23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I've been with credit acceptance since XX/XX/XXXX XXXXCredit acceptance is refusing to report my account info. Correctly. I made a {$640.00} payment on XXXX. The XXXX  2025, which brought my account balance down to {$670.00} credit Acceptance is reporting that before I made the payment and after I made that payment That the balance, is still {$1300.00}. They're only reporting to all the credit bureau I made one payment in XXXX of a {$100.00} and they won't report to the credit bureau correctly even when I make fresh disputes All they have to do is verify the information on my account and the balance and they won't do that.They won't even show correct payments that I even made a {$640.00} payment They want me to fill out their dispute form and send them copies of all my credit bureau reports and send it back to them. When all they have to do is verify the info on the account correctly and they're not doing that When you get a fresh dispute all you have to do is send them the updated info on the account and they refuse to do that.
Product: Mortgage

In  XXXX   XXXX  we received the first piece of communication, in some 4 years, fro m SLS ( S  pecialized Loan Servicing ) r egarding our second mortgage on our home, stating that we were approximately {$6000.00} in arrears, demanding payment or foreclosure proceedings would be initiated. We had diligently made every payment to this servicing company that had taken over our second mortgage, even though they refused to communicate with us since  XXXX  of  XXXX , when we had been forced to file personal bankruptcy. We made call after call to SLS to try and determine what was going on but they refused to speak with us and finally we were forced to have our bankruptcy attorney call, at which time they advised us that the loan had reach a point of re-amortization in  XXXX   XXXX , and the payment had changed from {$250.00} to {$820.00} per month. In any case we paid the arrears amount immediately and began looking to refinance our mortgage. SLS unfortunately has taken this opportunity to report erroneous negative information on our credit report and to other mortgage lenders seeking a payment history. We strongly assert that we did not receive any notice of changes to our mortgage payment leading up to the  XXXX   XXXX  change, nor did we receive a single notice of a shortage from  XXXX   XXXX  - XXXX   XXXX . I ca n't see any reason why we should be penalized when SLS clearly did not follow the law regarding a change notice, nor did they make any attempt to contact us when they saw we were making the same payment we had for the last 10 years, instead of the re-amortized payment amount.   I asked SLS today why they did not send us any notifications, and they state that they did, on  3  occasions. I am old school. I read the newspaper ever day. I read all of my mail every day. I know that it is not possible that SLS could have s ent 3 notices and I would not have seen any 1 of the m. Our phone number has been the same since we bought this house as well. We have not received a single phone call or message from SLS regarding this or any other matter. I asked if any of their communication was sent as registered mail, and of course their answer was no. We received no communication and no documentation, period.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquires that I did not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Student loan

During pandemic, XXXX XXXX financial aid office did not advise students to apply for federal loans and encoursged students to sign ECSI health profession loans without clarifying the terms and conditions. This lead me to borrow XXXX $ per year for the four years I attended XXXX XXXX. Only in 2021, they made students sign electronic master promissory note that indicated this is institutional loan ( private loans ). This was XXXX $ instead of XXXX $ they offered each year. Other master promissory papers signed were expired and the school financial aid counselors did not help or clarify. They just advertised for this loan and placed on students accounts.Today, I have a total of XXXX $ XXXX loans with ECSI. ECSI customer service are not knowledgeable or trained and they are unable to clarify the loan type and deferment options. They do not give the phone to their supervisors either after I request. ECSI gave me multiple different wrong information stating my XXXX loan with them is XXXX, indirect loan and they also claim to be PRIVATE more recently and they are threatening with COLLECTION AGENCY without clarifying my loan type and my options to me. It is also very suspicious how they have federal terms apply to my loans and the use of federal forms when referring to my loan with them but all of a sudden stating they are strictly private and they threaten my academics, and my credit and etc. PLEASE KINDLY CONSIDER HELPING ME WITH ECSI. THEY ARE CAUSING ME GREAT DISTRESS THREATENING WITH COLLECTION AGENCY. THANK YOU FOR CONSIDERING HELPING ME DEAL WITH ECSI. 

Best regards, XXXX XXXX
Product: Credit card

The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.
Product: Credit card or prepaid card

I recieved a adverse action via email from CONNS XXXX INCXXXX @ XXXX PM. I am the natural person, consumer, original creditor I can not be denied my own extention of own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION continues to provide information to CRAs that is not reflected on Master Promissory Note nor reflects dates of schooling.
Product: Money transfers

I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting or other personal consumer reports

I am writing this letter to request a dispute on several hard inquiries that have appeared in my credit report. The hard inquiries listed are as the follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. 
However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX  I sent the wrong individual {$500.00} using my Venmo account. Her name was XXXX XXXX and there were several people with that name. I did pay the correct XXXX XXXX moments later. The username of the wrong XXXX XXXX is @ XXXX. The correct XXXX XXXX that I paid is @ XXXX. My account username is @ XXXX. I sent the wrong individual a refund request but they did not answer or refund me. Venmo, which is owned by PayPal, does not provide adequate customer support. They claim they will assist in recovering my money but have not done so. There is no way to contact them outside of email. 

If a bank inadvertently deposits money into my account or if I do the same, they provide recourse. Venmo and PayPal are banks and should do the same.
Product: Credit reporting or other personal consumer reports

Hello, i'm contacting you about my issue with XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX i received multiple fraud charges that made me go into the negative. I reported this to XXXX XXXX XXXX XXXX. It took XXXX days and when I came back, they said they could not prove it was me and could not prove it wasn't me, so they're keeping the charges. I told him I refused to pay fraud charges. The pure factor that they couldn't prove it. Was me because it wasn't proves that it was fraud charges. This has been affecting my credit for years.It affects the loans I can get.I get denied because of it. I need this taken off my credit report completely. As this was fraud, and this was unfair to tank my credit when they were fraud charges, and it's affecting my life years and years later. I've reported this to transunion XXXX XXXX and XXXX both have denied. 
My dispute. According to my new bank that I'm trying to get along for it, says on my credit report that I'm aware of the charges and I'm paying {$39.00} a month to them. However, I don't even know what debt collector has it the total is XXXX. It's been years.This should be off my credit report and no longer affecting my life. These were fraud charges, and they didn't even do a proper investigation. Even if I decided to pay the fraud charges, I don't even know what that collector has it. This is gone long enough, affecting my life.
Product: Student loan

Since XX/XX/XXXX, I have made a payment every single month. I have spoken with a representative and they advised me to call in the next month to make another payment as a payment plan was not available. Even though that is the conditions they set with me, they call and harass me and my family every single month. Last night, they ( a guy named XXXX ) left a message at my work that everyone heard. This is ridiculous and needs to stop. I don't have a lot of money, but I make payments every month. This kind of harassment should be illegal and make me beyond angry. I will try find another option this year for my student loan repayment. This company crushes your soul and isn't satisfied until you're destitute, and your family has nothing. I am convinced they would take the clothes off your back if given the chance. Stop the harassment.
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 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.
Product: Mortgage

For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for XX/XX/XXXX and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since XX/XX/XXXX : 1 ) XX/XX/2017- I spoke with " XXXX? '' SLS needs my son 's pay stubs. ; 2 ) XX/XX/2017 - I fax son 's pay stubs ; 3 ) XX/XX/2017 - I spoke with " XXXX '' at SLS, she claimed no record of son 's pay stubs ; 4 ) XX/XX/2017 - I spoke with " XXXX '' at SLS states that they have received my son 's pay stubs ; 5 ) XX/XX/2017- I called SLS and asked for " XXXX '' about a letter that I received from SLS on XX/XX/2017. XXXX later returned my phone and indicated that now I needed proof of residency for my son ; XX/XX/2017- I faxed to SLS XXXX of my son 's pay stubs, his driver 's license and XXXX form ; XX/XX/2017 - Spoke with XXXX at SLS and she confirmed that the documents that I faxed on XX/XX/2017 were received by SLS. My loan modification application is on review. 
XX/XX/2017 - XXXX at SLS called asking for son 's last XXXX pay stubs ; XX/XX/2017 - I faxed my son 's pay stubs per XXXX request of the day before ; XX/XX/2017 - I called SLS to check on the loan modification, I was told that I had a new point of contact " XXXX ''. The application was on review ; XX/XX/2017 - Spoke with XXXX at SLS - She indicated that review on modification takes 30 days ; XX/XX/2017 - Received several calls from SLS to my home and cell phones while I was at work. I later returned the message and spoke with a " XXXX '' at SLS. XXXX now wanted that I send a new Social Security award letter, XXXX recent bank statements showing a child support deposit ; food stamps letter. She also said that I should send a new modification application ; XX/XX/2017 - I spoke with " XXXX '' at SLS for a status. She said that my documents were received on XX/XX/2017, but I believe were not uploaded until XX/XX/2017. 
XX/XX/2017 - I received, incredibly, a letter form SLS, dated XX/XX/2017 ( attached ), that my application for " assistance '' is denied because my request ( presumably the application that I was instructed to submit by SLS ) was received too close to the pending foreclosure date. 
I think is unfair for SLS to continue the process of foreclosure based on the above facts. I have done everything asked and provided to SLS whatever document requested despite my duplication of effort.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to experience website seeking to get an up date on my credit report I entered all my information that their website ask for and once I gave the that they pulled up something that had nothing to do with what I was looking for it didnt show me my score in the reviews it said that if you dont join them they will drop your score if this is true I want to file a complaint due to scam Im not interested in joining their monthly reporting this web site is a scam
Product: Credit card or prepaid card

Synchrony bank reduced the limit on my GAP Visa card from {$20000.00} to {$1000.00} without any notice. I never received any letter from them, I just realized upon randomly checking my credit report. I contacted them and asked my limit to be put back to {$20000.00} as it used to be. They only approved me for {$10000.00} even when my credit is excellent with very low utilization and excellent payment history. This is the way I get treated by Synchrony bank after being a customer for so many years. Nobody gave me an explanation.
Product: Money transfer, virtual currency, or money service

At XXXX pm on Friday XX/XX/ I received a phone call from an unknown number ( XXXX ) .Caller said he was from some dept. at XXXX and noticed strange activity on my Wells Fargo checking account.He had me open my XXXX, then HE downloaded an app " XXXX '' onto my computer as well as my XXXX.As soon as I hung up, I saw that a wire transfer was made from my checking account for {$5400.00} without my knowledge or consent. 
I took me a long time to delete this app. At XXXX I reported this to Wells Fargo XXXX they closed my account, and opened new one. They saw the wire transfer had gone to XXXX, and said they put in a request to rescind this transfer but said they are not hopeful.I was able to then check my emails and texts, all from Wells Fargo, asking me to sign on to my account and verify my mobile number.They then provided an Advanced Access Code to hacker and allowed him to add his name, XXXX XXXX XXXX XXXX XXXX XXXX, as an online wire transfer recipient.Other notifications were sent confirming that a wire transfer was made from my checking account. Wells Fargo apparently using XXXX to make wire transfers using mobile phone number.I am somewhat elderly, and this has rattled me very much!!!! My bank said they reached out to XXXX within a few hours, but claims they are not responsible to see that I am reimbursed.I have the times, date, texts, and emails I received from hacker and Wells Fargo if you need them. 
I have banked with WF for many years... I did not know they use XXXX automatically as I never would have agreed to this. They stated that the bank is not responsible financially for this fraudulent wire transfer, so unless XXXX returns my money, I will lose a lot of money, which I can not afford. Can younplease help? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, amount of {$470.00}. I have disputed this account with Experian, XXXX and XXXX as does not belong to me. XXXX and XXXX has removed this account from my credit report and Experian has not. I have contacted Experian and disputed this with Experian and have ask Experian to dispute this account and remove it as it does not belong to me. I also have sent XXXX XXXX a debt validation and XXXX XXXX has not responded at all.