23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is in reference to my student loans and the current loan amount due. 
I worked as a waitress when I graduated from high school in XX/XX/XXXX and went back to the XXXX XXXX in my state after 10 or more years after high school. I worked full time and attended school nights and earned an XXXX XXXX XXXX and acquired computer skills to apply for a secretarial job. I was encouraged to continue to transfer to a four year college and work towards a XXXX XXXX. At the time I had company reimbursed tuition. I was laid off at the company in XX/XX/XXXX and that is when I borrowed funds to continue my education. It took many more years to finally finish as I worked full time and encountered other company down sizing. I did not find a job right after finishing the four year degree in XX/XX/XXXXand that is when the loan balance grew to what is now an unmanageable debt. I originally borrowed $ XXXX and now owe over $ 90K. A regular payment is {$880.00} which is more than my mortgage and currently on an income based payment which is {$420.00} or so per month. 
This payment structure is interest only and will never in this life time pay this off. I need assistance in being put in harms way due to higher inflationary interest charges at a vulnerable time. This loan is structured to be in forebearance and accrue high interest for a chance to develop experience to apply for a higher paying job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : AT T {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$1500.00}
Product: Debt collection

I paid my balance for my Citi Aavantage card and closed my account. Later I received an email that I missed a payment. When I called in they said that they was a {$27.00} interest charge plus {$90.00} worth of late fees. I asked if the emailed me or mailed me a notification of my balance and they said the information was on my online account. I was no longer checking my online account because I thought my account was closed. The email that was sent said that I missed a payment and did not have any details about the payment. The company refused to refund more that one late fee of {$39.00} dollars. I paid the bill but want to file a complaint because I believe this was completely unfair.
Product: Debt collection

Beginning XXXX of 2020, I was contacted by a debt collector about my XXXX bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have foybd out the company is not part of XXXX XXXX but a separate debt collector ( Gatestone ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed XXXX ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be XXXX and then is not able to be contacted. At this point, I do not know what they are doing with my money.
Product: Vehicle loan or lease

I had put my car in a transmission shop since my vehicle has had a problem since I got it I was told they were going to fix it they gave me rentals told me they will wait 30 days to get parts to have there mechanic fix it and once those days were over they told me they were not fixing it so here I am I took the step to take my vehicle to a transmission shop to get that fix upon myself the mechanic did not fix my vehicle it came back worse and he lied stating he would do payment plans he ended up wanting all the money so I had my bank pick it up I paid my bank that I finance thru XXXX to get car back and now it doesnt even drive I then called the bank they told me they were not responsible for that they just picked up the vehicle to help me so I then called the auto shop the manager said I could bring back the car so he could fix it because I had warranty I then told him okay thats fine he told me he was gon na tow it back to his shop to fix it that being said he never came to get it there for Im without a car and Im in the process of about to have to let my job go as well I just want my car fixed
Product: Credit reporting

There are inquiries on my credit report that do not belong to me. I have not applied for anything since applying for my car in XXXX 2015.
Product: Credit reporting or other personal consumer reports

I am unable to access my online credit report. I have tried many times to contact transunion to fix this problem. I have identified myself everytime Ive called. I'm usual put on hold then a representative will return and tell me the issue is being worked on by their trouble shoot department. It has been very frustrating being treated so unfairly by transunion. They are very quick to process an inquiry. Or report something negative on my report but I'm baffled that their experienced technicians can not correct this problem that is caused by their own system
Product: Checking or savings account

I had a Capital one savings account while I was back in the states in 2021. I would simply like to know if I was supposed to receive form 1099 int or not for 2021. I called capital one and they're unable to help me since they need to send me a text message and as I don't have a US phone number, they're unable to do so.
Product: Debt collection

I have several collection accounts on my credit report from XXXX XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a valid license to collect debt in the state of XXXX XXXX XXXX according to New York Secretary of State. I am requesting that you delete these accounts from all credit bureau agencies immediately due to a non active status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ov er 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

LeasingDesk dba Realpage keeps reporting fraudulent items on my report. It's are showing property debts which do not and have not belonged to me. I provided LeasingDesk with federal affidavits of such and they have failed to remove items. I've also disputed the items as well. It's getting to the point where it's getting redundant. By federal guidelines laid out by FCRA, LeasingDesk not only has violated my consumer rights, they have damaged my consumer file by listing inaccurate information. The listings include that for XXXX dba XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX dba XXXX XXXX, XXXX dba XXXX XXXXXXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the accounts. 

Accounts : XXXX XXXX  {$11000.00} XXXX, XXXX, {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX XXXX and Equifax stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. XXXX, Equifax, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 
These are the tracking numbers USPS XXXX XXXXXXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery Equifax XXXX Results # XXXX
Product: Checking or savings account

On XX/XX/XXXX I went to the XXXX XXXX of Wells Fargo to close all my accounts with them ; one checking account, one savings, and a line of credit, XXXX  XXXX XXXX. I moved money out of all the account and paid all debt in them. The branch told me my accounts were closed after this. Four years later, XX/XX/XXXX, I have a 1099 tax document giving me the amount of interest one of my accounts has accrued for the fiscal year XXXX, {$16.00}. 
I went to this same branch on XX/XX/XXXX and asked them about this document. The teller said it was a 1099. When I explained that I had closed all my accounts, the manager told me it may be another account associated with a different credit card, or other line of credit. They did not inform me what account it was, they ran my information ( name, SSN ) and couldn't tell me. The manager told me to contact their customer service hotline. XXXX, but this would eat through all my free time and I do not trust this bank.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XX/XX/XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX
Product: Prepaid card

On XXXX XXXX i filed for additional compensation for financial harm that i suffered from not being able to access funds and i was evicted fom my home for failure to pay rent in XXXX XXXX of XXXX XXXX XXXX XXXX on XX/XX/XXXX. This also caused me to place my personal property into a storage facility which was later also lost and my personal property and tools for inability to pay the rent also a result of inability to access my account. The Bank of XXXX  XXXX Request Administrator, XXXX XXXX, determined that my Impact Period in which I was affected was XX/XX/XXXX thru XXXX XXXX. The Eviction I suffered was Definitely well within the Impact Period. I provided photos of the original FILED stamped documents from the Court clearly showing me documents that it says will be accepted which includes XXXX  Day Pay or Quit notice, Eviction- Unlawful Detainer, Prejudgment Right of Possession , etcetera. However, when i submitted the documents and also receipts from the storage rental fees and moving truck rental receipt, all within the Impact Period determined by Bank of America but the response i received after submitting my proof of Eviction and storage fees was that after reviewing the documents it was determined that i failed to show evidence of financial harm suffered during the Impact Period and that my request was denied. I suffered approximately {$16000.00} in financial harm. The check i received was for only {$7900.00}. Well below the amount of my loss. 
I feel the reviewing authority has either made a mistake or i have been unlawfully denied my request possibly from the use of fraud filters that may have been used. I was told that i coud NOT submit any documents previously submitted. If the documents submitted are Court Documents and they are not accepting them i have to assume they are deliberately and unjustly refusing my claim intent to deny my right to be afforded '' reasonable review and investigation " and Procedural Due Process of law. I fear that i have been wrongfully denied my request for additional compensation and i Respectfully request this office to help preserve the integrity of the Reviewing Authority and procedures to be followed by the financial institutions of our Great Nation and protect the rights of Consumers equally. Im sure that if the documents I submitted are reviewed by this Regulatory Authority it will be found that what i have explained in this Complaint is true and factual and the Court Documents are accurate and True.
Product: Credit card or prepaid card

Bank of America XXXX XXXX XXXX This card doesn't provide any option to receive statement via mail nor email. It doesn't provide any option to set up automatic payment. It doesn't provide any option to receive notification on balance due or late fee in any form. The only way one knows how much is due or if there is a fee is by logging in the website to check monthly. 

Bank of America obviously have all the above options set up for their other products. This isn't a technology issue. What credit card wouldn't want to give consumers an option to automatically pay them except those who want to get late fees and interest hoping consumers won't notice there is balance due. The only reason the XXXX XXXX XXXX is set up this way is to set consumers up for late fees Bank of America can collect. This practice is predatory. 

Late fee of {$35.00} charged on XX/XX/2023.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX XXXX XXXX Pa XXXX Home : XXXX Cell : XXXX WELLS FARGO I have used this Wells Fargo website since XXXX when I bought this house for XXXX yrs. My mortgage monthly payments go through this website for more than XXXX yrs. It is by direct debit from my bank account at XXXX XXXX. I often check my statement when I have a chance or when Im not working. 


I always make a monthly payment of {$4600.00} which satisfies interest as well as principal on the XXXX of each month. However, while the payment shows up as {$4600.00} on XXXX XXXX records, XXXX XXXX  shows that {$5200.00} has been withdrawn monthly, from Wells Fargo, without my consent or knowledge. I have no idea where the extra money is going because it doesnt show up on Wells Fargos records.

Additionally, for the last 5 yrs I have paid extra payment to the principal, {$2000.00} to {$5000.00} each month. This has been encouraged by various Wells Fargo staff whenever I asked them. My understanding is when the principal reduces the interest must be reduced as well. To my surprise, because of Wells Fargos structure it is not that so. 


In the past, Wells Fargo added to my mortgage extra payments for XXXX XXXX, and later on accident and life insurance, without my knowledge nor agreement.I found out about one year later and talked to them about that, but Wells Fargo denied they did this. Later on, I made the official complaint to the Consumer Protection Agency. I did not get the money deducted from my account which is about {$560.00} plus interest for this period. 

Recently, although I have been fully insured for my home with XXXX and XXXX, Wells Fargo accused me of not insuring my home and they paid their own insurance which is more expensive and I had to deal with them for several months. Even now, in their statement the home insurance is still included and I dont know what happened with that. On top of this, Wells Fargo has added hazard payments of {$800.00} every month for about a year. It is an addition to my monthly mortgage payment. 


Wells Fargo deducted from my account hazard policy from XX/XX/XXXX up to now which amounting to {$6500.00}, probably more than that now. They never refunded me back. 


From XX/XX/XXXX {$400.00} extra principal payment XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} These are according to my record from Wells Fargo website. My thinking is if I pay into principal, interest should be automatically reduced. 

According to Wells Fargo it is not that so. 


XXXX XXXX XXXX on XX/XX/XXXX urged the Federal Reserve to break up Wells Fargo, arguing a string of scandals at the financial titan puts consumer at risk. 

I am XXXX of the consumers a string of false statement and lying put me and other consumers at risk. 
Sincerely , XXXX XXXX XXXX XXXX MD
Product: Debt collection

Enhanced recovery Col was attempting to collect for XXXX which I disputed. I informed them I did not agree with the amount but they were only interested in collecting the debt. They called and bothered me excessively but ignored my disputes which I later found out was a violation of FDCPA Section 807 ( 8 ). It was impacting my ability to rent housing so I caved in to them when they promised to delete the debt if I settled it for a lump sum. I paid the debt and they did not delete it and continue to inaccurately report it even after coerced settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 its also states a consumer reporting agency can not furnish an 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 following items of information Any other adverse 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: Credit reporting, credit repair services, or other personal consumer reports

I made my mortgage payment to XXXX XXXX on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.
Product: Credit reporting

Response was " consumer disputes after investigation '' No change. 
several of my accounts held by XXXX XXXX ( Student loan servicer ) On XX/XX/2016 I received a response from XXXX XXXX that they would make corrections to my CR with the application of a retroactive hardship. XX/XX/2016 the information updated and corrected via XXXX and XXXX, Unfortunately not with Equifax. XX/XX/XXXX I disputed the information only to receive the response above ( makes me question their investigation ). 
I wish to make a formal complaint and supply a copy of the letter received from XXXX XXXX ( Also supplied to Equifax ) and a screen shot of one of the same account XXXX VS Equifax. 
XXXX is the servicer on several loans and none of them have been updated with Equifax. They are all reporting the same error! I am requesting correction or removal of the Trade lines. I have every intent to seek legal assistance to recuperate the cost of higher interest payments, deformation, and missed opportunities at securing credit due to their errors. Please Contact Borrower XXXX Department by phone at ( XXXX ) XXXX, or by email at XXXXXXXXXXXX If Validity of email is a question! 

US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX  XXXX XXXX Balance : {$25.00}