23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello good morning I called us bank yesterday and explained my situation and family emergency to a wonderful guy whos name I forgotten but he was very nice as I spoke to him I explained that my grandmother had a recently XXXX as she was detected a XXXX   and some problems with her XXXX as a lot of things got complicated with her health. And that is the reason why I cant pay the overdraft fee that they charge me and that now my account is negative the gentle man was really nice and he said that unfortunately he couldnt help me out or proceed with any wave payment because the overdraft fee was still pending and could not allowed him to move forward and ask me kindly to call back the next day or 2 days after so that once the overdraft had completed posting I could call back and ask anybody else to help me. He would have done it him self if the overdraft fee was not pending still he understood my concern and most likely he would have waved he fee for me as he understood my situation and hat I could not afford to pay the overdraft fee and that I also never thought that he charity I gave to Church was going to be process with the check as soon as onlybone day wen it usually takes 3 days for a check to clear out
Product: Credit reporting, credit repair services, or other personal consumer reports

I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with first progress and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Product: Credit reporting or other personal consumer reports

his address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. Please notify me in writing once the correction has been made or if additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through Credit Acceptance. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, Credit Acceptance began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which Credit Acceptance declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see Credit Acceptance failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to XXXX   and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to XXXX  and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from XXXX and XXXX, but returned a short time later without any form of communication from Credit Acceptance. I continued to dispute the account through XXXX, but I still did not receive any correspondence from Credit Acceptance. Once again, the account was deleted from XXXX and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by XXXX  XXXX  in reference to verifying the account as charged off, Credit Acceptance changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and Credit Acceptance conveniently changed the account again this time only with XXXX  to show 90 days late XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed Wells Fargo credit card account that was charged-off in XX/XX/. Wells Fargo wrote the balance off as bad debt and completed form 1099 after the account was charged-off. Since the charge-off, Wells Fargo continues to report a past due balance on the account in addition to reporting a new charge-off monthly. I feel that Wells Fargo is intentionally damaging my credit history and that my rights as a consumer are being violated.
Product: Checking or savings account

I got an email at XXXX XXXX  and an alert from my app that my funds are currently not available for withdrawal. I answered the email and still the issue was not solved. I called during my lunch period from work and the message said the hold would be XXXX minutes and was on hold for XXXX minutes and nobody answered.
Product: Student loan

In XXXX of 2018, I re applied for my income driven repayment plan. In XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX for a payment amount that was incorrect due to only half of my loans being processed on the income driven repayment plan. I called in XX/XX/XXXX to fix this issue and was advised that it would be by the next billing cycle and denied forbearance. When I received the same billing amount on the XX/XX/XXXX statement, I called again and was assured that this IDR would be reprocessed and fixed, again reassured that I would not need a forbearance. Meanwhile, the solutions team working on this escalated issue notated my account that there was to be no negative reporting due to Nelnets egregious error. In XX/XX/XXXX, I received yet another incorrect bill and called for the third time to get the IDR fixed. It was finally fixed and I made payments immediately thereafter. I was then reported to the credit bureaus for being 90 days past due on my payments. This dropped my score by 125 points and when I called yet again to get this fixed I was told there was nothing they could do. I have called five times within the last two weeks to attempt to get this fixed again and continue to be denied for multiple different reasons all which make no sense. One of the reasons I was denied  is because NELNET claims that I made no payments during the time the error happened and because my IDR was backdated, there would have been a payment due. How would I know what to send? If I sent {$20.00} and my payment was {$30.00} ultimately, I still would have been considered late. I need HELP!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report that are the result of identity theft. These inquiries were not made by me, nor did I authorize them. As such, they should be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code 1681b. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX InquiryXXXX  Date : XX/XX/year> XXXXXXXX XXXXXXXX  InquiryXXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX InquiryXXXX Date : XX/XX/year> XXXX. XXXX  InquiryXXXX  Date : XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sensitive personal information has been compromised while under the care of Equifax. Like many others, I am part of the alleged 143 million people who have had my personal compromised and my credit and identity are now at risk. The breach was announced on the week of XX/XX/2017. Equifax has been entrusted with sensitive information yet was too inept to protect it from outside sources. Allowing this to happen and then not announcing it until weeks later is an egregious offense.
Product: Debt collection

Resident Advocate LLC identifies themselves on phone calls as " helping the renter '' resolve outstanding debts with prior landlords. They DO NOT identify themselves as debt collectors on the phone, and when I raised that this time, they said " well it hasn't gone into collections yet, this is to avoid that, so I don't have to ID myself, but it will be there when you make the payment on the portal. '' Even if that is a loophole, what an absolutely heinous misrepresentation of being my " advocate '' but doing NOTHING but serving as a third party debt collector for absolutely ridiculous charges by my former landlord. As a lawyer, I am very offended that this entity gets to use the word " advocate '' in their name. They are not. They are a debt collection mill for XXXX landlords pushing bills too insignificant for their renting population to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 never applied for paypal
Product: Credit reporting or other personal consumer reports

I am disputing the collection account listed on my credit report under account number XXXX from I C System INC. I have never had an account with this company or an agreement, and I believe this collection violates 15 U.S.C. 1692c of the Fair Debt Collection Practices Act regarding improper communication by debt collectors. 

I request that you investigate this matter and remove the collection entry from my credit report, as it appears to be inaccurate and potentially in violation of the law. 

Please confirm the results of your investigation in writing. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion multiple letters with my concerns about four inaccurate accounts on my credit report. I have asked them to verify the four accounts. After doing so, I received a letter from them saying the accounts were verified, but they failed to provide any information or documentation showing how the accounts were  verified or belonged to me. I then sent them another letter asking them to provide documentation showing that they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted them from my credit report. I have also sent TransUnion a copy of the XXXX letter and they still refused to delete the accounts. I am getting very frustrated with TransUnions lack of cooperation and inability to follow the laws set fourth by the FCRA and the Supreme Court. If this issue can not be resolved with this complaint, I will have no choice but to get the courts involved seeing as though TransUnion is breaking multiple laws. I have provided all documentation that I have sent to TransUnion down below.
Product: Credit reporting or other personal consumer reports

Duplications of the Same on credit report. Replace of items thats dropped off. Unauthorized reporting
Product: Student loan

I took out loans from Sallie Mae over the course of my time in college ( XXXX ). The loans totaled {$98000.00}. I've paid over {$46000.00} so far, and my current amount due is over {$110000.00}. Looking at these numbers alone is enough to show that Sallie Mae is a predatory lender. They've lied to me on multiple occasions, even denying a phone conversation occurred in which they told me the amount I would be paying per month would be roughly {$600.00} cheaper than it actually was. Sallie Mae has a history of giving out subprime predatory loans. This is nothing new, and at this point I refuse to negotiate with the company unless they're going to wipe my loans clear. THEY are supposedly the loan-giving experts that gave out bad ( subprime ) loans that they had no reasonable expectation of having paid back. But it's all about profit through exploitation for Sallie Mae, and it's disgusting how this is being ignored by the CT AG and the CFPB. I've submitted this claim several times, even linking the exact sections of the legal code that would absolve me of future payments due to an undue hardship on my co-signer and I. Why would I spend MORE money on a lawyer to prove a point I'm capable of proving on my own? The numbers alone prove that predatory/subprime lending occurred. Sallie Mae can expect me to stop paying 100 % on my loans, and if they wish to waste more money taking me to court, so be it. Good luck taking the nothing I have and garnishing my wages. If that happens, I'd simply stop working so there's no wages to garnish. I look forward to the company 's nonsense response that shows they haven't understood a single point I've made. To make my point clear once more, Sallie Mae is a predatory lender who gives out subprime loans for the purpose of making a profit by destroying an entire generation 's hope for financial independence. I'm saying 'no more ' whether the CFPB, court system, or Sallie Mae accepts it. Nobody can force me to do anything, and I'll make sure that if I go down for this, I'm taking Sallie Mae with me. Garnish my wages, I'll refuse to work, and I'll spend every day going to college campuses diverting people from Sallie Mae by simply telling the truth. If you think I'll let you get away with destroying my future, I'll make sure to divert millions from your greedy, slimy, predatory hands.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent hard inquire from my credit report : the following inquires are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transaction involved the extension of credit to me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with my dispute, my fraud report that I just sent to Equifax for the second time so that these question can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

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

We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXXXXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that TransUnion acknowledge this dispute in our credit file as we seek resolution.
Product: Bank account or service

We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}. 
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.