23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was transferred from servicer XXXX to servicer Edfinancial in XXXX XXXX XXXX. At the time of the transfer, my account was in a paid ahead status through XX/XX/XXXX as a result of a large lump sum payment processed in XX/XX/XXXXXXXX XXXX The remaining billing periods with XXXX ( XXXXXXXX XXXX ) all reflected statements with XXXX balance and next payment due date of XX/XX/XXXX. When my loan transferred to Edfinancial, Edfinancial reverses these payments, then applied the lump sum payment from XX/XX/XXXXXXXX XXXX  to the outstanding loan balance instead of applying it towards future monthly bills. I became aware of this immediately upon creating an account with Edfinancial once the servicer transfer was complete and immediately contacted them by email, account messaging, and phone to correct the issue. I was told multiple times that there was nothing they could do about it. Finally someone told me they could initiate an investigation into my account details in order to correct the error in payment application. That was in XX/XX/XXXXXXXX XXXX Since then I have uploaded all necessary supporting documents and they have done nothing to resolve the issue. In the meantime, my account is now showing past due since XXXX with a large " past due '' balance. The correct, original date of my next due payment is approaching and I have no way of paying it appropriately, as my account is carrying a past due balance. I requested that they place an administrative forbearance on my account given that the delay is entirely their responsibility and I am willing and able to pay the correct due amount on the correct due date, but they can not tell me what or when that is, nor record it properly in my account- they have refused. They are now refusing to process the account investigation and refusing to place an administrative forbearance on my account. I spoke with a representative today, XX/XX/XXXX, regarding the situation and she confirmed that she does see the uploaded documents showing my next payment due date as XXXX as well as all other supporting documents confirming that my account is not past due for any amount, but still refused to assist in any way, telling me I just have to wait for them to " process '' things with no estimate on when they might correct my account. In the meantime they refuse to provide any solution for the past due amount or continued accrual of past due balance and say the in order to pause payments on my account I will have to use my own forbearance allotment. They have offered no other solution and I have no options unless I pay for legal representation.
Product: Checking or savings account

On XX/XX/2012 the IRS deposit my tax refund into my wells fargo account on XX/XX/2012I notice that my monies was gone I went to bank and reported wells fargo closed account sent me an email stating they will investagate the account nothing never happen went to bank and showed them ID they couldn't find account called complaint reported they send me statement that my account closed on XX/XX/2012 which is not true it's imposable for the IRS to send check would of been return as close account and the IRS will have to mail me refund the IRS noted they didnt get check bank account information and routing number match number I would like to get my money back.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.
Product: Mortgage

Mortgage payments made to EMC Mortgage from XXXX thru XXXX were reported as 120 day late by JP Morgan Chase. Chase finalized a Hamp modification loan on XXXX. All payments prior to this date were made to EMC Mortgage. Chase has considered these payments as late yet in their own records of the account activity report for this mortgage, payments were posted as on time. No Late Fee 's Assessed. Chase refuses to correct this error even though they have been supplied with the documentation to prove their error. XXXX has also received copies of the account statements as I have disputed this non accurate reporting. NOTE : Chase has since sold mortgage to XXXX in XXXX XXXX. Chase no longer owns this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items in my file ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXX Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX , XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into identity was stolen and I believe all of these fraudulent unknown and unauthorized accounts derived from that. I'm asking that this credit reporting agency Experian will remove the following accounts from my credit file immediately. 

1 ) XXXX XXXX XXXX {$180.00} 2 ) XXXX XXXX {$600.00} 3 ) XXXX XXXX XXXX XXXX {$690.00} 4 ) XXXX XXXX XXXX {$8200.00} 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX XXXX {$3300.00} 7 ) Dept of ED/XXXX  {$4800.00} 8 ) Dept of ED/XXXX   {$2400.00} 9 ) Dept of ED/XXXX {$1100.00} 10 )  Dept of ED/XXXX  {$3500.00} 11 ) Dept of ED/XXXX {$130.00} 12 ) Dept of ED/XXXX   {$5400.00} 13 ) Dept of ED/XXXX {$3500.00} 14 ) Dept of ED/XXXX {$7700.00} 15 ) Dept of ED/XXXX {$3200.00} 16 ) Dept of ED/XXXX   {$2300.00} 17 ) Dept of ED/XXXX  {$1300.00} 18 ) Dept of ED/XXXX {$3100.00} 19 ) Dept of ED/XXXX {$6100.00} 20 ) Dept of ED/XXXX   {$1300.00} 21 ) Dept of ED/XXXX {$6200.00} 22 ) Dept of ED/XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a XXXX the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2022 sent legal tender and payoff. WELLS FARGO AUTO never rebutted payment or payoff and did not reply. 
XX/XX/2022 XXXX attempt to payoff and validate debt no response and no rebuttal. 
XX/XX/2022 request to dispute validation of dept and to hold all collections and reporting activities until validated. No response no rebuttal.
Product: Debt collection

When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.
Product: Mortgage

I did not receive notice of the pending foreclosure of property XXXX XXXX XXXX XXXX XXXX Georgia XXXX. The deed of this property is titled in XXXX XXXX XXXX, XXXX and it has been so titled for a long time. After speaking with an attorney, I believe that I did not properly receive notice and I request copies of all documentation. I have contacted the foreclosing attorney office, but they have not responded as of today. 

I am no longer willing to subject myself to anymore stalls tactics by Chase. I am interested in leaving this property. Having repeated been denied modifications that I rightly deserved over the years have left me with a negative view of Chase. Each time I call, I am told different things to do. I no longer wish to pursue this matter through them, but I wish to contact HUD to obtain their direct approval for either a short sale or deed in lieu as soon as possible. I truly hope that someone can reach out to me. I am prepared to file bankruptch, but I hope that will not be necessary, since my goal is to vacate the property as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last one month, I'm trying to connect Experian using their support number and the IVR system they have in place never redirect to human for Login Help. It simply kept telling use login help on the website. Below is the message I'm seeing when im trying to answer security questions unfortunately no human to answer and also no email is available. 

Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX   to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - XX/XX/XXXX the account was resolved through emails and telephone payments made. Customer service and the credit department agreed not to send the account to collections with a payment of {$280.00} in addition to the {$37.00} which had already been made online. After reviewing my credit report, the account has been sent to collection anyway regardless of the payment agreement and should not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am attaching documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error
Product: Credit reporting or other personal consumer reports

I was shocked this evening to find inaccurate accounts on my credit report, and I can't understand why theyre there. Ive been in the habit of regularly checking my report, and this time, discrepancies showed up out of nowhere. I tried refreshing my browser, thinking it might just be a technical issue, but the inaccuracies didnt disappear. Given this concerning situation, Im asking that the documents Ive sent be meticulously checked to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : 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 a account without my written instructions.

15 U.S.C 1681 C ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report company has reported a negative credit report from under XXXX XXXX XXXX, in which does NOT belong to me.
Product: Consumer Loan

Global lending services has refused to remove the ( XXXX ) 30 day payment reporting sent to the XXXX credit bureaus. The only month that i was 30 days late was for the month of XXXX XXXX yet the company has continues to report me 30 days late for the months of XXXX ( received XXXX payments to make up for XXXX ), XXXX, XXXX XXXX and XXXX XXXX. I also have documentation giving me an extension for XXXX and XXXX XXXX and yet they have already reported me 30 days late for XXXX. This information is inaccurate. I have statements from the company 's own website glspay.com with payments history showing payments were made before the 30 day late period. I have also have bank statements that show, the company has received over {$3000.00} in payments since the Month of XXXX XXXX. Ive tried speaking with customer service, even after explaining that the payments were made through their system on a bi-weekly basis there has been no compromise. I have email, called, left voicemails, provided bank statements, and pleaded. I really need those late payments removed because i did not pay 30 days late except for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business credit card with AMEX, before the application they told me they will not pull a hard inquiry but they did put a hard inquiry on my credit report. also, they denied my application saying I have too many inquiries on my report but I have only 2 inquiries.
Product: Checking or savings account

I had a chime account with around XXXX dollars in it and it was randomly closed for suspicious activity they never told me what was suspicious never helped me in the matter of getting my money back
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ Regions Bank Credit Card ] [ XXXX ] XXXX : [ Regions Bank Credit Card ] [ XXXX ] XXXX : [ Regions Bank Credit Card ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT.