23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On this day XX/XX/year> I dont recognize hard inquiry in my credit report from the company exeter finance , To date, I have not requested any type of credit from them, much less authorized them to hit my credit. 

Can you help me solve this please.
Product: Credit card

I 've had a chase credit card since 2010. I 've made timely payments, in full for years. I started a new company, and my credit card balance went up to {$28000.00}. I went over 60 days on missed payments. My APR went from 15 % to 27 %. My monthly minimum is {$980.00}, which I have now made 8 consecutive, on-time payments. {$700.00} is going towards interest, $ XXXX is going towards principal. I CAN NOT reduce this bill, or get to my maximum credit limit of {$26000.00}. Chase will not remove my penalty APR. i 've called every month, and they continuously tell me they will not, nor will they ever remove the penalty APR. I 've paid {$5000.00} in interest this year alone. This is a heavy burden. By going back to my normal APR of 15 %, will drastically help me reduce my balance. At this rate it will take years to pay this credit card off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate hard inquiries and late payment records that appear on my credit report, which was generated on XX/XX/year>. These entries are not authorized, accurate, or properly verified as required under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 611, which govern permissible purposes for accessing credit and ensuring the accuracy of reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Payday loan, title loan, or personal loan

I 'm returning under OMB #  XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from   Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t  o  XXXX  Americans financially as  Prosper is  doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us.  Prosper  is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied.     From the inception on  XXXX / XXXX / XXXX  of this {$10000.00} loan until  XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper  on social media and the newspapers.
Product: Checking or savings account

On XX/XX/year> my Wells Fargo everyday checking account was issued the first of TWELVE {$35.00} overdraft fees. When I called to have it corrected, because it was falsely initiated by the systems failure to keep up with the transactions and my ending balance for the day my transaction went through was in the positive by {$38.00}, the phone representative told me there is a new policy for overdraft fees and they will not refund it as they have refunded one for me already and informed me that I can not request for a refund of these fees again for 12 months. She said it was a new policy but according to all information I can locate the fee addendum occurred in XXXX of last year and Ive had their system error fees refunded several times over ( because they are arbitrarily issued to make the bank more money ) since that time so she gave me false information. The supervisor acknowledged that there was an error on their end but also refused to return my funds. In the XXXX days to follow, they initiated an outrageous {$350.00} total in the same fee. But all because of THEIR fee putting my account in the negative! My deposits were enough to cover what I was spending- but they again refused to reverse the fees and I was forced to pay them all out of my social security check that was later deposited. It took out {$310.00} of money that I NEED. They are robbing me and treat me like Im supposed to be thankful. Ive also attached a photo from my last statement to indicate that they have been doing this all year slamming my account with overdraft fee but this month they took it all too far. Additionally their policy states ( see attached ) that if an ending daily balance shows in the positive it will not be assessed a fee. When I brought that up to the phone agent she said its because it was pending. I said but so was the deposit and she says oh it doesnt count pending for deposits.
Product: Credit reporting or other personal consumer reports

TransUnion.Expedian, XXXX. Refused to follow FCRA requirements which copy is attached. I have copied disputes found on my CFBP account records XXXX. I have disputed and was granted. Decision of Deleting accounts from off my credit report.continue remaining. Have provided police reports identification. These accounts still remain .nor change accurate found anywhere on my credit report my scores has decreased. While making payments on my accounts on time payments. I have fraud alerts place on my account. Question. Why is fraud alert in place.you are allowing companies to place wrong information showing on my credit report.. You requested dispute I have dispute accounts and received letter granting to remove these accounts. Instead finding these accounts were. Remove. And replace. I refuse to dispute any information. Now. Because how it has resolved. On my credit report shows company name XXXX XXXX this company is reporting to credit bureau incorrect. I have attached letter dated XX/XX/year>. Records showing no late payments. Anywhere, XXXX XXXX  l disputed XXXX. Receive letters to remove these accounts and won and the letter attached stated delegation wasn't aware after you have disputed. .shortly these companies will have these accounts replaced.. I'm reporting these companies to FRCA so adit randomly be unplaced. Attack records belonw this information has already been disputed
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Have disputed with affirm back on XX/XX/24 stating order received wasnt what was ordered. Affirm has done nothing with dispute except send harassing almost daily emails stating I owe them money when on their website it says to not pay during dispute process
Product: Mortgage

In XXXX of 2020 I reached out to Wells Fargo Home Mortgage ( WFHM ) to take advantage of the mortgage forbearance that was available through the CARES Act. I assumed that since I had an FHA loan that was no more than 30 days overdue as of XX/XX/XXXX, occupying the home, and eventually willing to go back on schedule on repayments ... that my mortgage would have been eligible for the FHA Standalone partial claim. 

In XXXX of 2020 I reached out to WFHM to state that I should be able to resume regular mortgage payments. They stated I was not eligible for the standalone partial claim and that I would have to pay back the missed payments in full, over 3-6 months, or go through a loan modification. Obviously not an ideal slate of options. 

The loss mitigation products made available by the government so that WFHM could move the missed payments to the end of the loan period/as a junior lien, should have allowed me to resume my payments with minimal disruption. That is obviously not the case. 

I filed a complaint with WFHM and they sent back a letter stating that because I was ineligible because I was over 30 days past due when I requested the actual forbearance. This makes no sense to me as this would mean WFHM 's criteria is not in line with government guidance, and is instead being used at their sole discretion, excluding what is probably a significant amount of FHA-backed borrowers that took a forbearance as a last resort in the first place. 

Now I'm having to extend my forbearance so I can make double payments on my mortgage in order to keep my credit from being devastated. This erases all benefit from having taken a forbearance and puts me back in financial distress in order to " make my account current ''.
Product: Credit card

I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!
Product: Student loan

I reported to Nelnet on XX/XX/XXXX that the information listed on my student loan from XXXX was incorrect and lists the wrong school. I attended XXXX XXXX XXXXXXXX, but my loan lists XXXX XXXX XXXX XXXX. After months of follow-up, on XX/XX/XXXX, Nelnet sent a copy of a MPN claiming it was correct, but that MPN did not correspond to the correct school and was from XXXX. I have opened two claims with the Student Department of Education Ombudsman about this and this issue has still not been resolved.
Product: Student loan

Yesterday I received the formal notification that my existing CFPB case XXXX against EdFinancial is overdue for a response. Today I logged into EdFinancial.com on the XXXX XXXX of the month to confirm that my ACH payment was properly processed, and I was horrified to see that they had somehow reversed my Federal Unsubsidized Direct Consolidation Loan, at least according to the Mortgage Verification Letter now showing 10 separate loan balances as they were on a pre-consolidation basis. I am providing both the current and former versions of that letter, since the XX/XX/2024 letter was correct, as well as my proof of payment for XX/XX/2024 in exactly the same amount as all prior months with this federal student loan servicer. I am deeply disturbed that rather than improve my circumstances, EdFinancial seems to be actively degrading my account and further complicating my credit reporting history.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received a mailing stating that my father had a reverse mortgage with XXXX XXXX XXXX llc. and they wanted to know what our intention were for the property along with requesting other information concerning my father 's passing. I promptly returned all information requested stating my intentions were to retain the property. While constantly keeping in contact with them approximately every thirty days sending them updates etc.. At no point did they alert me to the that the property was referred for foreclosure in XX/XX/XXXX or that the property was in foreclosure as of XXXX/XXXX/XXXX. It just so happened that I received a letter on XX/XX/XXXX from XXXX the attorneys that were retained by CELINK the servicing agents for XXXX  XXXX XXXX llc. stating that they were retained to collect a debt in the amount of {$200.00}, XXXX. So, I responded with letter requesting validation of debt among other items. Then on or about XX/XX/XXXX I received a phone call from a CELINK agent out of the XXXX, Tx. ( XXXX ) operator ID # XXXX. It was at this time that I learned of the foreclosure status and I mentioned to her that this smells like fraud, fraudulent concealment to be exact ; because no point was I notified of foreclosure proceeding by mail, by phone or in person.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX through present XXXX has engaged in unfair or decepive, and absuive acts and practices. In XXXX of XXXX account ending XXXX was alleged by XXXX to have been charged-off. The data furnished by XXXX to the CRAs has been horridly inconsistentt and rife with facially false derogatory information to include an inaccurate Date of First Delinquency and inaccurate or misleading payment history for all months XX/XX/XXXX throug present. In response their XXXX XX/XX/XXXX to CFPB Complaint XXXX XXXX asked Consumer to understand that XXXX XXXX  is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the creditto On or around XXXX XX/XX/XXXX Consumer reviewed the statements from XX/XX/XXXX through XX/XX/XXXX for account XXXX. On or around XXXX XX/XX/XXXX Consumer reviewed the statements for account XXXX generated between XX/XX/XXXX and XX/XX/XXXX. Consumer found that a temporary credit was applied to Consumer 's accont in the amount of XXXX dollars on XXXX XX/XX/XXXX in response to a billing error notice filed by Consumer ( see statement XX/XX/XXXX - XX/XX/XXXX ). The temporary credit was reversed on XXXX XX/XX/XXXX ( see statement XX/XX/XXXX - XX/XX/XXXX ). From XX/XX/XXXX through XX/XX/XXXX no staements show a subsequent application of a temporary payment. However, the final statment generated BEFORE alleged C/O shows the revesral of a temporary statement credit of XXXX dollars. ( see statement XX/XX/XXXX - XX/XX/XXXX ). The same statement shows no application of a temporary credit. Thus a second temporary credit was reversed that did not exist causing XXXX 's systems to wrongfully charge the balance to loss at the end of XX/XX/XXXX. XXXX 's XXXX XX/XX/XXXX response to CFPB complaint XXXX provided a table corroborating the activity as described between XX/XX/XXXX and XX/XX/XXXX. My account was was wrongfully charged off due to XXXX 's unfair or decepive, and abusive acts or practices. 

Since the end of XXXX XXXX has closed out multiple CFPB complaints by marking said complaints as " duplicates, '' and justifying their actons by claiming the would not conduct any additional investigations without new or updated information from Consumer because thier alleged prior investigation found no errors. The specific complaints marked as duplicates are : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, despite a facially inaccurate DoFD and payment history, it is likely XXXX is foregoing any investigations in response to the CRA 's transmission of Consumer 's dispute notices and documentation.
Product: Credit card

Opened a dispute on XX/XX/XXXX with Goldman Sach about a payment transaction I did not approve, I pay for my XXXX through Apple which sends payments to Goldman Sach bank, I pay {$50.00} per month on auto pay, received a email that was sent on XX/XX/XXXX at XXXX in the morning that a payment of {$1500.00} was sent to Goldman Sach to pay off my phone balance, I did not authorize this payment. Received a email from Goldman Sach yesterday saying my case was closed and they will not refund me my money. Also want to file a complaint against my bank which is the XXXX XXXX XXXX, I had to wait until my bank opened to stop payment on the XXXX, I walked into my XXXX  XXXX and asked the teller to stop payment on the {$1500.00} and she said she had to wait until she saw it pending, I said ok Ill check my email and watch for that and when it shows up pending Ill go back to stop payment, I checked my account online and saw it pending and within minutes the money was taken out of my account. The next day on the XXXX I went to another Branch of the XXXX XXXX and asked for a Branch Manager, told her what the teller told me about I had to wait until the transaction said pending and she said its just the opposite, I could of stopped payment and she apologized that I was told that by the teller at the other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a copy of amount of money owed before financed amount was XXXX original contract is XXXX. After several series of events to service on my car. I started researching the sale paperwork. Several service that was denied was on the contract paperwork. On XX/XX/XXXX the owner of dealership lied to our Department of Justice in a letter. Lied about the XXXX XXXX protection, Lied about XXXX XXXX Warranty that I was charged for. Lied about mistakes made on XXXX Insurance. I reported this information to the Loan provider that the sale contract was incorrect acknowledgement made on XX/XX/XXXX. The Owner advised department of Justice that he sent the finance company a refund on the incorrect gap insurance. I have had 5 reply letters that the loan company was investigating this matter. I Paid a payment on XX/XX/XXXX and parked the car at my nearest XXXX dealership. I gave them 30 days to address the Service and Sales Contract they failed to address the matters. According to our state Lemon Law within the first 24 months Service and Contact issues must be resolved. They failed to address Lawful requests. Now It is against the Law to lie to any Law enforcement agent.Evidence and contracts support. And on XX/XX/XXXX this company is allowed to continue breaking the Law and being unjust. Given this companies history of discrimination and the failure for me to get Justice.  They continue to break the Fair Credit Reporting Act. Even with all the evidence of a unjust contact. They are still allowed to damage my stellar payment history and good name
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate multiple disputes of an account reported by XXXX XXXX XXXX. Results from previous disputes all returned " verified '' in XXXX, XXXX, XXXX, & XXXX. However, the " Date Of Status '' never changed. This account has reported new 90-day late payment activity 35 times. This account also has two inaccurate 30-day late payments reporting for XX/XX/2015 & XX/XX/2015. I have attached supporting documentation. XXXX XXXX confirmed no other updates reported after this account was closed & charged off as of XXXX. Experian failed to verify.
Product: Credit reporting or other personal consumer reports

I want to refile this please as my formal complaint to EXPERIAN for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC XXXX XXXX XXXX. As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Product: Prepaid card

it has chime stride on it now its hard to get off collection!!!!!!!!!!
Product: Debt collection

I received a call at XXXX XXXX from an individual working for Zenco at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
XXXX XXXX are you aware that your social security number starting with ... and last XXXX digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from Zenco, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with XXXX XXXX, which is the company that contracted Zenco and inform them about what has happened. The manager did n't think Zenco said anything inappropriate and in fact, kept telling me that I had to pay the bill and that Zenco had the right to collect my debt.