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

I asked Equifax to investigate some items on my credit report on XX/XX/XXXX. Trough usps tracking, my mail was received on XX/XX/XXXX. 
In the letter i was asking them to send me back the results of the investigation to my address. 
i attached to this letter a copy of my report, circled the items, my SSN, copy of my ID & a utility bill. 
Around XX/XX/XXXX, I received a letter asking for more documentations to identify myself ( even though they already had it in my first letter ) i sent back a second letter on XX/XX/XXXX with my paystub and my Social security card ( be mindful they already had my ID & an utility bill!! ) today XX/XX/XXXX they asked me again for the same documents!!! 

They clearly do not want to investigate and are engaging in delay tactics in flagrant violation with the FCRA!!! 

I will not send them back any more identifications since clearly they can not be trusted to manage informations. 
I not only want all those items to be removed from my account but i do think they need to be severely punished for their actions as they are known to do exactly that!!! 

Per the Fair Credit Reporting act those agencies have XXXX  days to investigate & send me the results of this investigation. If they don't, the items i asked them to verify must be removed. 

Also per the FCRA, i could be entitled to financial compensation. 
I started to ask about those items after verifying the informations myself and noticing discrepancies. Those might have or will cost me potentially thousands of dollars in interests over the time i pay back loans or credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My PayPal account was banned without any reason in XX/XX/2022. I received a notification saying that I will be able to withdraw my PayPal balance after 180 days. On the XXXX of XXXX I received an email from PayPal saying that my PayPal funds are now eligible for withdrawal. But when I tried to add my bank account, I got some error. Then I called PayPal support, but they were not able to help me and just told me to try again after a few days. It's been 3 months, but I'm still not able to add my bank account and withdraw my money. Every time I'm trying to add a bank I'm getting an error " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' And every time I contact PayPal support they just tell me to wait. I'm tired of this and just want to get my money back. Please check the issue with my account and allow me to add a bank account.
Product: Student loan

XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX
Product: Debt collection

XX/XX/2020, Contacted JEFFERSON CAPITAL SYSTEMS, and was repeatedly referred to XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Fax XXXX XX/XX/XXXX, payment clear the bank account to XXXX XX/XX/XXXXXXXX XXXX XX/XX/2020 received email from XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX with attached letter stating : CURRENT CREDITOR : JEFFERSON CAPITAL SYSTEMS REFERENCE # : XXXX ORIGINAL ACCOUNT # XXXX This letter will confirm that the above referenced account has been satisfied in full. Should you have any questions, please feel free to contact my office. 
Thank you, XXXX XXXX XXXX XX/XX/2020 made repeated phone calls to Jefferson capital systems which kept referring me to XXXX and XXXX. 

XX/XX/2020 and XX/XX/2020 received the results of two different disputes via XX/XX/XXXX with which I even uploaded proof and explanation as to how the account was paid off, and the company says I still owe the money and it has been unpaid every month. XXXX XX/XX/XXXX XXXX has repeatedly told me via customer support via being directed there by Jefferson capital systems, " my credit report status will be changed to paid for the collection '', and " XXXX balance should be shown ''. 

I have been unable to get a personal response from Jefferson capital systems and the only company that reached out after contacting multiple times was XXXX XX/XX/XXXX XXXX and that was to assure me the other company would update my credit report appropriately. 

This was a court ordered debt my ex-wife was awarded in a divorce ( she got the debt in my name while I was XXXX on a submarine with no contact and she had no power of attorney ). I have a notarized letter from her stating she took full responsibility for debt. I paid to get it off my record and suing her in small claims court for not taking care of it. I can provide additional proof of that as well. 

I took screenshots of the email from XXXXXX/XX/XXXX XXXX and attached, let me know if I need to provide the actual email.
Product: Credit reporting or other personal consumer reports

I am not liable for the late payments with ( XXXX  ). XXXX late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from XXXX for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates , LLC have been collecting payments as a collection from me. They were awarded this unlawful agreement through court. I have paid the unlawful debt agreement in full and instead of Portfolio updating the amount on my credit report, the company stated that I have being making inaccurate payments on the account after the accurate was paid in full. The company verified through several XXXX disputes that my account was accurate on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX. These verification were all a misrepresentation of my ability to make the unlawful payments. Therefore continued to damage my credit worthiness. I received a certificate of service in the mail that states that this unlawful debt was satisfied in full on XX/XX/XXXX, in XXXX of XXXX by mail. This is also a fabrications, the bill was paid in full in XXXX. Even with all the misrepresentation of this account on my credit report as of today, XX/XX/XXXX, Portfolio Recovery Associates , LLC is still showing that I owe XXXX on my credit report even though they sent me a letter stating that the debt is PAID IN FULL in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I was told they will back date the payment for 2 money orders to process my last remaining student loan since XX/XX/2023. I never get it a result and it still there balance {$1100.00} after delay to months. The 2 other loans already paid off. I don't understand why didn't process the payment for my last one it taking so long. Customer Service Rep told me to mail via check/money order. Which I've did the day I mailed them a certify mail along with verification signed! I need them to remove all 3 accounts off from my credit report it's affecting me for applying home, job, and other benefits.
Product: Credit reporting or other personal consumer reports

Once I seen these account I asked them to verify due to fraudulent and unauthorized transactions and identity theft, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Product: Debt collection

I have tried numerous times to contact this debt collector to provide proof of contract and it was never delivered.
Product: Debt collection

this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.
Product: Checking or savings account

XX/XX/XXXX fraudulent charge of XXXX wasnt refundable. After 3 consecutive disputes and supplemental information and documentation of proof that this charge was in fact a fraud and other banking institution refunded my money. Chime continued to deflect and ignore my claim and proof. Closed my account without my permission.
Product: Checking or savings account

To whom it may concern, I am filing this complaint regarding my recent experience with Wells Fargo Bank. On Thursday, XX/XX/year>, I used Wells Fargos mobile deposit feature to deposit my weekly paycheck of {$1000.00}. Approximately 30 minutes later, all my accounts were unexpectedly locked, denying me online access. 

Upon contacting Wells Fargo three times on XX/XX/XXXX ( calls are recorded and available ), I was informed their system flagged my check as altered. This accusation is incorrect. I've consistently deposited similar checks weekly from the same employer for the past year. The only difference this time was the check amount increased from {$700.00} to {$1000.00} due to a raise. 

The bank stated they needed to verify my paycheck directly with my employer, which they did successfully on XX/XX/XXXX. Despite verifying the authenticity of the check, Wells Fargo indicated my accounts would remain locked up to 48 hours. 

As of Monday, XX/XX/XXXX, I still could not access my account. During this period, all my ACH payments, including my car payment and apartment rent, were rejected and returned, negatively impacting my financial responsibilities and potentially affecting my credit. 

After numerous calls, I learned that Wells Fargo plans to permanently close my account on XX/XX/XXXX without explanation. The bank representatives refuse to provide any clear justification or allow me to communicate directly with the responsible department, claiming they do not accept customer calls. 

Currently, my account remains locked, restricting my ability to pay critical bills and causing unnecessary financial and emotional stress. I request CFPB assistance to address this situation promptly, ensuring my banking privileges and credit standing are fully restored, along with a clear explanation from Wells Fargo about their actions. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has reported to my Equifax Credit File/Report. I have filed an FTC, XXXX and have my Police Report to remove these fraudulent items from my credit report. In addition, I have filed a dispute online with Equifax providing the same information, which took over the required time frame for a fraudulent item to be removed. In addition, it took a long time for someone to get my complaint and process it, which I am filing this complaint. Also, Equifax is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account on my credit report, which needs to be removed effectively immediately. I am filing this complaint because Equifax is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail and online, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking Equifax to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$46.00}, and Account Number : XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I received a deposit for a little over {$1600.00} in my savings account which is from my XXXX XXXX, when I called to check the balance on the XXXX instead of {$1600.00} there was only {$16.00} in the account after researching transactions There were XXXX unauthorized ATM withdrawals on XX/XX/XXXX at XXXX XXXX for {$1100.00} and at XXXX XXXX  for {$500.00} which left me with a balance of {$16.00} I had to wait till XX/XX/XXXX for the transaction to post before I could dispute it after disputing the XXXX transactions they told me that a provisional credit would be issued within XXXX to XXXX business days, but could possibly be up to XXXX but typically within XXXX to XXXX business days its been XXXX business days since and they keep giving me the runaround now they tell me they might do a ATM audit which could take XXXX  days but I have received no provisional credit for my {$1600.00} that was stolen out of my account without my permission or knowledge, Ive contacted US Bank somewhere between XXXX to XXXX times regarding this issue they keep putting me off telling me it will be there by noon and if its not there by noon to call back at XXXX, Ive called back every day since all the way up to XXXX business days and its still not there XXXXXXXX XXXX XXXX XXXX XXXX and have no money for food at all to feed myself. I beg them and beg them to issue the provisional credit so I can get money to eat but no provisional credit has been issued as of the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

While we appreciate fixing the issues with the XXXX and taking off the XXXX late payment reference that has not completely fixed the issue. We sent back notarized copies of the deed in lieu paperwork prior to the XXXX XXXX deadline and the notarized copy shows that it was in effect XXXX XXXX, 2016. Having that paperwork in prior to XXXX XXXX there is no way that we can held responsible for there being a late payment of XXXX and would request that this late payment be removed as well. My husband pulled his credit report today and noticed that the XXXX late payment has been removed but now Seterus , Inc. has reported that we were late in XXXX all of a sudden when that had not been the case prior. We would like Seterus , Inc. to stop changing other payment information without notifying us of this case since it does not appear in the XXXX documentation which is the same as in this XXXX file attached. We have attached a copy of the deed in lieu paperwork that has been referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT (XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) (XX/XX/XXXX) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE CORRECTED AND UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THE DATES IN THE PAYMENT HISTORY FOR THESE ACCOUNTS ON MY CONSUMER REPORT : ( XXXX XXXX ) ( XXXX XXXX )
Product: Student loan

I have made this complaint several times and my question is being ignored. Here it is, as simply as I can make it : XXXX. MOHELA 's response to a previous complaint said the following : " Our records indicate that interest has not capitalized on your student loan account for the duration MOHELA has serviced your loan. '' This is not true. I currently ( XX/XX/year> ) have MOHELA 's website open, and my account history shows interest capitalized on XX/XX/year> for the following amounts : {$100.00} and {$110.00}. 
- Please tell me why your records do not match my account information that is on your website. 
- Please update whichever one is incorrect and tell me what is correct. 

XXXX. ) You have never address the " payment reversal '' issue in my account history. I have asked about it numerous times : I have given dates, uploaded screenshots, and it's in my records. XXXX more time : There is a payment reversal in my account history in XXXX of 2024. I did not authorize it, nor did I receive any kind of refund. After this payment reversal, the entirety of my payments went to interest and I started seeing interest capitalized. Why? 
- I want you to directly address what the payment reversal was, why it happened, and why my payments after this payment reversal were applied to interest only and nothing to principal.