23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Product: Debt collection

I have been endlessly called by different numbers at all hours of the day over XXXX calls in XXXX day alone!! I am on the DO NOT CALL registry as of XX/XX/2022 yet I am still being called my rights and FTC laws are being violated by Trueaccord collection agency AKA, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  the calls are endless nuisance, telemarketing collection, agencies, calling me to collect a debt I do not owe! I have attempted to solve the matter by disputing the bill and requested validity of debt as of XXXX XXXX but the debt agency never responded to my request. I then have been bombed with calls from different numbers! All trying to collect a debt I do not owe!
Product: Consumer Loan

I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency.
Product: Checking or savings account

Back in May I filed a claim on 2 charges that were UNAUTHORIZED. The claim number for that was with a rogue vendor called The XXXX ( XXXX XXXX XXXXXXXX ) and the Ref # for that claim is Ref # XXXX. I stated in the claim that I was not able to call the company & could only email them. I contacted the company The Handbook on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to demand that my account be deleted and canceled and that they issue me a refund for the charges. Emails remained unopened until another charge was made and funds were stolen. I could not get into my account and so was not aware that my trial period had run over. I only used the account to get one or two addresses for my business. XXXX is negligent because in investigating this they only went to the vendor ( The XXXX ) and took their version of the story at face value without asking me for more information or evidence. As of XX/XX/XXXX ( 3 months after the claim ) they decided to reverse my provisional credits ( XXXX credits were reversed of XXXX totalling {$190.00}. I never even had a chance to submit my evidence before they closed it. In an already difficult time financially, they have further crippled me financially and now my account is at XXXX. Most of that is from their excessive overdraft fees ( totalling at least {$210.00} in overdraft fees at the time of this complaint. XXXX has already benefitted off of 6 overdraft fees in the last 30 days of my financial struggle ( {$210.00} ) as a result of their unfair & incomplete investigation. To disincentivize Wells Fargo from treating their customers poorly and abusing their overdraft charges in a time of financial hardship & inflation, I'm asking for a credit of {$1000.00} into my checking account ending in XXXX. This is to cover my two provisional credits, the enormous stress and frustration, inability to pay my phone bill because of these overdraft charges and to prevent further or escalated complaints. Pursuant to XXXX - Overdraft XXXX XXXX of XXXX XXXX XXXX XXXXXXXX Wells Fargo is XXXX XXXX the worst offenders of overdraft fees, and bears no loyalty to their consumer who they borrow and profit off of every day as they charge interest for the loans they make with our own check deposits.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I did a transfer from my usbank account to my other account in XXXX XXXX XXXXXXXX. 
XX/XX/2020 I receive a email from usbank stating that the transfer was unsuccessful and I should see the money 3-5 business days in my account. 
XX/XX/2020 I have already spoken to representatives of both banks. usbank argue that XXXX XXXX  XXXX rejected the transfer. XXXX XXXX XXXX says that the transaction never happened ( disclaimer : I only talked to XXXX XXXX XXXXXXXX before XX/XX/2020, however I also talk to usbank before and they argued that XXXX XXXX XXXX rejected it ). 
The last representative of usbank PROMISED THAT A MANAGER WILL CALL ME and that never happened. 


To put into context : I couldn't pay the rent on time, compromising my relationship with the landlord. Moreover this situation is the most stressful situation I have ever lived and could cost me and my family on health.
Product: Prepaid card

I never received my prepaid cards for my stimulus payments in XXXX. I contacted the IRS and they told me to contact the prepaid card company. When I contacted the prepaid card company -- Money Network -- they told me that all of the money had already been withdrawn off of both of the cards. I explained that I never received the cards and so an identity thief must have withdrawn the money. They sent me forms to fill out and send in so that they would investigate my fraud dispute. I filled out two forms ( one for each card ) and faxed them in, along with a copy of the police report that I filed with the XXXX XXXX XXXX Department. However, the company never responded in writing to my dispute. 

After more than 10 days had passed, I called again to check on the investigation. The representative told me that my claim had been denied because of " the authentication of the PIN number being used '' to make the withdrawal, but they would credit me about {$20.00}. 

This didn't make any sense to me, because I never received the cards and did not have the PINs. It makes sense that the identity thief would have done this. The representative told me that I could appeal. I submitted an appeal for each of the XXXX accounts, in writing, and submitted them by fax. They had told me it could take up to 90 days to get a decision, but I called to check in after 30 days. The representative I spoke to told me 'the decision stands ' with no further explanation. 

Since then I have called repeatedly -- at least XXXX times -- to try to speak to someone who could actually do an investigation of my fraud claim. I have spoken to supervisors, the 'escalations ' department, and others. I have sat on hold for hours, been hung up on, and spoken to many different people. Some of them have been very rude and unprofessional. Nobody at Money Network has been able to help me with this. They still have not credited my account ( beyond approx {$20.00} at the beginning ) or sent me another card. 

The Dispute ID numbers that Money Network gave me are : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX Issue 1 : XXXX has discontinued/stopped reporting all loan payments to the three credit bureaus, Experian, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On or about XX/XX/XXXX, this mortgage has been sent to the XXXX XXXX XXXX XXXXXXXX due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce XXXX to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at Experian, XXXX, and XXXX. 

Issue 2 : XXXX has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my XXXX mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested XXXX to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, XXXX is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally XXXX should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 8 times to Equifax requesting Equifax investigate unauthorized inquiries over the past two to three months. Equifax is intentionally failing to submit a CDV..dispute. Equifax simply continues to send me results of the investigation request stating w Equifax have receive your request and have viewed it, however are not disputing the inquiries. Failure to investigate any item on my credit report is in violation of the Fair Credit Reporting Act. Equifax is in violation for failure to send me copies of signed application XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$520.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00} New Added Late Open : XXXX  XXXX {$0.00}
Product: Debt collection

Account Name : US COLLECTIONS WEST IN Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report
Product: Vehicle loan or lease

We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. One was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous lien holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with US Auto Sales as they will not be offering the warranty coverage and they did not have any proof of warranty for us but will continue charging us the full payment including warranty cost. When transferring our account to Westlake, US Auto Sales did not include the down payments or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer. After doing research we also found that XXXX ( the warranty company ) spoke to WL in regards to the warranty and payment included in our service contract with no solution. The contract was breached when it was written with US Auto as we were told it was never funded even with us making payments.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES AGAIN VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Product: Mortgage

I feel like CHASE is not working with me to find a solution with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with a new lender on XX/XX/XXXX and XXXX was wired a payoff. XXXX returned the payoff to the title company and in retaliation for refinancing with a new mortgage company XXXX reported to the credit bureau that I am 30 days past due as of XX/XX/XXXX. XXXX then accepted a higher payoff amount on XX/XX/XXXX after exorbitant fees were added. My credit report still reflects that the mortgage is open, late and 30 days past due. This information is incorrect as my mortgage is paid in full with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company ( XXXX XXXX ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue XXXX XXXX because I lost a job opportunity because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
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 or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have repeatedly disputed with credit report bureaus about inaccuracies on my report, they conduct their investigation, and they still will not take the inaccuracies off my account. The company I supposedly owe money to has yet to supply any evidence to support their claims. I cant get a bank account. I cant get any kind of loans or help with finances because of this. Its not fair I have to live like this because the credit bureaus want to take the side of huge corporations.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? THIS COMPLAINT IS ABOUT XXXX/XXXX XXXX. <P/>Step 2 : What type of problem are you having? I HAVE BEEN TRYING TO CLOSE THE ACCOUNT AND THEY KEEP ADDING AMOUNTS TO MY CREDIT CARD THAT I DO NOT OWE. <P/>Step 3 : What happened? ON STATEMENT FROM XX/XX/XXXX - XX/XX/XXXX I OWED {$200.00}. I PAID THROUGH XXXX  XXXX ON XX/XX/XXXX I PAID THE AMOUNT OF {$100.00} AND ON XX/XX/XXXXI PAID THE AMOUNT OF {$100.00}. Then after I paid they charge me the amount of {$2.00} and I paid through XXXX XXXX XXXX XXXX. ( See Attachment ) After this payment they claimed that the payment was returned and it was not true. t and then they claimed that {$100.00} was returned and is not true, because ( see statements. ), they claimed that was returned on XX/XX/2017 and the payment was done on XX/XX/2017. What they did was to charge {$100.00} and it was fraud to my account because I reported XXXX XXXX for Fraud from XXXX and I did not authorized any withdrawing of money from my account. Step 4 : What company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

have over years asked my mortgage service provider for a better interest rate .They refuse to work with me unless im late on payments, offer no options have been paying 7.9 % for 20 years. they one time offered a look at a loan modification, but forced me to go late on payments to do so. Witch in turn took my XXXX credit score to mid XXXX they will now no longer talk to me. When I ask for the real mortgage holder I get a list of banks 6-10 long most no longer in service. All other lenders in my area want to loan far more than I NEED, OR WANT.