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

I submitted a a dispute to XXXX I contacted Southwest medical collection agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. Southwest collections was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.
Product: Credit card or prepaid card

I opened a XXXX Synchrony Credit Card account in XX/XX/XXXX. Since opening the account I have paid every payment on time each month and have completely paid off my balance once and was planning to do it again in a few months. After paying more than the minimum payment on my account and paying off the balance of another Synchrony account, they closed my XXXX account for no apparent reason. Customer Service explained that my account was closed due to poor credit but my credit has actually improved since opening my account, so this explanation doesn't make any sense. Upon further review, I've seen hundreds of complaints from people who have had their accounts closed in the same manner over the past few days. It appears Synchrony bank is closing accounts during this pandemic to protect themselves and hurting consumers in the process. My account was closed on XX/XX/XXXX with a balance of {$1000.00} and a credit limit of {$1500.00}.
Product: Debt collection

This pertains to the company XXXX XXXX, which is a debt collection agency for Galaxy Portfolios , LLC. 
They have been threatening me with garnishment of my wages and they said that they had contacted my employer also. 
I will have gone to court with them for the XXXX time on XX/XX/XXXX. 
I have been dealing with their harassment since fall of XXXX. 
They did have a judgment against me, however I filed a motion in the court that the judgment originated from, and in XXXX I prevailed as the judgment was vacated. 
This company still insists on sending collection letters and telephoning me. 
I have a new court date with them as I stated above which is on XX/XX/XXXX. 
The judgment was vacated at the court it originated in, but the case was transferred back to the court where the creditor tried to get the wage garnishment. 
I was specifically told by this judge prior to the judgment being vacated, that if I prevailed ( which I did ),  that I may not have to appear again regarding this matter. 
This is all very confusing to me because this debt is well over a decade old. It goes back to approximately XXXX, perhaps earlier. 
I know nothing of the debt. I had to flee my then home ( before the collectors say I was served ), because of a violently abusive situation.
Product: Vehicle loan or lease

I financed a vehicle first time financing! I received a vehicle with high mileage and Im also paying more then what the vehicle is worth! I was told after a year of having the vehicle I could upgrade, my credit score even went up and still no one could help me! Now Im stuck with a vehicle with high mileage and the value is low! It almost will be 2 days years ongoing! The car lot is XXXX county located XXXX  wis!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : XXXX XXXX XXXX XXXX BALANCE {$410.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Account number XXXX Date opened XX/XX/XXXX2018 2018
Product: Credit reporting or other personal consumer reports

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over 150+ points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

Associated Bank closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment.

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. 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. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Student loan

On XX/XX/XXXX, I received a message from Nelnet stating the following : " As you requested, we applied or updated an Income-Driven Repayment Plan for your qualifying student loans. 
Account : XXXX Dear XXXX, Were reaching out to you because : 1. Your qualifying federal student loans have been placed on an income-driven repayment ( IDR ) plan as you requested, or 2. The U.S. Department of Education has directed Nelnet to recalculate your monthly payment amount because your current IDR plan has been changed to the new Saving on a Valuable Education ( SAVE ) IDR plan. The SAVE Plan replaces the existing Revised Pay As You Earn ( REPAYE ) plan. 
Your New Payment Amount and Due Date Your monthly payment amount for your qualifying loans will be {$240.00} For up to 12 months Beginning on XX/XX/XXXX '' ___________________________ As of today, when trying to set up automatic payments from a direct deposit ( to receive the interest rate decrease ), my payment is listed as {$1600.00}. I have no ability to modify this payment, and therefore can't set up an automatic payment. Because of this, I am unable to receive the interest rate decrease benefit. Additionally, Nelnet is indicating that I have no payment due until XX/XX/XXXX. 

I have contacted Nelnet multiple times and have waited on hold for close to 18 hours over 4 calls. No representative can tell me why this is occurring or if it will be fixed. No escalation has occurred, no changes have been made, and their customer service is utterly and completely unhelpful.. 

So, I am stuck making manual payments and distributing the payments by hand across my 11 loans to pay for the interest across each and the principal on higher interest rate loans. And, I am doing this without receiving any benefit from the interest rate decrease. I would like to pay my loans off and this servicer is incapable of allowing me to do this.
Product: Checking or savings account

I am unable to provide specific dates or amounts, as this issue has been ongoing over a period of time. However, I have previously contacted the company regarding similar concerns. Currently, I am facing an overdraft balance due to charges applied several days after transactions were made, which impacted the available balance in my account. I would appreciate assistance in addressing this issue.
Product: Money transfer, virtual currency, or money service

I wired transferred XXXX to Navy Federal Credit Union to XXXX XXXX, XXXX to Act. No XXXX, XXXX. No XXXX. Her address is XXXX XXXX XXXX, XXXX, XXXX XXXX. The money was supposed to be for a cruise for the fans of XXXX XXXXXXXX XXXX. I got sent a ticket but it was bogus. I notified both cruise companies listed and confirmed that with them. I filed complaint with FBI an I9 or IC. I noticed my bank who got in contact with Navy Federal Credit Union. Nothing has been done. XXXX XXXX XXXX notified me saying I called back the funds so she was not sending me my money. I asked her for proof that the money was sent back but she refuses. I checked with my bank and nothing. So either Navy Federal Credit Union kept my money or XXXX XXXX did and now she is saying that XXXX XXXX XXXX will contact me. So obviously the manager XXXX XXXX with XXXX XXXX from XXXX  is involved in all of this also. XXXX XXXX XXXX is ex XXXX and shouldn't be that hard to track down. I'm sure the XXXX wouldn't appreciate knowing one of their own is out there scamming people out of their money. The people involved were XXXX XXXX @ XXXX XXXX and XXXX on XXXX both those accounts are linked. Then XXXX XXXX  on XXXX. Also, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX is refusing to give me my money back same with Navy Federal Credit Union. They have no proof that money was returned to me. MY bank can confirm that.
Product: Checking or savings account

I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed the reporting of a collection account by XXXX XXXX that is inaccurate. According to the Fair Credit Reporting Act, I am entitled to dispute any information that's believed to be erroneous. For clarity, I am under contractual agreement with this company and I have NOT given any consent to share my personal information. I have not provided my signature to conduct business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX to FCRA Section 605B ( a ) 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: Mortgage

On XX/XX/XXXX, I contacted Rocket Mortgage to add an additional checking account to my Mortgage Account via the Rocket Mortgage App. I was instructed what to do and followed the instructions from the Customer Service Rep. I applied the routing number and checking number and received a confirmation that my payment was accepted to support XXXX 's payment. On XX/XX/XXXX, I received an email stating that the checking number that I submitted was missing 2 digits and that Rocket Mortgage already reported my payment as being late to the 3 credit bureaus. I spoke with XXXX XXXX, Servicing Escalations Specialist o XX/XX/XXXX & XX/XX/XXXX who confirmed that the app accepted the data to include the routing and checking number, but does not recognize if missing checking account data. She confirmed that the routing number data was correct, and IF her team manually typed in the checking data incorrect on the phone, she would be able to reverse the negative credit reporting. Since it was performed by me on the Rocket App, she could not reverse the negative credit reporting. I pleaded that I have never missed a payment in over 10+ years with being a customer with Rocket Mortgage and also just refinanced in the spring of XXXX, and she could not help me. After explaining that I would be seeking counsel, she provided me with Rocket contacts to include the Qualified Written Address for Official Complaints and Subpoena Address so that my lawyer could contact them in them writing. I explained that this error which Rocket Mortgage 's System did not capture in a timely manner, reduced my credit score by XXXX points between 3 credit bureaus who have three different credit report number adjustments. With the reduction in reporting, I will not be able to refinance into a conventional mortgage as Rocket Mortgage sold me on in the Spring of XXXX when refinancing me into a second FHA mortgage in the spring of XXXX. I'm trying to get this resolved, but the error is truly on Rocket Mortgage 's end since the system should capture how many checking account digits are needed based upon the routing number submitted. If the Rocket Mortgage Customer Service team typed this data in incorrect and they could reverse the negative credit data from my reports, why can't it be reversed based upon my current circumstance which was a clerical error and the Rocket system did not produce an error message. They received both XXXX and XXXX 's payments on XXXX XXXX once this missing checking account data was corrected and all the payments are up to date. I was even skeptical when they performed the correction since I was fearful that XXXX 's payment wouldn't take and clear due to the banking data that was corrected. It was however paid and the funds for both XXXX and XXXX were accepted and cleared days after XXXX XXXX. Rocket also removed the late fee for XXXX based upon this circumstance, but would not remove the negative reporting based upon the glitch in their payment system software.
Product: Credit reporting

XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.