23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I started my academic year at XXXX XXXX XXXX. After talking to my financial advisor, XXXX, who assured me this was not only a better choice as I had kids at home but they would also help me find a job through their internship program and help with job fulfillment at a reputable company related to my field of specialty, which was XXXX XXXX  and XXXX 

I finished my XXXX and tried for a very long time to get a job at XXXX XXXX, XXXX, and XXXX XXXX  who did XXXX and XXXX applications. After searching and searching the academic center called me one day to tell me congrats on my graduation months prior and asked if I had found a job. After telling the young lady I hadn't found a job yet, the rep asked me if I was interested in going further to finish my XXXX? I was kind of apprehensive but thought maybe this would help. After one semester in, my loans and grants came to a halt and I had no more funds. Not only that I got my first loan bill in, which was for nearly XXXX. I wasn't even working and my husband was currently a student there as well thinking it would help him with his current job in going further in the company. 

Well the joke was on us. My husband should have been apart of the student loan settlement in which he started in XXXX and finished shortly after. His loans are also through XXXX XXXX and he pays! Now we have XXXX terribly sick children and I cant work as Im constantly taking kids to doctor and I keep getting letters to pay and pay. I cant pay. 

Now my loans have racked up to nearly XXXX and I have no career. In fact I have been laughed at and mocked in interviews at the paper that I have called a degree from university XXXX XXXX. I can't get a job making enough money to pay this loan back. This is disgusting that this type of organization exists. My husband is paying his loans although he has not moved up any more in his company. 

I will be filing complaints everywhere and making sure not one person steps foot on this papermill college.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

***PENDING LITIGATION*** I have supplied Experian with all the evidence previously by disputes through the CFPB and disputes through the mail about why the bankruptcy against me is inaccurate and unverifiable. I sent all the evidence to Experian 's legal team more than thirty days ago and still haven't received a response back. Experian 's willful neligence is not a good look. My lawyer is ready to file in court if we can't get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collections account has been negatively reporting on my credit profile for a while. Several FCRA violations, but have yet to remove this item. The account dispute has also been going on for longer than 30 days. As per FCRA ..... 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XX/XX/year>
Product: Credit card or prepaid card

XXXX  ( childrens ' clothing store ) had an online promotion advertising 25 % off your order if you applied for a credit card. On XXXX I completed the application, including my social security number, and was told that I would receive an email within 7-10 days. I did not hear from them. On XXXX I was told by my employer that she received and application for Ohio unemployment benefits. I did not file for unemployment and I then completed forms notifying Ohio Dept of Jobs that my identity was stolen. Thinking back, I thought by me entering my social security number online during the application process, this may have opened me up to identity theft. I contacted XXXX and was told that their credit application process is handled by XXXXXXXX XXXX. On XX/XX/21 I called XXXXXXXX XXXX and was told that they did not have my application and that this frequently happens during online credit card applications for XXXX. Why would a company as large as XXXX use a service that is not secure? That is my complaint-an insecure online credit card application process that resulted in my identity theft.
Product: Debt collection

Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.
Product: Credit reporting, credit repair services, or other personal consumer reports

First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.
Product: Credit card or prepaid card

My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. 

However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. 

I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. 

On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. 

This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. 

To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. 

I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. 

Thank you for your help.
Product: Credit card or prepaid card

i fell behind on my payments due to some personal reasons and had loss my job due to illness and I recently got back on my feet but the late payments is hurting my history
Product: Credit card or prepaid card

I was charged a late fee for my first late ever with the CITI CC company as I was on vacation for XXXX holiday. I immediately made my pmt after i returned and also never got notification to avoid late fee to make pmt soon.They were not willing to reverse nor work with me, but offer that they no longer reverse late fees for anyone because they need to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account that I had with my credit union was paid in full.

Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately.

I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX.

I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report.

I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back inXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act Ally Financial # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2005 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting

On or around XX/XX/2015 I completed in online dispute with Equifax. I advised that I am not a Junior and provided a copy of my birth certificate and copy of my social security card. The information was changed to exclude XXXX but two weeks later after filing a separate action with CFPB on XXXX/XXXX/15 equifax changes my name back to include XXXX. I have advised Equifax on numerous occasions prior to this request that I am not a XXXX nor have I ever been a XXXX. This behavior has been consistent with Equifax when you challenge them about incorrect information. I have been denied credit due to my name not matching the credit file.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The following credit card accounts are listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an alert where the company Radius Global Solution reported that I have an account in collection, at this moment I have not received any notification by any means on that subject.

I do not know what is happening or to whom I supposedly " owe '' something.

Below is an excerpt from the report I received. 

Details Summary ALERT TYPE Potentially Negative ALERT SUB TYPE Major Derogatory SOURCE XXXX ALERT DATE XX/XX/2021 BALANCE AMOUNT {$000.00} IS COLLECTION Yes OPEN DATE XX/XX/2021 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2021 NAME RADIUS GLOBAL SOLUTION PHONE ( XXXX ) XXXX BUSINESS TYPE YC STREET ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN ZIP XXXX
Product: Mortgage

On XX/XX/2020 we were denied our home loan by our lender Licensing Information : XXXX XXXX NMLS : XXXX | Alabama : XXXX XXXX XXXX Florida : # XXXX | Georgia : XXXX   XXXX XXXX Licensee # XXXX XXXXXXXX XXXX Team Manager | NMLS : # XXXX | GRMA # XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, GA XXXX Direct | Cell : ( XXXX ) XXXX | E-fax : ( XXXX ) XXXX | E-mail : XXXX Website : XXXX We were told it was in front of the committee and that on this last day we were denied our loan based off a credit score. We were never disclose that their lender only accepted a XXXX score with ours being a XXXX. We were then forced to terminate our contract to receive our {$3000.00} earnest money or it would be lost. Never giving us a chance nor time to even use another lender. It was never disclosed to our realtor, our buyers nobody. When I emailed to ask the lender if we could use someone else or what we could do the only response I got was no, the credit score needed to be XXXX and it was done. Causing us to lose the house we were under contract with. Causing three family 's to be disrupted. Breaking the hearts of XXXX my children. My son is XXXX XXXX and this was a huge step to making it better for him. But to be told on the last day at the last moment leaving no room for change is not what I expect from a lender. T0 wait until the last day with literally less than 3 hours before the diligence period to end. Almost causing us to lose our earnest money. Is this really how this should have gone? I thought their were guidelines and procedures to be followed including a last credit pull 10 days prior giving the buyer time if needed to change lenders if needed. So this would not have even happened and we wouldn't now be stuck in a house packed in boxes. Our utility 's, movers, school address changes and many other factors having to now be retracted. The disruption and overwhelming disappointment is an understatement. But the out right " deceitful '' manner this company displayed can not go un noticed. I expected more for what was supposed to be our lender. Someone we were to depend on to keep us in the loop and allow ample time to have all matters completed to move forward with our closing. This is something that needs to be addressed and I am more than happy to provide more. Give any information I can to help. But I can not go another day without having some reprimand on the lender and the person who dropped the ball causing such a displacement of more than just my family. This is a matter of a company who did not do their job and allowed a complete breakdown of events that effected no just us but the other family 's who now are having to scramble to get their closings rescheduled and hops to not lose their upcoming closings because of this lenders inability to disclose in a timely matter of lending issues. 
Please let me know what I can do to have an action placed against this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your service. My name is XXXX XXXX and I am a proud American living in XXXX California. It has come to my attention that my State Constitutional rights to privacy along with my Constitutional right to privacy has been trespassed on and violated by the alleged credit reporting agency called Experian. Experian has no license in California to report personal credit information. Experian and XXXX XXXX have no contractual agreements that gives them exclusive authority or permission to publicly report any information about XXXX XXXX. Experian also has no Court order that grants them permission to report any information about XXXX XXXX. They are in clear violation of the Fair Credit Reporting Act as well.
Product: Debt collection

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

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

I disputed a charge of {$2000.00} since the date it was charged ( XX/XX/XXXX ). under the Fair Credit Reporting Act, the furnisher of information to consumer reporting agencies has a duty to provide accurate information about a consumers credit file. 15 U.S.C. 1681s-2 ( a ). As I deny liability for any amount of alleged debt, and because I claim that the alleged debt resulted from an unauthorized charge, it is not accurate to report that there is a bona fide past due payment. Despite a letter ( attached ) from my lawyer to remind Chase my fair credit reporting right, Chase continues to violate the law. Despite my repeated effort in getting this dispute resolved by filing for arbitration on XX/XX/XXXX per our card agreement, Chase ignore the arbitration request ( a separate CFPB compliant XXXX has been filed 2 weeks ago ). Please correct the credit reporting to all credit agencies ASAP as my credit score has suffered XXXX points decreased.
Product: Mortgage

We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.