23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, Experian, and XXXX  to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, from my checking account at Wells Fargo, I sent {$1000.00} to my daughter via XXXX. The money was never received. I filed a claim with Wells Fargo and I was given a claim number. Few days later, I received a letter stating that the money was sent and received by the recipient, hence the case was closed. I reached out to them again demanding proof, and I was informed my daughter 's phone number was incorrectly input. I requested info about such, and I was told they could not disclose that info. I asserted that when I entered my daughter 's phone number, her name popped up which was also confirmed in the debit entry but to avail.
Product: Student loan

I have made XXXX payments to MOHELA for my student loans that have yet to be posted to my account, which means I am accruing interest on money that has already been paid. The XXXX  payment of {$500.00} was made on XX/XX/year> ( XXXX  days ago ), and the XXXX  payment of {$500.00} was made on XX/XX/year> ( 187 days ago ). I have called numerous times, and the representative can " see '' my payments but can not do anything other than submit a request for the accounting department to review my payment. The standard response I get every time I call is to " Please allow up to XXXX  days for payments to post. '' We are well past the XXXX mark, and I continue to get the same response every time I call. Yesterday, I called and got the same response but asked for a refund of those payments so I could resubmit them. They said they could not refund the money until they " located '' the payments. What do you mean by " locate '' the payment? You have told me you can see I made the payment, and I have provided bank statements where it has been withdrawn from my account. I am so over this and want it resolved. I have spent too much time on hold with MOHELA to continue getting bogus answers.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, XXXX HAVE CONSISTENTLY REPORTED INACCURATE NAMES AND ADDRESSES. HERE ARE THE FOLLOWING INACCURACIES THAT ARE STILL SHOWING ON MY REPORT : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

On XX/XX/XXXX, Jefferson Capital Systems opened a collections account for a debt that they claimed I owed for an old phone bill. Several agencies have attempted to collect this debt in the past, and each time I have requested a copy of the contract to verify the debt. When Jefferson Capital first contacted me, I replied to their request on their website, disputing the validity of the debt and requesting a copy of the contract. They provided nothing in response but instead have added the account to my credit report at all three of the major bureaus. I have disputed the entries with those bureaus, but each time Jefferson has " verified '' the accuracy of the information with them and the items remain on the reports. 

On or around XX/XX/XXXX I called Jefferson Capital to request that the items either be verified properly or removed and again I have received no response. 

Jefferson Capital is refusing to provide proper verification of this debt and as such should be required to cease its collections efforts and remove the offending items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed XXXX to report that my closed account ( of 6 years 7months ) was recently late. This has caused my payment history ( 35 % of fico ) to go from Good to Fair.

This report is unlawful because this account hasnt been opened for 6 years and 7 months. 

This account is scheduled to be deleted from my report in XXXX ( approx 5 months ) why is XXXX now reporting the account as late when I filed for bankruptcy in 2016.
Product: Credit card or prepaid card

Knowing my rights as a consumer Capital One has continued to harass and try and force me into paying a debt, along with involving third parties to invade my privacy and consumer rights while trying to damage my annual credit report with false accusations and I will not stand for it at all. 15 usc 1691a ( e ) and ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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
Product: Student loan

I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.
Product: Credit reporting or other personal consumer reports

Moneylion company is reporting false information this account was opened fraudulently XXXX and XXXX already removed this account from my credit report but they are still reporting to XXXX please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened XXXX XXXX Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Good Day, Im using paypal for my online business and my account XXXX opened in XX/XX/2022 and has been permanently limited and I have funds of XXXX XXXX stuck. I hope my account will be back so that I can withdraw my money. thank yoy for helping. 

XXXX XXXX
Product: Mortgage

Due to Hurricane  XXXX in XX/XX/XXXX, we were granted a 6month deferment thru XX/XX/XXXX with LC. 

However in the interim : ( 1 ) they have reported us negatively to all 3 Credit Bureaus - after saying we wont receive delinquent fees or reporting ; ( 2 ) they have yet to provide us with an itemized payment report per XXXX XXXX, a Supervisor, stated he was going to mail that report ; and ( 3 ) The ENTIRE STAFF is ALWAYS rude, condescending, impatient, & unknowledgeable of the status of our modification. 

We have resumed our monthly payments & cleared 4 of the 6 payments in arrears. But when we call in with questions, we are consistently told that we must speak w/a Rep from the Loss Mitigation Dept. - but good luck w/that! No one can tell us " who '' our Rep is & when we are given a contact name, that contact is constantly reassigned so we are never clear " who '' is our current point of contact. That person NEVERS returns messages either emailed or verbally left w/the Customer Service & Collections Depts. XXXX XXXX in the Underwriting Dept. was supposed to call us regarding the status of our modification it never happened! 

Our monthly payment amount has fluctuated via a written statement & via verbally told by a Rep. The only explanation provided was, " disregard that statement - you will get a new payment amount when the underwriter completes your modification. '' Currently, we are unable to access our account online XXXXdue to this supposed " modification process '' - but guess what LC, WE HAVE BEEN TRYING TO PAY THE 2 ARREARAGE PAYMENTS!!! This process has taken forever, so we dont want nor need your modification with only a {$4.00} reduction in monthly payment!!!

After experiencing Hurricane XXXX & hearing the recording that said LC was here to help - we do not feel valued as their new consumer nor do we receive respect from ANY of their employees ( employee # XXXX on XXXX @ XXXX CST ) when we call in. This includes extremely rude supervisors, such as XXXX XXXX that shouted @ me on XX/XX/XXXX @  XXXX CST. We have even had employees disconnect the call, after we have asked to speak w/a supervisor. 

Again, LC is attempting to collect a debt well, we have been attempting to pay a debt - but since our initial phone call in XX/XX/XXXX after Hurricane XXXX, we have had the worst experience ever with a company who holds the  mortgage on our largest asset. YOUR ORGANIZATION SHOULD TAKE A CHAPTER FROM XXXX & CLOSE FOR AN AFTERNOON TO PROVIDE PROFESSIONAL, COURTEOUS & EDUCATIONAL TRAINING.
Product: Checking or savings account

Neither my XXXX or I were notified that our XXXX was being transferred to another company. We were never told, before or after, where our money was transferred to. Customer service was XXXX. Never apologized to. Closed my accounts after XXXX years. Wife closed her accounts also. Closed my credit card account and both of hers. Very disappointed in company and how we were treated.
Product: Vehicle loan or lease

I went with my sister and brother in law to buy XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I went in as after they we denied loan to act as a reference and the loan was placed in my name and my brother in law as a second signer because my income wass greater. 
I now run my business and it's absolutely effecting my credit. 
U have explained to XXXX XXXX loan but there is noting that can be done.I NEVER received details of amounts of loan, APR or terms.
Product: Debt collection

I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING i sent TWO certified leftters already asking for proof that these accounts are mine only thing they send back is that that they have updated the information and all accounts are verified both transunion and XXXX are ignoring my request for proof that these accounts are actully mine. Also keep reporting inaccurate information from account opened dates till the actual account number and more. I attached most resent results they continue to keep sending me after keep waiting XXXX days for them to finish with results. Both letters i sent copy off my drivers license and social security card and got it notarized but keep asking me to send it over and over. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified with NO PROOF of VERIFICATION items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly but never showed who verified these accounts? You have NOT provided me a copy of ANY original documentation of contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These accounts again I ask to be deleted immediately from my report XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a preapproved loan/letter from XXXX XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm running into issues that appear to be blatant credit discrimination. I am a XXXX  with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the negative account listed on my credit report, as per the bureau 's records. 

I recently obtained a copy of my credit report and was XXXX to find several negative account listed. Upon reviewing the information provided by the bureau, I discovered discrepancies and inaccuracies that warrant immediate attention. 

This situation has caused significant distress and hardship, as it affects my ability to secure credit, loans, and other financial services. Therefore, I am seeking the intervention to ensure that these discrepancies are thoroughly investigated and rectified in a timely manner. 

I request that you conduct a comprehensive review of this matter and take appropriate action to correct the inaccuracy listed on my credit report. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these discrepancies. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance Owed : {$10000.00}.
Product: Payday loan, title loan, or personal loan

Someone tried to get a loan using my name at USAA. Fraud. It was not me.
Product: Student loan

I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FCO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX