife 's '' email address. I sent {$40.00}, and the transaction added {$2.00} ( charging me {$42.00} ), so I know that is a foreign transaction. He had told me he was in Florida, sent me pics of the tortoise, etc. He then asked me to send more money to 2 different email addresses that had XXXX lettering and I asked if he was in America, he became offended. He said I had to send an addition {$50.00} because the tortoise needed a XXXX XXXX. He said he was at XXXX XXXX  and going to do the XXXX XXXX while there. At a point after I had unfortunately initiated the {$40.00} payment to ship the rescued tortoise, I told him I felt uncomfortable with the entire transactions and to refund my {$42.00} as it seemed fraudulent and nothing made sense. He again promised the tortoise would arrive and he'd send the Tracking #. Instead, he never sent the XXXX XXXX  tracking # or the XXXX. That same night ( XXXX ) he blocked the Messaging on XXXX and removed his XXXX XXXX called " XXXX XXXX ''. 

I reached out to Paypal on XXXX after I realized I was completely scammed and told them not to pay this as it was a Scam. 

They paid it the next day ( XXXX ) anyway, and the {$42.00} came out of one of my XXXX XXXX XXXX that I have NEVER used to make purchases. I only use my Credit Card which takes the money from my regular Checking ; or use my regular checking account. 

I made a complaint to XXXX ( my bank ) asking them to help, but they said Paypal has to handle it. 

I have sent additional notes to Paypal, as well as the person " XXXX XXXX '' ( the name of the person that is assigned the email address I sent the money per the request of " XXXX XXXX '' on XXXX ). 

Paypal 's response is- They will respond by XXXX which is over a month away. 

I sent a message to XXXX XXXX ( the recipient ) telling her to refund the {$42.00} received but she did not respond on Paypal, and blocked me from sending further messages on Paypal. 

Can you help me with this? Paypal should have stopped this immediately on XXXX, as I did contact them prior to them sending my money once I realized I was scammed. 

I have the entire XXXX XXXX that took place between me and the site called XXXX XXXX, before they blocked messages and removed their XXXX XXXX. 

Thank you for your help
Product: Credit reporting

I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for insurance Am quoted an astronomical rate due to the fact that lexis nexis is reported inaccurate information.. I've tried to dispute this information with then on several occasions to no avail,
Product: Credit reporting or other personal consumer reports

Experian is not following the laws!!! I haven't seen my credit score since XX/XX/XXXX every time I call it's another run around I sent in my drivers liscence and bank statements and they have not fixed the problem I don't know my score!!! Please ask them to fix my credit monitoring as I have been paying every month for my membership!!!
Product: Mortgage

While I was in a Loan Modification PHH held back 6 months of payments. While holding those 6 months of payments they charged me late fees. After filing with CFPB about holding those payments PHH credited my account for some late fees. PHH just reversed late fee credit in the amount of {$310.00}. PHH continues to make mistakes on my loan. I can not even reconcile my loan totals, reserve totals or late fee charges or credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got account that are inaccurate and need to be removed from my report asap!
Product: Debt collection

Homeowner received letter of collection from MCCALLA RAYMER LLC. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX Bank informed XXXX XXXX informed HOMEOWNER, he needed to call McCalla Raymer LLC. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported McCalla Raymer, LLC XXXX XXXX Bank Mortgage/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXXMcCalla Raymer has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. McCalla Raymer has excelled at putting people out of their homes and into the street. 
McCalla Raymer for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.McCalla Raymer also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by McCalla Raymer personnel. Robo signing may not have been possible without the tenacity of McCalla Raymer. McCalla Raymer has, and they certainly have profited greatly. HOMEOWNER asked MCCALLA RAYMER LLC Assistant Attorney XXXX XXXX XXXX XXXX about verification and XXXX stated what XXXX XXXX tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to Mccalla Raymer LLC attorney firm. 
On XXXX XXXX, 2013, XXXX XXXX XXXX XXXX/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. XXXX XXXX XXXX MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. MCCALLA Raymer LLC RESPONDED WE JUST GO BY XXXX XXXX XXXX Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts have incorrect information regarding the reporting, amounts, and dates.
Product: Payday loan, title loan, or personal loan

Possible Finance was trying to collect a payment from me for {$43.00}. I have been over a year been unable to make the payment due to their inability to let me update my information online/through the application. I was forced to email them, as during COVID they were not, and are still not taking calls. No one is returning my emails so that I can clear up a {$43.00} debt. They continue to report me late, and it is hurting my credit. I have emails for over a year to pay and delete this account off of my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX  percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute last month and still have not gotten a response back from the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Yesterday I went to Bank of America, and i had a check for {$1200.00} for deposit. I refrained from adding the check to my balance on the previous saturday - XXXX days beforehand - because it said it wouldn't be available for about a week. I went inside and I told them that I wasn't interested in depositing the check if it was going to be a long hold time. The bank account was positive by about {$45.00}, and they told me that it would clear tomorrow morning, which is today. Now i sit in the Bank of America on XXXX XXXX and XXXX XXXX XXXX   in XXXX XXXX, FL, Zip XXXX As you well know, there are statutes regarding the amount of the check. Afterward, they claim that the check was high risk, except the dollar house, in the most expensive zip code in Florida. Yesterday when i gave them the check, they did not mention anything about it being high risk. I believe what they said specifically, was that it would clear by XXXX tomorrow. 
Here I am at XXXX XXXX, and this check has not cleared. Again, now they claim that it is high risk. My property is currently being withheld by bank of america, in the amount of {$1200.00}. I think that the amount of the fine for this misrepresentation, fraud, and deceit ; should be in the amount of {$12.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$530.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I want this account deleted from my credit account. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Asked company to show me some verification of items they are reporting on my credit report. For the past XXXX  years my credit report score never changes. It always stay at a certain credit score. I have tried to dispute numerous times. I have been working on repairing my credit for a while and I cant get these companies to remove inaccurate information. I have filed for identity theft and Im still not getting the results I requested
Product: Vehicle loan or lease

Vehicle was repossed while I was at work. Never received any notification of intent to reposses. Never received notification after vehicle was repossessed, didn't get tge opportunity to acquire personal belongings that was left in vehicle.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX ACCT:XXXX Date opened XX/XX/year> Amount : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT : XXXX Date Opened:XXXX Amount : {$3600.00}