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

I have a car lease with XXXX XXXX XXXX XXXX  XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with Trans Union. 

On my XXXX regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.
Product: Credit card

There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.
Product: Credit card

On XX/XX/, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial charged extra over the years for services I didnt need. Interest rates too high
Product: Credit reporting

In XXXX XXXX I disputed account # XXXX from creditors XXXX and XXXX XXXX in the amount of {$730.00}. Transunion completed the investigation and updated my report with the result of the account belonging to me in XXXX XXXX. I have contacted Transunion, XXXX, and XXXX XXXX concerning the details of account # XXXX and how it supposedly belongs to me. The account does not belong to me and it has plagued my credit report for several years. I spoke with Transunion 's customer service concerning the investigation process because the account does not belong to me and I have never received any billing for this account. Transunion customer service explained that they contacted the creditor through XXXX and XXXX XXXX responded that the debt belonged to me but outside of that they were unaware of any investigation or how the information allegedly belonged to me. Transunion continues to report the creditor and the negative information but there has been no reasonable investigation to confirm the account belongs to me. Between XXXX to XXXX XXXX XXXX negatively reported an account in a similar amount that did not belong to me. I had the account and XXXX XXXX removed from my credit reports but it appears that they have re-aged fraudulent debt and used a different account number in order to collect on a debt that does not belong to me. 
Transunion also reports account # XXXX from XXXX XXXX XXXX in the amount of {$900.00}. I contacted the creditor and based on my conversation with the creditor debt belongs to a male in XXXX Tn at address XXXX XXXX XXXX. The debt does not belong to me I am a single unmarried female living in Georgia. XXXX XXXX XXXX admitted that they only have partial information and the services rendered for the account belong to man. 
Transunion also reports account # XXXX from XXXX XXXX in the amount of {$1300.00}. This debt and creditor has also been regularly reporting negative information which also belongs to a resident at XXXX XXXX XXXX XXXX Tn. 
These accounts have some how been transposed to my credit but none of these accounts belong to me and no reasonable investigation has been completed by Transunion or these alleged creditors to assert that these debts belong to me. I want these creditors and debts removed from report. I would like Transunion to conduct a reasonable investigation instead of just taking the word of creditors through XXXX. My credit has suffered significantly due to the Transunion 's failure to conduct a reasonable investigation.
Product: Mortgage

Flagstar Bank is who my mortgage is through. I was supposed to have a Covid loan modification done in accordance with the CARES Act. I completed all of the requirements including making a higher modified payment amount and have been told that my loan modification is in underwriting waiting to close for the last 5 months. I found out today ( XX/XX/XXXX ) that it is not in underwriting and that they have been marking my loan as delinquent since XX/XX/XXXX because my documents were received too late. I was initially told that I was missing the suffix from my legal name in a signature and they were sending back new documents to sign. They were returned via XXXX the day after i received them. I have called more than 20 times checking the status and not until today have I found out an accurate status. The escalation specialist " XXXX XXXX, Employee # XXXX '' said he would put the process in motion to get this corrected. I honestly feel as if Flagstar is making an effort to take my home from me. And considering the massive fraud they committed and were convicted for in XXXX, it wouldn't surprise me.
Product: Checking or savings account

I received an email notification that my account had reached XXXX balance. I went to a branch and made a cash deposit, and told the cashier it needed to post on the same day. Wells Fargo didn't post it until the next day. 

In my online banking, the next day, the screen I could see, showed a positive balance and no fees. All this was, IIRC, XXXX. Now on XX/XX/XXXX, I'm being charged a {$35.00} fee, for a {$26.00} item I covered the same day. 

They are either keeping me in the dark, or are illegally backdating things to generate fees. 

I've been with the bank since 1976 and had a 10 year career in financial services, which included some compliance background. 

IMHO, this stinks and it's insulting that they are offering " as a courtesy '' to refund XXXX of the fee. It has been escalated, but will take days and I have no idea if I will be in a place where I can discuss it, if and when somebody calls back.
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, and I have no explanation for it. I check my report regularly, and this has never happened before. I even tried refreshing the page, thinking it was an error, but the issue persisted. This is completely unacceptable, and I want this addressed without delay. Please carefully review the documents Ive provided to ensure I no longer have to deal with this problem.
Product: Debt collection

I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

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

After sending disputesXX/XX/XXXX, as of today Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30 day regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES 1 XXXX XX/XX/XXXX unauthorized 1 XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXXunauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX-XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX-XX/XX/XXXX-XXXX-XX/XX/XXXX not mine XXXX XXXX ****XXXX   {$570.00} not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/XXXX the 2022 to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights
Product: Debt collection

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and Discover never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed Discover or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.
Product: Credit card or prepaid card

I can not use my credit card or pay the balance due on my card because my account is restricted without reason. I contacted card support several times after verifying my identity with them, however, I could not get a reason why my account was restricted. I have spend several thousand dollars on this card over the past 5 months I have had it, and have never missed a full payment. The most troubling part is that I am restricted from paying off the remaining balance on the card, and am at risk of accruing interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A se
ction 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : XXXX Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number xxxxx XXXX Reported Balance {$0.00} Date Opened XXXX XXXX, XXXX XXXX  Account Number XXXX  XXXX Reported Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Reported Balance {$0.00} Date Opened XX/XX/XXXX XXXX : XXXX XXXX # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX - XXXX XXXX Acct # XXXX Balance {$0.00} XXXX XXXX : XX/XX/XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Date XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX. 
Acct # XXXX  Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXcct # XXXX Balance {$2600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX Date Opened : XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown  accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

I have a credit card from ALLY bank. I had a credit balance of {$5.00}. I requested a check In the amount of {$5.00} to Ms.XXXX on XXXXXXXX.I also spoke different employees of this bank on different dates regarding this check. So far I did not receive any check. The customer service of this bank was bad. They do not have any respect for the customer.
Product: Credit card or prepaid card

I have been with Bank of America for a long time, and I have always appreciated the good value and service I have received from Bank of America. Back in XXXX of XXXX  I checked my credit report and notice a mistake. I was devastated to see a late payment show up. In immediately called in to BOA and spoke with a representative. I explained to the rep that in XX/XX/2022 I paid my account in full and set up automative payments with an online rep assisting me with the process. The representative ask what server did I use because sometimes their system glitches when using XXXX, I was unaware and ask why wasn't that explained to me when I set it up. The rep said she will make a note on my account and remove the late payment. However 30 days went by and the late payment was never removed from my report. I called back on XX/XX/XXXX and spoke with another rep in which she assured me that my account will be updated. The rep provide me with an reference # XXXX. Again nothing was done. All XXXX credit bureaus still had the late payments. I called back on XX/XX/2022. I spoke with another rep with reference # XXXX. The representative assured me that she will have my account updated immediately. I called all 3 credit bureaus today and they all responded that they have no letter from Bank of America regarding the late payments. I have a perfect record paying on time. This is really an inconvenience, and a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Experian deleted one of my bills without my consent in an attempt to fraudulently lower my credit score to deny me credit. They admit this but never offer to fix it. I want them to fix what they did completely. I also want them to restore the score they stole in this error they made.
Product: Student loan

My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education.
Product: Payday loan, title loan, or personal loan

Consumer reported a 30 day late to credit reporting agencies under deferred agreement.
Product: Student loan

It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. 
Ms. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. 
The email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, " Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX  and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX  XXXX  or XXXX  XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that.
Product: Debt collection

XX/XX/XXXX RE : XXXX and MRS BPO, L.L.C. 

On XX/XX/XXXX XXXX sent my bill to " XXXX  '' for collection. Upon XXXX  reading my complaint through CFPB they determined their was no reason to pursue this charge from XXXX. 

I talked to dozens of people at XXXX about my XXXX not working properly the day after I received it. I kept getting kicked around from person to person and department to department. I finally reached a specialized department that immediately told me I had a free exchange due me. XXXX sent me a return box and instructions on how to return the faulty phone and I was sent a replacement. I have not had any trouble with the replacement. I have never had trouble with any phone since I started using cell phones in XXXX. 

I sent the phone back as instructed and the next thing I get in the mail is a collection notice. 

XXXX sent me a return box and authorization. With out having that authorization and box with a shipping label through UPS I could not have returned the phone. I do not know what happened from my returning the faulty phone to them sending a bill to collections. I can not get anyone at XXXX who knows anything to explain what happened. 

After being treated so horribly from XXXX, I switched phone service. I made sure I was paid in full and canceled their service. 

I am sorry XXXX is so vindictive and so childish to first allow a return and then, because someone, in some office, in some town had a bad day, decided I should be charged. It's very upsetting. 

I do not owe this bill. I will never pay this bill.