23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a private student loan with XXXX. I requested SOFI to re-finance the XXXX loan. SOFI did. SOFI then over-paid XXXX by $ XXXX on XX/XX/2022. 

XXXX claims they have since re-credited SOFI with the $ 7,000+ check. SOFI claims they have not received it and have no obligation to hunt the check down. Meanwhile, my student loan balance with SOFI sits at $ 7,000+ over the real amount due. 

SOFI also states that they will do nothing about having not received the check for a least two months since the refinancing happened - i.e. two months since XX/XX/2022. In the meantime, I do not have over {$7000.00} that rightfully belongs to me. I feel robbed without recourse. 

Do not let loan servicers who refinance sit on money that is not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all XXXX credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, XXXX and Experian ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Product: Checking or savings account

My grandson is on the XXXX spectrum and was granted XXXX as he is not capable of holding a job. I took him and his first XXXX checks to Chase bank and we opened a checking account. About XXXX weeks later ( XX/XX/year> ) I received a letter stating that because they could not verify that the checks we deposited were in fact from the XXXX Treasury, they were closing the account. I called and they said we would receive a check in XXXX to XXXX business days returning his money to us. I have called XXXX more times and was told the same thing each time. It is now XXXX months and my grandson 's money has still not been returned to him. 

And since when does a bank not accept a check issued by the XXXX Treasury!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX Re : XXXX XXXX XXXX Credit Student Loan Account Number XXXX Dear Consumer Financial Protection Bureau, I am contacting you to seek your assistance with an erroneous 90-day account delinquency that was reported by the referenced creditor to the three major credit reporting agencies in XX/XX/XXXX. As of XX/XX/XXXX, my student loan account was placed on deferment. On XX/XX/XXXX, I suffered a horrific accident when a winter storm packing high winds caused a mature white pine tree to fall, and it landed on me. I was in the XXXX for eight days undergoing XXXX. I was released to a XXXX XXXX  and was subject to XXXX and aXXXX XXXX XXXX   and XXXX through XX/XX/XXXX, a period of eight months. I was on XXXX   and unable to take care of myself requiring help with my basic needs, such as feeding, bathing, clothing, etc. I did not receive correspondence warning me that the loan was approaching the end of the deferment period, nor do I have record of the lender making direct contact with me until 2.5 months after the deferment had expired. Once contact was made, the deferment was extended but the lender did not retro date the deferment leaving the derogatory information as initially reported. I feel that I have been treated unfairly, and I have been discriminated against because of my health condition. 

I am requesting deletion of the erroneous credit reporting, and an address update. My address is XXXX XXXX XXXX, XXXX, AZ XXXX. 

Please let me know if you have any questions regarding this matter. 

Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX  ) # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to resolve an issue with my credit reports from XXXX, XXXX, and Transunion. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>
Product: Student loan

Been paying on time for years, had to move to monthly payments, when lost job and lowered monthly payments, got job in XXXX XXXX, moved, barely missed payment deadline, started receiving plentiful and aggressive phone calls where they didn't listen to a word you said and kept pushing. ( It was lunch break, at the XXXX, told them that I don't verify information to cold calls an that I would call them back, or pay online, completely ignored me and kept pushing for my personal information. I was current about a few hours later, but I was still receiving calls in the interim. ) This is terrible harassment, to a customer who has been paying faithfully. I am disgusted that I was treated so aggressively. This company is a Government entity and should know better by now. 

Get this company in line with practices that are good for the public. The government, banks, and education systems made this a problem. The LEAST they can do is not be awful about it and treat people with respect.
Product: Debt collection

GOOD EVENING, I HAVE TRIED SEVERAL TIMES TO HANDLE THIS WITH THE COMPANY BUT I ALWAYS GET THE RUNAROUND. 

I DID NOT OPEN THIS ACCOUNT. THIS ACCOUNT IS A DIRECT RESULT OF IDENTITY THEFT. PLEASE HAVE THEM CLOSE THIS ACCOUNT, STOP ALL COMMUNICATIONS WITH ME AND HAVE THEM STOP REPORTING TO MY CREDIT. 

ITS STOPPING ME FROM BEING ABLE TO RENT AN APARTMENT. 

THANK YOU!
Product: Credit reporting or other personal consumer reports

hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  someone tried to apply for cars in my name I never did neither one of those inquiries they are fraud Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was opened fraudulently I never did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened fraudulently I never did this. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently I never did this XXXX XXXXXXXX XXXX XXXX XXXXXXXX was opened fraudulently I never did this
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

would have been a first time home buyer this year, I was advised by the title company which whom I met with that I was pre-qualified for up to {$450000.00} to buy a home. This broker who had provided me with a pre-qualification letter advised me that he had forwarded my information to someone else who would be working on my paperwork. I have never done any of this and though ok well he is sending me with his partner. After we began looking for a home and found the one we though that we would want for our family the initial broker we met with advised us that he forwarded my contact info to a partner of his who would be working with us, whom was the best in his field. 
Again I have never done any of this so I went ahead and spoke to this man. Every time I spoke to this man, he advised that I was only a few more points away from obtaining my future home, that I just needed to send him money via XXXX to him and he would make things happen. I paid him via XXXX approximately {$1700.00} in approximately 45 days and ended up losing the home that we were told would be ours and that we were pre-approved for. On day 45 from the date we signed the contract we were told that there was never an application actually done with the mortgage company, everything was a scam. When I advised about reporting this company and what they had done they advised that I was never a client and that he was just a friend helping a friend. Because to add insult to injury my credit has been negatively affected by all the inquiries that he made and I even had one of my credit cards closed due to this. When I told him about this his response was " who cares about a XXXX credit card ''.
Product: Checking or savings account

On Friday XXXX I went to close all my accounts because I do not believe my online banking was ever fixed when the {$250.00} fraud charge happened in XX/XX/XXXX and then I was supposed to get a credit on the XXXX well that did not happen. I got a statement saying I got one and it did not show on my online banking but it showed on their end. SO I left the XXXX in the account unwilling to pay the fraud charge and waiting for it to be adjusted in my online banking. We had many emails about why it was not showing up and what was the issue and they said they weren't sure but they were working on it and when it was finally added on XX/XX/XXXX for XX/XX/XXXX it did not reduce the amount I owed at allSo i said the hell with this and paid the money and closed ALL my accounts BUT for some GOD known reason the assistant manager DID NOT CLOSE my online banking. WHY she did not do this I do not know So on Tuesday my mom who took over the account that had her checking in it not my stuff and became sole owner of it ended up getting a call that there were 2 transactions from my online banking account trying to wire transfer money to some guy we don't even know for XXXX and XXXX. Not only that I had 2 other banks attached to this account because I would transfer money in to help pay XXXX credit card bill and they tried to wire transfer in XXXX money I dont have in an account. All because they did not close or shut down online banking the Friday before. Yes this could of happened if I kept the account but I was closing it because I did not feel safe keeping it and went in closing it and wanted it closed immediately ALL of it. Now I had to file a police report call my banks closed multiple accounts set up new ones as well as change every single one of my auto payments associated with my cards because you guys failed to do your job and close my online banking when I closed my accounts
Product: Debt collection

During the month of XXXX someone compromise my accounts that made me an able to pay back a lender the company was notified and I told them I will keep them informed of whats been going on when I went to work the company had sent directly to an unsecured fax documents requesting information on myself although the fax was titled HR management The documents were never sent to the human resource department they were sent directly to my department which is a violation of my privacy. I notified the company and they said its part of their collection procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following capital one accounts immediately as they are hurting my credit. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$3700.00} XXXX XXXX {$2700.00} Passed due {$3700.00} Charge off {$3500.00} Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$4500.00} Credit Limit {$3500.00} Charge off {$4400.00} Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Product: Mortgage

I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action  by Wells Fargo.       Wells Fargo modified a mortgage that was discharged in my  Chapter  XXXX  Bankruptcy.  XXXX  dollars. They are now trying to foreclose on a debt that has already been  discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in  my bankruptcy.     Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government.     Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be!     How is it we are still being lied too!
Product: Money transfer, virtual currency, or money service

I try sending money abroad and western union always asking me reason to send, I have provided my social security and my driver license and passport and I still having the same issued to identified myself and it won't let me send money.
Product: Debt collection

Beyond the Statute of Limitations ... My credit reports reflect a balance for {$370.00} for medical services received in XX/XX/XXXX/XX/XX/XXXX. The " Opened Date '' reflects XX/XX/XXXX. I believe the reporting of this debt is beyond the 5-year Statute of Limitations in Florida. Furthermore, I believe Choice Recovery Inc. secured this debt improperly and have reported the balance with full knowledge that they have no rights regarding collections and reporting as their doing so violates Florida statutes regarding medical debt. 

I would like Choice Recovery Inc. to cease monthly reporting for this debt for which I believe I am no longer liable for and I would like this debt to be deleted from all 3 credit bureaus and never re-reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.