23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage XXXX Department of Education XXXX XXXX XXXX sent me an email about a subsidized student loan being behind on payments during the mandated student loan freeze going through XXXX. 

Email contents : " XXXX, we haven't received a payment from you. 

Life is busy- and we know it can be easy to miss a payment, but falling behind can have real consequences. Please make a payment today! 

Make a Payment Payment can be made online, over the phone or by mailing it to Aidvantage XXXX Department of Education XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. Make sure to write your Account Number on the check or money order. 

If you need help staying on track or you're struggling to make payments, we have options. 
icon Enroll in Auto Pay- never miss a payment. 
icon Lower your Monthly Payments - Income-Driven Repayment plans may help make your payments more manageable. Eligibility depends on your income, family size and loan program. For more information, visit StudentLoans.gov/IDR. 
icon Temporarily Postpone Payments - deferment or forbearance options may be available to provide some relief depending on your circumstances. 
Log in to your account to read the important details about your account status, potential consequences if the delinquency continues and ways to bring your account current. 

We're here to help Visit us online at aidvantage.com or call us toll free at XXXX to discuss the options that may be available to you. We're here to help you Monday XXXX XXXX XXXX XXXX XXXX., Tuesday - Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX ET. '' When I logged into their website, they had an alert up : " Youve missed 1 payment.

Pay Now or Contact Us Need help avoiding delinquency or default? " Looking at my accounts, they were listed as " past due ''. 

This list of warnings and instructions made me pay the " past due '' amount, even though the loans are by law not required to be paid right now. Their deceptive warnings thus cost me well over {$1000.00} in immediate cost. It wasn't until after making a payment I saw a small notice on the top of the page saying that there was a student loan freeze in effect, but that was not included in the email saying I was behind and needed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that XXXX XXXX is reporting on my credit report regarding the account referenced under account number. Specifically, the year the account was opened is being reported incorrectly. 

Upon reviewing my credit report, I noticed that the account is listed as opened on XX/XX/year>. However, based on my date of birth, wasn't even born when this account was opened. This discrepancy is negatively impacting my credit report and overall credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX is required to ensure that all information furnished to credit reporting agencies is accurate and up-to-date. This incorrect reporting violates those requirements.
Product: Credit reporting or other personal consumer reports

I previously sent a letter requesting that you reinvestigate the disputed account on my credit report and update it accordingly during the investigation period. However, as of today 's date, I have not received a response to my request. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I file dispute after dispute is taking way to long for the company to act. For my dispute I want letter of debt validation not statement or a bill I want a written contract
Product: Debt collection

I was contacted by this company, XXXX XXXX XXXX XXXX, without ever having received any documentation from them. Also, the debt they are proposing to collect on belonged to another agency and I have received no documentation of assignment of debt, validation of debt, or any contact information. They have contacted me several times and I have now, thanks to the records of the Massachusetts Division of Banks, found that this agency is in fact NOT licensed in Massachusetts for Debt Collection.
Product: Debt collection

I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields
Product: Debt collection

15 USC 168.1b Jefferson Capital Services , LLC {$1100.00} XXXX XXXX  I did not say that the credit bureaus need to have written instructions to add accounts on my credit report. I would like the to be removed from my credit report decreasing my XXXX  score by XXXX points and needs to be added back to my XXXX  score that was XXXX immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used this company cash app to send money, {$2200.00} in fact, to someone online to purchase items from this website called XXXX. It's like a XXXX. Well after I sent the money the person never sent the good, he blocked my phone number and blocked me from exchanging money on cash app. I emailed cash app every day for help and to ask for a refund for almost a week. They said there is nothing they can do ask him for a refund. I informed them that he blocked me after I sent the money and obviously this was fraud. They informed that if they feel there is a reason to look into it then they will. Which they dont. I strongly feel this company is encouraging scammers to use this. I understand I am probably just out of my money but I don't want this to happen to someone else.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXXt accounts are preventing me from obtaining a car loan.
Product: Credit card

I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I discovered unauthorized inquires in which in I never applied
Product: Debt collection

IQ Data International added an account onto my major three credit reports on XX/XX/2021 The account is originated from XXXX XXXX XXXX. 
I have received no correspondence from the company. 
I have consistently disputed this account as the account is not mine and I have never been associated with any such account I have filed several ID theft reports and submitted them to the credit reporting agencies in hopes of having this account deleted I have attempted to negotiate a settlement for the account with the agency to no avail just so that it does effect my or my husbands credibility in his line of work. 
The do not respond to emails or faxes. 

As a XXXX citizen and a military spouse, I just want this account removed.
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the presence of inaccurate information on my credit report that requires immediate correction. After thoroughly reviewing my report, I have identified specific entries that are incorrectly listed and do not accurately reflect my account history. These inaccuracies are having an unjust impact on my creditworthiness, potentially affecting my ability to secure credit. 

The information in question contains errors that are inconsistent with the actual status and history of my account. This misreporting can lead to misunderstandings by those who review my credit report, making it imperative that these inaccuracies are promptly addressed. 

I kindly request that you undertake a comprehensive investigation into this matter. During your review, please compare the reported information with the accurate data on file. For your convenience, I have attached a separate letter with additional details regarding the disputed entries, along with supporting documentation that substantiates my claim. 

It is essential that this erroneous information be removed from my credit report entirely, ensuring that my credit history accurately reflects my financial behavior. By doing so, you will prevent any further negative consequences on my credit score and my ability to access credit. 

Please keep me informed of the outcome of your investigation and confirm once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

There has been reports of someone elses credit card reports and information that is not mine. I have not consented nor do I know the company of CBNA. As of XX/XX/XXXX I have noticed the account wrongly attached to mine and I have been trying to remove and dispute this account. 

The CBNA has been opened in the year of XXXX. I was a minor in high school in that following year. I couldnt have opened a credit card line
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received an inquiry from swiss colony where I was the receiver and not the buyer, My sister was ordering a gift towel set for me from there but did not use my SSN, just my name and address and somehow swiss colony pulled my credit report instead of hers.
Product: Credit reporting or other personal consumer reports

I have called I also sent letters I did a dispute about this matter and even sent validation letter and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

1

5 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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

This company who i have a verified account with allowed someone to make 9 purchases with a debit card with my name on it under an account that is not mine.. this company only allows users to sign up and use their services if you have successfully verified your identity which i did when i signed up so how was some allowed to make a verified account in their own name and use my debit card that has my name on it. Which they obtained by getting into my bank account creating a virtual card to use on this site. My bank has denied my claims for a dispute and the company will not return my calls or answer .. on XX/XX/year> for the 3rd time my bank gave access to someone else I did not regain access to my account until XXXX all my accounts and even social media has been hacked .. they were able to get access to my phone emails and all accounts..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was alerted to transactions occurring on my bank account. {$3400.00}, {$1000.00} and then another of {$900.00}. ALL OF MY MONEY. I bank with Wells Fargo. I immediately reported to the bank that I did not make these transactions. This transaction occurred through XXXX XXXX. They transfers showed up on my account as " Authorized Transaction on XX/XX/XXXX XXXX XXXX Balance. '' It also showed the last 4 digits of my bank card. I was told on my initial call with Wells Fargo that the " money went to some in Texas and the feds were on their way to his house now. '' I have waited 10 days and now Wells Fargo has denied my claim. I will get nothing back. I am a single mother. That money was from my tax return and was for childcare so that I could work. Now I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and Experian.
Product: Checking or savings account

A payment I mailed in was credited to the wrong account. Wells Fargo finally transferred the money to the correct account. I owed {$5000.00} on a loan. The amount transferred was {$5700.00}. They can not locate my {$700.00}. They have been no help.
Product: Student loan

I have been paying toward my private loan since 2009. I was falsely denied a lower payment open, even when I was unemployed. The representatives over the years have increased my payments, despite ability to pay, and refused to offer any help other than telling me to deal with the collections department. Once collections began, I was given no payment options other than forbearance, and despite my pleas for help in at least a low monthly payment, they would not accept any option other than to keep being in default or going into forbearance ( again ). I was never informed at the time of signing up for loans that my balance would continue to increase despite monthly payments and good faith attempts to pay, when full payments were not possible. My cosigner and I have been threatened with ruining our credit unless the full payments were made immediately. My balance has increased since changing to Navient by over XXXX, with no explanation or notification from Navient as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}
Product: Credit card or prepaid card

On XX/XX/21 I applied to Citi for a new consumer credit card. Citi denied the card under fraudulent representations of fact. Citi pulled a consumer credit report and claimed to deny the application in full or in part based on the data provided. This however directly contradicts their own cited rational for the denial. Over 11 years ago, I did declare bankruptcy - a bankruptcy that Citi is using against me. Citi does not disclose or acknowledge that a bankruptcy will create a denial. This is exceptionally misleading as the credit bureau on which Citi relied could not report a bankruptcy as it was more than 10 years ago fully discharged. Citi also claimed that current accounts have a history of late payments - a claim factually repudiated by the very credit report on which Citi claims to have relied and show a perfect payment history. Further Citi cited a restricted credit priviledge on existing accounts ; such information is not part of the credit bureau record. 

Citi, pulled a credit report and claimed to rely on that data, but rather than truthfully use that data they relied solely on their own records to deny credit. These are terms which could and should have been readily disclosed in the application, there was no reason to pull a report when they intended to deny the application on internal data alone and reasons that could have easily been avoided by the applicant. 

Further, Citi provide and XXXX number for questions and assistance. The number for customer service and the number provided on the credit denial both resulted in numerous automated system hangups and no ability to reach a real person or obtain staffed service hours. The number provided is merely an automated system that will not connect to a person, hangs up on you when it is done reading the already sent letter verbatim. The is not customer service, it is the complete lack of service. 

Because I have another account with Citi, I was able to access the fraud department on XXXX, which connected to a real person. Connecting a real person in applications, remained a time consuming challenge.
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. 
XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years 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 {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$64000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bk of amer has been reporting inquiries on my report without my consent for a while XX/XX/XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX please stop this from happening more and take care of these egregious acts.
Product: Debt collection

Portfolio Recovery Associates : REPORTED ERRONOUS DATA TO ALL CREDIT REPORTING AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Here again - another account that was disputed several times with XXXX  and it has not been deleted. I filed a 1692g letter with the collector Capital Accounts and they failed to respond ; furthermore, I called Capital Accounts and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. XXXX   has failed to properly investigate this account under FCRA and Capital Accounts has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.