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

There are three accounts that show closed on my account that should be removed. Accounts show closed yet the balance of two of the closed are still included with my report. A Closed accounts balance should not be included and should be removed from my credit, since it hasnt been removed nor balance removed my credit score is significantly lower than the other two agencys. I tried submitting a dispute in regards to this but system will not allow me to.
Product: Student loan

Mohela is my student loan servicer. I have been using the Federal Student Aid and Mohela loan repayment calculators since late XXXX to prepare for repayment post COVID. My payments have consistently been estimated around $ XXXX when accounting for my new higher income as well as my spouse 's income and loan amounts. When payments resumed in XX/XX/XXXX, Mohela posted that I owed {$930.00} a month. I applied for the SAVE plan using my income, my spouse 's income and our loan amounts. This payment was estimated around {$500.00}. My application was approved by the end of XX/XX/XXXX per Mohela but my payment stayed at $ XXXX. I called a Mohela representative in XX/XX/XXXX to resolve this, they confirmed by doing the payment calculator with me on the phone that my payment is estimated around {$500.00}. They resubmitted my SAVE application while I was on the phone and told me my payment would be reflected in a few weeks. It is now XX/XX/XXXX and my payment is still showing as $ XXXX on my Mohela account. I have waited hours on hold to speak to a Mohela representative about this to no avail. I can not and will not make this payment. Mohela has not sent me this bill in the mail, they have not updated my payment with the SAVE plan reflected, and I can not get in touch with anyone to resolve this issue. Additionally, my payment prior to COVID was only $ XXXX. Due to the COVID allowance of using the previous year 's income, my payment should not have even changed this year.
Product: Credit card

The outcome of all charges left me near bankrupt and they changed me for each and every posible thing and i do not think thy acted fair and a refund of some charges to me as a person with a XXXX is fair.
Product: Credit reporting or other personal consumer reports

Ive been experiencing the effects of unauthorized credit inquiries from your company on my report. These inquiries are lowering my credit score and making things more difficult.
Product: Checking or savings account

XX/XX/year> - capital one sent an email that they were having issues with deposits and were working on the issue. 

XX/XX/year> - did not receive direct deposit. 

Capital One has submitted a statement that they are working on the issue. People have not been receiving funds for ( XXXX ) days so far. No timeframe for resolution in sight. 

It is a XXXX day weekend and I have bills coming out soon, that will not process, and cause fees.
Product: Credit card

On receipt of e-statement for this credit card ( XX/XX/XXXX  ), saw an interest charge for {$38.00}. Had paid the card online with online payment process. All three payments were posted by due date. The online system showed no outstanding payment due when payment 3 of 3 was sent but it was incorrect. There was a {$30.00} outstanding balance. The online system did not reflect an outstanding balance. The new e-statement arrived to indicate {$30.00} was left unpaid and {$38.00} interest was applied. On XX/XX/, I called Synchrony to request information on the charge. After three separate calls and one online chat which advised me to pay the {$30.00} and give the confirmation number so the interest would be removed, the interest was not removed. Why was {$38.00} interest applied to an outstanding balance of {$30.00}? Why is resolution in this matter so impersonal and unforgiving?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 30 days
Product: Mortgage

Received notification of Credit Denial dated XX/XX/XXXX for XXXX XXXX XXXX. Reason listed states Excessive Obligations. 
Requested a 15 year VA Home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company uses a third party for online payments.. 
The account was set up prior to the payment being late but at some point the account number was entered incorrectly by the third party. 
Carrington made attempts to contact us but their incoming calls were labeled as potential spam by my cell phone carrier and so i never recieved them and they never left a message for some reason on the initial calls. 
It was only after seeing a message had been left that t I called back and was able to make the payment but by then it was reporting as 30 days late. 
I was notified by Carrington of the error in entering the account number and protested at that time that it be count it as paid as agreed since it was obviously the third party 's error. This is now affecting my ability to get the best interest rate on a home loan and in fact i can not even get approved so it is a very serious matter. Please help me resolve this as i have exhausted all other options. Going to the company, the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented
Product: Debt collection

On XXXX XXXX I paid an outstanding debt in the amount XXXX to XXXX collections. The debt was actually with a collection agency by the name of Credit Collection Services ( CCS ) located in XXXX MA XXXX. 

When speaking with XXXX on XXXX XXXX and XXXX XXXX I could not get them to provide me direct proof that the debt was paid after I paid it in full. At that point I spoke with the collection department at XXXX cable directly. They stated that they would report to XXXX within XXXX hours that the debt was paid. I then spoke with CCS to ensure that once they received confirmation from XXXX that the debt was paid that they would provide me in writing the clearance of the debt. They would not do this. 

I also requested the debt was removed completely from my credit report once paid as even if it shows as paid in full it still shows collection activity. They stated that XXXX does not allow them to report to delete the debt from my report. 

I have disputed this debt with all three credit agencies. 

I had dealt with another collection agency, XXXX XXXX receivables in XXXX Maryland, and they provided me with the same information requested from CCS within less than XXXX hours of paying the debt and it will be removed from my credit. XXXX XXXX Receivables WAS EXCELLENT! 

Additionally I was informed by XXXX when I contacted them of a debt from XXXX that was owed. This debt is also placed with XXXX and I am concerned that they will try to reboot it reporting it on my credit, even though the debt is older than 7 years. I made no acknowledgement that this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to the Bank of The West account. They stated that I made a payment last year. I have not made a payment for YEARS. I need proof that this payment was made by me. Also this account has been on my credit for 13 years. I have made several attempts to resolve this debt in that time but never can really come to an agreement with y'all. I paid the debt 3 times now and you have repossessed the RV, you have made a lot of money off of my deal with you and although i did default you got your money 's worth and continue to ruin my credit. Again I have not made a payment to you in a really long time. This debt is super old and i do not owe you this debt. I did not make payment last year, i refuse to make any payments and i have for a while now since you're very difficult to work with. I need an itemization of the payments i have made including account numbers so that i can match those to my records. Regardless I need this debt removed from my credit file. It has been there for 13 years and if i need to contact he attorney general and file more complaints i will. You are erroneously reporting and adding payments to my account to restart the statute of limitations and i will not let you continue to hurt my scores.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2019, and XX/XX/2019.
Product: Debt collection

ok My Name is XXXX XXXX. i paid a credit card dept. over 20 years ago in a consolidation loan on a XXXXXXXX and wells fargo credit card XXXX expunged the dept i owed them on the national record of my credit wells fargo did not. sure they expunged locally but did not take it off the national record. cause the dept shows i owe when i do not. im trying to buy a house and had my morgage agency look up my credit shows i owe that old dept. Wells fargo goes after there depts extremely in collecting dept always been there modas operandi, but none to graces in evening the books. ( Cooking the Books ). I want wells fargo to expunge the dept off my record -i dont bank and have not banked with them in over 20 years i had the consolidation loan pay off the dept its been long aunuff i want it removed, XXXX XXXX XXXX ss.nu # i will tell a agent in private who wants to take the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX XXXX  and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

Heres a clear and concise response you can use : In XX/XX/year>, I disputed an inaccurate Chapter XXXX bankruptcy record with Experian because I never filed for bankruptcy. The record lists a " dismissed '' status and appears on my credit report in error. Despite my dispute, Experian failed to conduct a proper investigation or provide documentation verifying the accuracy of this record. 

I contacted the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX, and they confirmed that no bankruptcy case exists under my name or Social Security number. 

On XXXX, I mailed a follow-up dispute letter to Experian via XXXX mail, including additional evidence to demonstrate that the record is invalid. However, Experian has still not removed the record or explained how it was " verified. '' This inaccurate information harms my creditworthiness and causes unnecessary stress. I request that Experian immediately remove the erroneous bankruptcy record from my credit report and provide a detailed explanation of how the record was initially verified.
Product: Debt collection

LVNV Funding, LLC aka Resurgent Capital Services is located in South Carolina and is a collection company that is attempting to collect for XXXX XXXX on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.
Product: Debt collection

To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. 

My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. 
Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. 
I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.
Product: Debt collection

Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. 

XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. 

They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc . ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore their dispute process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. Not to mention the wrong doing of completely shutting me out of my own account and not letting me go and disable it when ive done no wrong doing. I seek appropriate redress for these violations that have caused headaches and more stressful situations then needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  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, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Product: Credit reporting or other personal consumer reports

I have a paid-off debt that is incorrectly being reported on my Equifax credit report. Despite numerous disputes filed by both me and my lender, XXXX XXXX XXXX XXXXXXXX, Equifax has refused to remove this item from my report. 

In XX/XX/year>, XXXX XXXX  requested that all three credit bureaus delete this item from my credit report. While the other bureaus complied, Equifax has yet to do so. I have submitted three disputes ( each including a letter from XXXX XXXX ) and XXXX XXXX  has made multiple requests, through various channels. 

I am unsure why Equifax continues to refuse to delete this item, despite my efforts and XXXX XXXX requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXXXXXX CAINE & WEINER, has violated my rights. 


In accordance with the fair credit reporting act XXXX  Accounts # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND 72 HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXX.THE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXX BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY EXPERIAN AND XXXX.
Product: Money transfer, virtual currency, or money service

I have tried and been trying to get access to my funds for the last 6 weeks and by my purse and my telephone being stolen or misplaced I have yet to gain access to my friends or talk to a lie real person about the issues at hand and especially during a disaster of a hurricane and being homeless and not having any fun to get any food or transportation
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX  | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB Representative, I am writing to formally submit a complaint against Fifth Third Bank regarding an ATM malfunction that occurred on XXXX XXXX XXXX between XXXX XXXX XXXX XXXXXXXX XXXX I attempted to deposit $ XXXXXXXX XXXX at a Fifth Third ATM located at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Unfortunately, the ATM malfunctioned during the transaction, resulting in the loss of my funds without depositing them into my account. 

Specifically, during the deposit process, the ATM made a pop sound, instructed me to remove my card, but did not return my funds. The ATM did not print an error slip either. My friend, who was with me at the time, witnessed the incident and heard me exclaim that the ATM had eaten my money. I waited for the machine to return the funds, but it subsequently shut down and entered maintenance mode. I could hear the sound of my money being shuffled and counted by the machine before it went offline. 

When the ATM came back online, I printed a balance statement, which confirmed that my account did not reflect the deposited funds. I immediately returned to the Fifth Third branch where the ATM was located and reported the incident to the branch manager. The manager called the disputes department on my behalf, and I was issued a temporary credit onXXXX XXXX XXXX  as an investigation was initiated.

On XXXX XXXX XXXX, I noticed that the temporary credit had been reversed. When I contacted Fifth Third Bank, I was informed that the investigation had been closed, and the bank concluded that the ATM did not malfunction. I requested that they review the ATM footage, as it would clearly show me depositing the funds and the machine going into maintenance mode. However, the representative I spoke to refused to reopen the investigation and denied my request to return my funds. 

After a heated exchange, the representative reopened the case but refused to reissue the credit. That same day, I returned to the branch, where the manager contacted the disputes department once again and provided me with a case number. Despite these efforts, it has now been nearly two months, and I have not received my funds or any meaningful assistance from the bank. 

This experience has been extremely frustrating, and Fifth Third Banks lack of responsiveness and accountability has caused significant inconvenience. I am requesting your assistance in resolving this matter. I would appreciate it if you could intervene to ensure that Fifth Third Bank reviews the ATM footage, reopens the investigation in good faith, and returns the funds that were lost during the malfunction. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.