23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2019 my bill did not go through when it as on auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

On XX/XX/2015, this company received my request for validation for a frivolous debt they had reported on my credit report. The company failed to provide me with any former validation, at the same time they persevered with reporting the account on my credit report
Product: Credit reporting or other personal consumer reports

Per notification from Experian XXXX Acct # XXXX was updated XX/XX/XXXX XXXX Acct # XXXX updated XX/XX/XXXX from XX/XX/XXXX reinvestigation. XXXX Acct # XXXX shows XXXX ( XX/XX/XXXX XXXX charge off date ) since then the account has been repeatedly updated with XXXX for XXXX other XXXX also. XXXX Acct # XXXX previously showed ( XX/XX/XXXX as XXXX charge off date ), now has XX/XX/XXXX as XXXX charge off date. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. Experian failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion of the following accountsXXXX Acct # XXXX and XXXX Acct # XXXX.
Product: Credit card or prepaid card

My American Express Credit Card called XXXX XXXX was about to expire. I received a new card in the mail which was also XXXX XXXX card but it was XXXX that I had canceled many years back because I spoke to a representative who confirmed that I cancelled this card. Unknowingly I reactive this card thinking it was my replacement to my card that was about to expire, I then saw XXXX of the same cards on my online app and I assumed eventually they would move the balance over ( why would I open XXXX of the same cards! ) .I waited and started using the new card it went over my limit and I got a notification. So I called Amex right away and they confirmed I cancelled the card so why was I sent a replacement for that and not my new card. This unfair to me as my credit will be impacted.
Product: Student loan

I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by Fedloan up until XX/XX/XXXX, after which they were transferred to XXXX/XXXX  XXXX I made $ XXXX in payments to Fedloan during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX over the next several months , still within the forbearance period. I requested a refund of these payments when the BidenXXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that Fedloan Servicing has lost information regarding my payment history when they transferred my remaining balance to XXXX/XXXX  because neither servicer can find history of it. As a result, XXXX is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called Fedloan and they told me it was not their responsibility and that XXXX has to handle the refund. I have called XXXX 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in XXXXXXXX XXXX website and then Studentaid.gov, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both Fedloan and XXXX 's websites restrict account access to website features once the loan balance is {$0.00}. XXXX prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. Fedloan is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from XXXX is that the refund is processing and is currently held up with their request to Fedloan for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my LexisNexis report that are not mine. They list me as the Primary Policyholder. I have never opened an insurance policy with XXXX, because I have not ever owned a car until XX/XX/2023. These accounts are a result of years of identity theft by my mother, and XXXX has already resolved this on their end by terminating the policies as though they never existed. I sent them proof of the theft by sending a police report to them and informing them I never owned the cars on the policy. Unfortunately, I have already tried the dispute process with LexisNexis and they refused to correct inaccurate information, so I am going directly through the CFPB. I have attached Progressives fraud department results and the police report for your viewing, and I expect those accounts to be removed from my LexisNexis report. I am already unable to get car insurance because LexisNexis refuses to fix errors in my report. I will be including this issue in my eventual lawsuit if it comes to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! 

here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! 

XXXX  XXXX, & XXXX XXXX XXXX XXXX  XXXX 2 accounts listed with same acct number but one with credit limit of {$26000.00} and thee other {$1300.00} XXXX XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites! but both show different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both Transunion, XXXX, and XXXX  XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. Fed Loans is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed 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
Product: Credit reporting or other personal consumer reports

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX, Amsher Coll XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection account listed on my credit report. I have reviewed the information provided, and I believe the reporting of this account violates federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The CBE Group XXXX XXXX XXXX XXXX According to the FCRA Section 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifable. Upon reviewing this account, I believe it meets the criteria for removal fr the following reasons : 1. The debt is not mine, the amount is incorrect, or the statute of limitations has expired. 

Under FCRA Section 1681c, information about a collection account must be removed from my credit report if it is inaccurate or can not be verified after investigation. Therefore, I request that you either provide proper documentation proving the validity of this debt or remove this account entirely from the credit report. 

I also request that you send me written confirmation of your findings actions regarding this dispute. Please notify me of any actions taken to resolve this issue. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I volunteer gave the suv up the tow truck came to my home and gotten truck they sold the truck at auction for less value doing time I didnt get any notice in mail because of of mail carrier and mail was getting mixed up final gotten something from the cops at the door at court paper didnt have clue I file tax form for this car they started a garnishment causing I owe XXXX when my 2023 taxes was taken I was out sick spoke with several to get the payment reduce single parent I get paid once a month they are taken XXXX monthly I truly need help o feeli have paid what I owe they want more
Product: Debt collection

I am reporting a fraudulent collection account placed on my credit report by Jefferson Capital Systems. The account pertains to XXXX XXXX, which I closed on XX/XX/XXXX, with no outstanding balance. I transferred my service to XXXX XXXX XXXX on the same date, which requires a XXXX balance to complete. Additionally, XXXX issued a final statement on XX/XX/XXXX, confirming an overpayment of {$0.00}. 


Despite this, Jefferson Capital Systems is reporting a balance on my credit report as of XX/XX/XXXX, nearly XXXX years after my account was closed and paid. This is a false and unsubstantiated claim, and I request FTC assistance in ensuring this fraudulent entry is removed immediately.
Product: Debt collection

a phone call I received on XX/XX/XXXX. When you indicate you will take my XXXX XXXX XXXX if I park it out front and garnish my pay. 

He knew my name address and telephone number and said I need to pay my bill and he said he had my file and ran off a list of billing and payment from XXXX loans. 

I I indicated, I believe I paid that off and what was the payment amount of payment or last payments and he indicated I got your file and he stated a few {$200.00} payments. 

I was under medication and indicated if I caught thieves trespassing on my trying to steal my property I going to shoot at them and not taking threats and hang up. 
I then called back and ask them to sent me someone by email as he indicated he'll have a settlement amount and I can make payments. 
Defendant needed to verify debt. As I have had ID theft and has had collection attorney executing process of service, that I were not served also have paid bills in collection. 
Further, Plaintiff has not responded to my XX/XX/XXXX request and offer of payment reductions upon the documentation provided ( see attached ) from 1st, 2nd, and 3rd ect., parties. 
Have no verification of account as Its hard to keep safe once they get your information out there, because in today 's ' reality, people/collectors gather information to sell, Steal, Discriminate and Collaborate with third, fourth, fifth, etc. party in violation of numerous State and federal violations FCRA, FDCA, ECOA et., al XXXX 

I got the email and presenting to you in complaint. 

My XXXX XXXX went up to XXXX as I was injured in an accident.
Product: Debt collection

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a few accounts with Experian since XXXX XXXX and none of my concerns have been met. They keep verifying and updating my accounts but never sending me the documents that they have used to verify the accounts. More Importantly, the Payment history is inaccurate which is effecting my consumer report by reporting incorrect information, Payment History, and have yet to send verifying documents to me after three attempts of asking for them. I would really appreciate assistance with fixing my disputes so I can start my american dream of being a Homeowner, sooner than later.

Thanks If any more information is needed I can send you upon request. Thanks again!
Product: Mortgage

We requested an appraisal of our home to potentially remove the Private Mortgage Insurance requirement since we believe our home value is below 80 %. We paid US Bank {$450.00} for the appraisal. While the appraiser was in our home they asked what the appraisal was for which we responding the removal of PMI. The appraiser then asked if what we needed the appraisal to come in at, we responded with at least {$430000.00}. We felt a little uncomfortable by that question, but waited until we got the results from the appraisal. We received the appraisal back on XXXX which showed a home value at {$420000.00}. {$420000.00} was the same value as a smaller home that had been sold on our same street many months prior to the appraisal ( homes in our area have continued to increase in value ). We called that day and US Bank said we needed to wait for a letter back. We received the first letter Dated XX/XX/XXXX notifying us that the LTV requirement wasn't met and we could file a reconsideration of value request and send it back. We filled out the included forms and wrote a letter back ( attached as Appraisal ) and place in the mail on XX/XX/XXXX. We hadn't heard anything back, so we called back at the end of XXXX. The rep told us they were still reviewing it, but that we could also email them. We then called back a week later and the rep said we didn't respond in time. When we emailed the letter it had been 63 days since the date of the appraisal and needed to be within 60 days. After speaking with a senior representative they were able to find the original letter which they received on XX/XX/XXXX. The senior rep said they would reopen the reconsideration of value. Since that conversation, I received a letter dated XXXX that stated I didn't respond in time and a second letter date XX/XX/XXXX which was the same as the original reconsideration of value letter dated XX/XX/XXXX. I called US Bank and the first representative stated that my request was denied. I then spoke to a second senior rep who said they had mislabeled my original letter and they would be reopening and reconsidering the request.
Product: Checking or savings account

On XX/XX/2022 my Wells Fargo account was hacked online and money was transferred from my savings account to my checking account then my credit card was used to make fraudulent charges. They created a travel plan on my account that from XXXX to XXXX. I contacted wells fargo within 30 mins of the activity showing on my account. I turned off the credit card that was compromised. As i was on the phone with wells fargo agent i changed my account user name and password. They told me to give them 10 days to investigate the claim, then declined my case saying there was no fraudulent activity. I called back and they told me they would reopen the case with higher management and that i needed to give them 10 more days to investigate. I called back during the second set of 10 days multiple times looking to talk to a manager and they were never available and they never returned messages or calls. I have all the evidence needed to prove my account was hacked but wells fargo did not help at all with listening to my input and basically kept telling me they would call me back on multiple times and never did. They finally told me the case was never reopened on the last time I called them and they said i would not get my money refunded. I lost a total of {$4600.00} dollars. After i received no help from wells fargo. I contacted a lawyer for advice and was told to file a police report about the case. I filed a police report on XXXX. I'm taking all measures possible to hold wells fargo accountable as i have proof of the fraud on my account. As their customer of over 10 years it is very frustrating that their customer service was all but professional. I would like any advice and help I can receive in pursuing Wells Fargo to refund my account of the money that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all 14 derogatory marks on my credit report to Fed Loan and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our Credit Reporting Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all errors : Between XX/XX/XXXX and XX/XX/XXXX an inquiry made by XXXX XXXX XXXX  XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX These two accounts are not mine. Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX {$1500.00} XXXX XXXX XXXX   Opened XX/XX/XXXX {$1700.00} XXXX XXXX XXXX CC Opened XX/XX/XXXX {$1700.00}