23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I cosigned two student loans through Sallie Mae for my daughter XXXX XXXX. XXXX became seriously ill in 2021 and has been off work without pay due to her illness. She had major XXXX XXXX on XX/XX/XXXX and then a second XXXX on XX/XX/XXXX and spent over XXXX weeks at XXXX XXXX XXXX. She is scheduled for a third XXXX on XX/XX/XXXX where they will be removing a portion of the left side of her brain. She will need many months of recovery before we know if the XXXX was successful or not and if she will be able to go back to work. Sallie Mae informed us the only way they can do anything about the loans is if she is declared permanently XXXX but we wont know that for quite a while. At this time she is no longer able to work , drive, or even be by herself. She needs constant care 24 hours a day. They are now coming after me for the loan payments and I understand that I am responsible as the cosigner. However, when I co-signed those loans I was making quite a bit more money and unfortunately I was laid off of my job that I held for 13 years due to no fault of my own and I now make considerably less. I struggle to pay my bills and I have almost completely wiped out my XXXX XXXX XXXX XXXX. When the loans went 60 days past due it reported to my credit and knocked my score down XXXX points. This was devastating to me at the age of XXXX! Sallie Mae informed me that once the loans default in the end of XXXX I can have my wages garnished or a lien put on my home. If they garnish my wages theres absolutely no way I can afford to pay my living expenses. The equity in my home is all the money that I have at my age and if they come after that I dont even know what the point of living is anymore. XXXX XXXX has been absolutely devastating to our whole family and now we are both being ruined financially for something that is totally out of our control. I would pay the loans if I had the money but I just dont have it and I dont know where to come up with it. I already know that I have to work until Im XXXX XXXX XXXX because I dont have any money for retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THANSUNION XXXX AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX BANK BALANCE OF {$520.00} XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE
Product: Credit card or prepaid card

Goldman Sachs Apple Card has denied my dispute 3 times so far for a fraudulent purchase made with my apple credit card to the apple store on XXXX XXXX, 2022 in the amount of {$880.00} and the XXXX XXXX side has repeatedly confirmed that they do not see the purchase in their history, so it only shows up on Goldman Sachss credit card side. 

Goldman Sachs is not providing evidence that they see the charge is indeed valid for any goods or services received through the XXXX XXXX as indicated and rejects the dispute without providing details of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

I started a new job and was sent a phishing email that I thought was real. It had me send {$700.00} through XXXX on my chase account. I called them immediately to get it fixed and they said they couldn't do anything. I want to dispute this and get my money back.
Product: Student loan

I am a co-signer on my son 's student loan. During the consolidation process Well Fargo advised us not to make a payment, and that a late fee would be assessed. After the loan was consolidated, I called to have the late fee reversed it was not. The inclusion of the late fee caused the principal balance and the minimum payment to be greater than it otherwise would have been. I have been repeatedly promised that the error would be corrected. It has not, the inclusion of the late fee causes all future payments to be incorrect as well. In addition, there is no way to set up automatic payments, or access account information without my son 's permission even though I am a co-signer on the loan.
Product: Student loan

I constantly receive calls from the XXXX number, which I have identified as Navient through online searching. When I answer the call, no one seems to be on the other line. When I do n't pick up the phone, they leave a blank voicemail. I get calls from this number 6 times a day and at the most inconvenient times. My loans are current so they have no other reason to be calling me.
Product: Debt collection

The accounts on the identity theft report are not mine, I was a victim of identity theft.
Product: Debt collection

My name is XXXX XXXX XXXX and in late XX/XX/2013, I was involved in a car accident. The accident was the fault of a XXXX XXXX, who had XXXX me. I was XXXX  after the accident and taken to the nearest hospital, which was XXXX XXXX. 

From my understanding, the driver 's insurance very minimal and at the time I did not have insurance, so the cost of the hospital bills were not able to be fully covered. 

The reason I did not have health insurance at the time was because I was working one job for minimum wage and going to school and could not afford it. 

Months after the accident, I was sent bills from a collection agency called Sequoia Financial Services for XXXX XXXX. The bills were for the amount of approx. {$25000.00} and have been collecting interest, I imagine.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to COMENITYBANK-VSMC since no action action of getting this deleted has been taken about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXXXXXX The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am refiling this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
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 : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. They address they provided to reach them is not accurate and the mail was returned. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as TransUnion LLC, must carry out their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, I am empowered by 15 USC 6801, which declares Congress 's policy that financial institutions, including entities furnishing information to credit agencies, have a continuous obligation to uphold customer privacy and protect nonpublic personal information.

Referring to 15 USC 1681 section 604a ( 2 ), it is explicitly stated that consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the concerned consumer. I want to make it clear that Transunion LLC and the entity furnishing information to credit agencies do not have my consent, be it verbal, non-verbal, written, implied, or otherwise, to share my information. This revocation of consent is based on 15 USC 6802 ( b ) ( c ), which requires financial institutions to inform consumers of their right to exercise nondisclosure optionsa step not taken in my case.

Furthermore, the reporting of adverse information without my permission, as per 15 USC 1681C ( a ) ( 5 ), is in direct violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and TransUnion are evidently not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e.

In accordance with 12 CFR 1016.7, I am hereby exercising my right to opt out of your reporting services. It is imperative that my privacy rights are respected, and I expect compliance with the relevant statutes and regulations outlined above.
Product: Debt collection

Halsted Financial contacted me trying to collect on a debt that I do not owe. I asked to be emailed the information concerning the debt on XXXX separate occasions I was told that the emails were sent. I checked regular and spam folders, no email explaining this unverified debt. I am being harassed by a pre recorded message telling me to contact their office immediately of be faced with legal action. I have asked not to be contacted as well as debt verification, neither has been received.
Product: Credit card or prepaid card

I received an email from BJ 's Comenity about an amount due, about {$81.00}. But I never used the credit card. When I called the company, Comenity, the IVR said I didn't have a balance. But when I asked to speak to a CSR, I was told I had an {$8000.00} balance.

When I asked to speak to the fraud unit, " Asset Protection, '' I briefly spoke to someone, but the call was disconnected. I called back several times, on different days, but I was on hold for nearly an hour and no one ever answered. 
I reached out to XXXX, and the FTC. 

To date, I still keep getting billing notices from Comenity, now XXXX XXXX has taken over Comenity 's accounts. I acted promply and have been trying to let the card company know this is an identity theft matter. 
I had received an email around that same time, asking for some kind of payments. I believe I contacted the FTC and sent a copy of the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX  who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 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.
Product: Student loan

I graduated in 2013, am unemployed and not able to pay the {$800.00} per month pay back on my loan. I am looking for employment and, the monthly payment is too large for me to be able to pay while covering my living expenses. 

I have repeadetly contacted Wells Fargo for assistance in lowering my monthly payment. I do not qualify for consolidation because of my credit score which was marred by Wells Fargo. In addition, even if they DO offer a consolidation loan, the interest rates are very high and it would not lower the monthly payments. 

It is impossible for me to pay {$800.00} and I am hoping for assistance in renegotiating the loan with a reasonable monthly payment.
Product: Mortgage

Wells Fargo Home Loan department issued a cashier 's check to me but will not inform me where the funds from the check went. They put a stop payment on the check, but did not send the unclaimed funds to the state, they kept the funds and did not account for the funds when I inquired about cashing the cashier 's check. 

The issued me a cashier 's check but put a stop payment on the check without explanation or accounting for the funds..
Product: Money transfer, virtual currency, or money service

I contacted Cash App regarding transactions occurring on my numerous Cash app accounts and there was no live person to speak with regarding transactions that were completed on each of my Cash App accounts This has been going on since XXXX  of XXXX.
Product: Checking or savings account

The incident occurred on XX/XX/2018. 

I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents. 

Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud. 
I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer 's bank, and waited until the check cleared to make any further transactions- in or out of the account. 

Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen. 

The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe. 

Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told. 
I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account. 
The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds. 

Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.
Product: Payday loan, title loan, personal loan, or advance loan

Kept on a line with false and misleading information only to be denied. Their website indicates acceptance or denial can be found immediately. Yet, I was told I was approved, just satisfy a few steps. There never was a loan, especially for people of color.
Product: Credit reporting, credit repair services, or other personal consumer reports

Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$58000.00}
Product: Money transfer, virtual currency, or money service

My account has been in the negative since the Cash App Breach of XX/XX/year> when they were double charging for all my transactions then taking it back a week later. On XX/XX/year> I was charged {$78.00} for a {$39.00} bill at XXXX XXXX XXXX. Also later in that day I was charged {$860.00} for a {$430.00} bill at XXXX on XXXX XXXX. Eventually the funds were returned but it put me in the negative because of the double charging.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report I see hard inquiries that I do not recognize are authorized, therefore I ask that these be eliminated since they are hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX