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

I was charged several charges from the same vendor within minutes for thousand of dollars. I let the credit card company know right away. They suggested I wait till I get my statement and then call and dispute. I did so and they have a me a conditional credit. They later on sent me a letter stating they could reverse the credit unless I reach out to the vendor and seek credit. I did so the vendor said the charges were canceled. I sent the information to the credit cared company with the name of the vendor agent and ID number. 
The credit company waited for yet some weeks and informed me that the vendor did not issue credit. The credit card company told me that there was a third party involved we are in they should be contacted in seeking credit I asked him if we could reach out to the third-party. The credit card company and myself tried to reach the third-party and after a couple hours after failing gave up and the credit card company asked me to seek credit from the third-party even though we could not reach them over the phone. I tried and tried and finally was able to reach an agent through a chat live chat from the website the third-party company looked into my account and said I should not have been charged and I should go back to the financial institution or my credit card company and get credit I recorded and took pictures of all all the chats and send it to my credit card company I have called my credit card company several times and they said it the charges have been reversed and that I would still be responsible. I told my credit card company I have not authorized charged or used for services that have been charged on my account for which I do not take responsibility and do not agree to pay these they said youre gon na have to fight for it but without any directions or anything else from them I spent a lot of time calling credit card company Several times writing letters and contacting merchants and doing as they suggested they do not have any other directions for me and I still yet not willing to give me credit for something I did not charge so I see Help
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Open all attach
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Mortgage has not reported data to XXXX since XX/XX/XXXX and as of XX/XX/XXXX the mortgage now shows closed. The mortgage is open, still with Wells Fargo, it has not transferred to another lender and has been paid and in good standing since ownership of the primary residence. I have filed multiple disputes with XXXX as well as reached out to Wells Fargo Mortgage. At this point my credit score is being affected. As of now Wells Fargo shows no data reported to XXXX XXXX XXXX and XXXX XXXX. The account status is incorrect as this account is open ( it also shows open in XXXX and XXXX ) and the total mortgage balance is incorrect.
Product: Student loan

I have all of my student loans with Aidvantage. On XX/XX/XXXX I signed up for Auto pay and received an email confirming that they had received my auto pay request. Then on XX/XX/XXXX I submitted a payment of {$500.00} to pay for my balance and some extra principal interest. I received an email stating " This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : XXXX Amount : {$500.00} Scheduled for : XX/XX/XXXX '' Then on XX/XX/XXXX I received a separate email stating : " Your recent payment has posted. 

Date Posted : XX/XX/XXXX Payment Amount : {$500.00} '' I then went on to receive XXXX emails redirecting me to my inbox with letters stating that my payments were rejected. " Your recent payment in the amount of $ XXXX was rejected by your bank because : NO ACCOUNT / UNABLE TO LOCATE ACCOUNT " So I submitted another payment for {$500.00} and the same cycle of events happened. I then called the number listed on their website ad spoke with a representative. They notified me that their system was experiencing difficulties and that they may have issues on their end. They suggested that I try submitting the payment again. So I did submit another payment and it still got reversed.
Product: Debt collection

Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with XXXX for a car I co-signed with my son. He went on to explain to me since I have a current car with XXXX, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current XXXX account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/19 something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a fraud alert on my account. I asked them to remove it after sending out letters and they have had more than 70 days to remove them and still failed to do so. I followed up with a call the representative was in fact very rude and insisted i send them the paperwork all over again which ive done twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with XXXX credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with XXXX 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

Back in the fourth quarter of 2021 I applied with Mr. Copper mortgage company to have my Private Mortgage Insurance ( PMI ) removed from my loan. I was told that I would need to pay for an appraisal of the property at XXXX XXXX XXXX XXXX XXXX, Mo. XXXX. 
I agreed to this and they said they would have the appraiser contact me, I setup a meet with my tenant and the appraisal was done. After more than six weeks I called Mr. Copper and they said the appraiser did not turn in the paperwork. 
I asked what were they doing to contact the person, because I knew from my tenant that he had performed the job, and this was the second time I had ordered an appraiser on this property to get the PMI taken off. Finally I called XXXX XXXX customer service and they got it taken off and said it would be effective XXXX XXXX. I called Mr Copper and told them I was sending {$630.00} because XXXX XXXX said my PMI was no longer needed. Mr. Copper sent me a letter saying that my PMI in the amount of XXXX had been removed this letter was dated XX/XX/2021. I sent Mr. Copper payment for the amount of {$630.00} for the XX/XX/2021 payment which I showed it would be with the {$57.00} removed. Then they raised my XXXX payment to {$740.00} and then they corrected that after they ran an escrow review and said my XXXX payment would be XXXX for a {$21.00} increase of my taxes insurance stayed the same. I paid the shortage amount in a separate check {$250.00} thinking it would keep my payment the same, but it only decreased it to {$640.00} I was told I would have to wait until next XXXX. I requested to do my own Escrow and was told I do not have enough equity in the house to do my own escrow, but had enough to remove my PMI? They also said I could not because there had been lender placed insurance on this property. Please examine the paperwork that I am including.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report several times and 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either Experian, XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello Experian, Im writing this letter to dispute your dispute findings for XXXX XXXX  XXXX account # XXXX that I recently disputed through Experian online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without Experian or XXXX XXXX XXXX  updating and reporting the account accurately which is required under FCRA Law. 
Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against Experian for refusing to report this account accurately. 

Please review the documentation included with this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to Experian refuse to delete account per a legal settlement agreement in California
Product: Credit reporting or other personal consumer reports

My federal student loans through XXXX were forgiven XX/XX/XXXX  but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX  ), # XXXX ( XXXX ( Original Creditor : XXXX XXXX XXXX, # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX ) ; has violated my rights under sections. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/23 - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX  XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX  - XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I paid off a student loan in XXXX. I received a payment confirmation from the company on XX/XX/year>. The money was taken out of my bank account on XX/XX/year>. As of this very moment, the loan is not reflecting the money I used to pay it off. I can't find any record of the {$1500.00} payment I paid Mohela. Where did my money go? I have not gotten a response. I am accumulating interest on a loan that should be paid off. When I reached out through their online messaging system, it was stated there should be " cancellation payment '' with an effective date of XX/XX/year>. There are no transactions on that date. There are no transactions that say " cancellation payment ''. Mohela took money from me, but is not reflecting it in my account. I can not get a hold of anyone on the phone. They won't acknowledge any additional electronic messages I try to send their way. They advise me to call, but calling is not getting me anywhere.
Product: Debt collection

Was contacted on XX/XX/XXXX about a debt from XX/XX/XXXX. Was threaten to be sued over debt that I thought was resolved. Was very aggressive over the phone and attempted to immediately take payment. I agreed to review a payment plan to get off the phone. Called again XX/XX/XXXX and XX/XX/XXXX attempting to collect. I did not answer these times and saved the voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER CONSUMER U XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been in the middle of loss mitigation with  Bank of America but  they have filed a foreclosure lawsuit on me on   XXXX   XXXX   XXXX    . Please find the attachment with my complaint and supporting documents.
Product: Credit reporting or other personal consumer reports

I sent certified mail to cease and desist letter was sent to creditor with no response and the credit bureaus have refused to remove an item from your credit report. Company continues to contact me via email and phone.
Product: Mortgage

THESE EACH TIME I I TRY TO MAKE A PAMENT THEY TELL ME MY PLAN IS CANCELED. AFTER A HUGE EFFORT BY ME AND A LOSS MITAGATION XXXX NAMED XXXX ACCETED PAYMENTS IN XXXX AND XXXX AND ASSURED ME I WOUKLD NOT HAVE ANYMORE POBLEMS. BUT HERE WE ARE YESTERDAY XX/XX/2022 TRIED TO MAKE PAYMENT BY PHONE ON TWO OCCASINS NEITHER AGENT WOULD HELP ME OR TAKE PAYMENT. I NEED GOVERMENT AGENCY TO INVESTAGATE MY CLAIM AND HELP ME WITH THIS COMPANY TO BE MORE CONSISTANT AS MY DEPT CONTINUES TO RISE " PRINCIPAL BALANCE ON THIS LOAN WAS XXXX DOLLARS WHEN THE TOOK OVER THIS LOAN FROM XXXX XXXX. WITH XXXX DOLLARS IN DISPUTED LATE CHARGES. I CANT SEEM TO PLEASE THESE PEOPLE. PLEASE FILE MY COMPLAINT
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.