23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan payments are {$1000.00} a month. Everyone else I graduated with does not have a payment this high. I think I filled out my fasfa wrong or something. I do n't understand why my payments are so high and why I did n't get any grants from XXXX. I also believed that it would be 6-7 % interest on the whole loan not compound daily. I make {$1700.00} after taxes. I pay another {$75.00} in sub and unsub loans a month. I literally make enough money to pay my car payment, car insurance and gas to get to work. I had to get a second job just so I can eat. I literally debate whether it is worth living everyday. Can you please see if there is something you can do? 

Also, I remember shortly after I graduated XXXX President had to step down or something because there was a money scandal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get an issue resolved with XXXX XXXX and have disputed it through Experian and XXXX but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, XXXX XXXX received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called XXXX and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by XXXX again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to XXXX XXXX. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by XXXX, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by XXXX was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want XXXX to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One credit card was paid off, XXXX balance in XXXX XXXX. Cap. One reported to the credit bureaus my acct was past. In XXXX XXXX, Cap. One reported the acct 90 days past due. In XX/XX/XXXX, Cap One reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XXXX XXXX File noXXXX. Cap. One responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, Cap. One still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. Cap. One has knowingly and purposely caused negative affects to my credit report.
Product: Money transfer, virtual currency, or money service

I zelled the wrong person {$250.00} and it went to the wrong number. I tried to contact the person and they would not send the money back. I reached out to my bank and they told me they couldn't do anything about it ( Wells Fargo ) I reached out to their bank ( XXXX ) and they told me they couldn't do anything about it.
Product: Checking or savings account

On XX/XX/2021 I received a debit card in the mail from Wells Fargo with activation instructions. I have never opened a Wells Fargo account. I called their Fraud Department, and it was determined that the account was opened as a result of fraud, and the employee stated a freeze would be placed on the account, and an investigation would begin. 

I received a letter on XX/XX/2021 that the account is still frozen and that the investigation is still underway. 

I am submitting this complaint for the awareness of the CFPB, and for the awareness of consumers and shareholders in Wells Fargo that checking accounts are being fraudulently created at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On Equifx # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.
Product: Checking or savings account

My name is XXXX XXXX I am XXXX years old. I currently live in Florida. I have an account with Santander Bank opened at the branch at XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX. I have been trying to have the funds transferred to my Florida account since XX/XX/2020. The bank is giving me the run around. Initially they wanted a letter requesting said funds, notarized and with supporting documentation. I complied with their request, but they claim they have not received it. Other attempts and phone requests have also failed. Please help! 
Thanks for your time. 

XXXX XXXX XXXX XXXX ( daughter )
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but Bank Of America, but the account was closed per BOA before because of BOA allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
Product: Credit reporting

Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my right under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please the names, business addresses, and phone numbers of those who made unauthorized credit inquiries I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

XXXX XXXX ( Finance ) XX/XX/2022 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Payday loan, title loan, personal loan, or advance loan

On multiple occasions, the business has failed to auto-draft payment as scheduled and agreed upon in order to secure a high-interest loan, the most recent was payment scheduled for XX/XX/2024. After manually making a payment online, I was emailed on XX/XX/2024 a notice of delinquency from the company, threatening to turn my account over to collections if payment was not made within 5 days. The customer service representatives are never able to provide specific information about the account balance, interest accrual, payment amounts, and how payments are applied to the original principal that was borrowed or interest and fees that are added to the balance. In addition, the website is not helpful or user friendly, and the periodic communications about your account, sent by email, are not accurate, up-to-date, or informative.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CHXXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference No. : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am aXX/XX/XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Checking or savings account

Hi, I just read an article about the law suit against Capital One 360 Savings and was surprised to discover that my account, which used to be with Ing and was high interest, is not earning high interest at all. That's quite a shock. I also just tried searching for the 360 Performance Savings and can't find it. I even asked the bot about it on the Capital One site and got nothing. I am certain I never knew I could switch to a high interest savings account because I thought it already was using one. I've been saving money in there for a long time. I'm shocked and furious to think that I thought this was a high interest earning account all this time.
Product: Credit card

I was notified on XXXX of a credit limit change with my AE store credit card. My limit was changed to {$100.00} from {$250.00}. ( low to begin with mind you ) The letter I received stated that my other lines were too high compared to limit ratios and my score had dropped too much due to Serious delinquency. I haven't been delinquent on any account in almost XXXX  years. 

I did have XXXX late payment with them because I thought I was on auto pay and I was not. I have paid the balance in full including the late fee. I have contacted the company multiple times and have spoken to multiple people over the last XXXX days and as of today XXXX I have no answers and was talked too like a dead beat. They took my limit down and made my ratio on this account go from XXXX  % to XXXX %. This will hurt me with no notice. The rational in the letter I was given, debt to credit limit ratio, was just made worse by their action. They caused their own problem and this is wrong.
Product: Debt collection

I was in high school in Georgia I did not open this account. This account is fraudulent.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Mortgage

I was charged a late fee by my mortgage company and I have auto payment set up thru my Bank : XXXX  XXXX XXXX which goes thru beginning of every month, following is proof of auto payment via my checking account since beginning of year : XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX  ID : XXXXXXXX XXXX View/Edit Other Payment - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX View/Edit Other Payment - {$2900.00} I was charged a late fee of {$94.00} for late payment which I did not make, here is the proof what what they charged, I have never missed a payment and should not have been charged a late fee and would like a refund of {$94.00}. : XX/XX/year> Disbursement for Taxes - {$2900.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Late Charge Fee {$94.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XXXX XXXX, XXXX  Payment {$2900.00} XXXX XXXX XXXX, XXXX  Disbursement for Taxes - {$2800.00} XXXX XX/XX/year> Principal Payment {$15.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Initial Escrow Deposit from Closing {$2900.00} XXXX XX/XX/year> Escrow Refund To Borrower - {$2900.00} expand_more I have called LoanDepot and they refuse to take away the late fee, they say they can not do anything about this, I have autpayment set since beginning of my mortgage payment and above proof that I was not late, it's not my fault that they didn't receive the payment or process the payment before the due date.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are reporting my transactions with your company to the consumer reporting agency. Under the EXCLUSION section, it states that a consumers transaction or experiences between the consumer and corporation are not part of your consumer report. 
My transaction history for " XXXX XXXX and WELLS FARGO is EXCLUDED from the consumer report. Delete this transaction history from the consumer report or delete the Late Payment or delete the item Marked as Late from my consumer report. If this item is not deleted, you are violating FCRA laws under 15 USC 1681 2a1. How are you reporting this payment as late when clearly it says Under FCRA law it says under the EXCLUSION that a consumers TRANSACTIONS or EXPERIENCES are NOT INCLUDED in the CONSUMER REPORT? WELLS FARGO XXXX XXXX : {$0.00}.
Product: Vehicle loan or lease

Paid off car XX/XX/XXXX requested lien release, XXXX XXXX XXXXXXXX XXXX on 5 times, called ed title dept on XX/XX/XXXX said would be mailed 5-7 days, called XX/XX/XXXX spoke to XXXX, said would have it expedited, should go out XX/XX/XXXX called XX/XX/XXXX was told request was cancelled, spoke ti XXXX XXXX a supervisor she said she would have to research and put in an additional request, total contacts 14 lein release received 0 acct XXXX
Product: Mortgage

We have gone through a lengthy process to either modify our loan or reinstate our loan so that we do not lose our home. During the process, I was working on taking out a loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We laid out a plan for reinstatement. However, obtaining the loan through my business took much longer than expected. We finally have the loan approval, but when we requested the reinstatement amount I found out that our loan was sold to a new loan servicer. The new servicer took over the loan on XX/XX/XXXX. That meant that my request through XXXX XXXX XXXX was not going to get back to me in time. I contacted my new servicer, SN Loan Servicer, and they informed me that they are not able to access my loan information until my information is boarded to their system. I told them about my situation, and they emphasized that they do not have any access to my information and I'm still not in the system. It took them 2 weeks to gain access to my account information. I requested the reinstatement amount be expedited, but they said it can take 3-5 days to do so. In the mean time, the sale date approaches and I am in limbo due to my loan being taken over 18 days before the sale date. 
I have reached out to the attorney representing the trustees and they even made the request to the new loan servicer to postpone the sale, but we have not heard from them yet. 
I have been advised to file a complaint with CFPB to enforce our protection in this situation.
Product: Credit reporting or other personal consumer reports

I sent a picture of my ID and ssn to cfpb to send to them and you all didn't not send it they keep sending me letters telling me to send this information I don't understand whst is going on on making my credit report information rite and checking these companies that keep putting wrong information back and fort on my report I KEEP ASKING YOU ALL FOR HELP AND THESE COMPANIES KEEP SENDING LETTERS SAYING THEY DIDNT RECEIVE MY ID OR SSN THAT I JUST SENT YOU ALL PLEASE SEND THEM A COPY OF MY IINFORMATION ALL 3 6
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The accounts are listed below : 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 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, credit repair services, or other personal consumer reports

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX. It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit  XXXX XXXX that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Product: Credit card or prepaid card

My credit card has been used repeatedly without my permission. Fraudulent charges have come up on my account. People call the house claiming to be representatives that are going help resolve the situation but nothing changes and now one account has gone to collection. Ruining my credit, reputation. And way I supplement my income. I am a XXXX XXXX XXXX man that does travel outside of Georgia. I do mot charge XXXX, dinners, travel hotels apartments. I only made a little over {$17000.00}. I have never been to California. I want this fraud to stop and persons caught. I want this account closed. Reissue another card that cant be scammed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told on a recorded call that the account would be deleted after the balance was paid in full. It has not been deleted.