23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.
Product: Checking or savings account

Because of CFPB very primitive questionnaire of bank services and because of illegal closing of my previous complaint about Citibank wrong doing by way of " push the envelope '' instead of really providing only announced " A central part of the Caps mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. '' I repeat stating following defects in XXXX XXXX management in my letter to XXXX from Citi Executive Response Unit I received your response to CFPB on my complaint against Citi customer policy from 2018. I reject your statements about " our goal is to provide all of your clients with the highest level of service '', and " we have recently implemented enhancements to Citibank Online to aid our clients in conducting their online banking '' as fraudulent and humiliate. I request to return all forms of clients Citi service to any which were provided before your enhancements. 
As I stated to CFPB and Federal Reserve Consumer Help office : Current service defects are expressed in 1 ) forbidding to customer to connect with Bank in documented email message form ( such form existed till 2018 ) and insisting only on connection with irresponsible forms of chat and phone ; 2 ) bad imagination of new " enhanced '' customer account image with using signs instead of understandable words and many other defects ; 3 ) permanent different transactions information in customers account at home and in bank office of same customer account on same day and time ; 4 ) taking part in usual and factual criminal seller/bank practice of refund delaying for many days. For example, refund of {$38.00} was delayed by Target for 20 days without any help from bank to reduce and stop such action which is usual criminal policy of seller and banks together.

Generally speaking : Citi provides new fraudulently " enhanced '' service policy with goal to restrict customers civil rights on getting whole financial information. Please, compel Citi to exclude in its dealing with customer all defects mentioned above.

This message directed to Citi leaders. 
In consideration of this complaint I request to stop CFPB usual manner of " pushing the envelopes '' and to execute the enforcement and regulation requirements of 12USC Chapter 1,2,3,21,36,41,48, 12CFR Chapter X Part 1011.4, 1074,1080 and other known to CFPB financial laws and rules with goal to compel Citi to reject all mentioned above defects of mass violation bank customers financial rights without any attempt to close such complaint without strong investigation, regulation and fixing wrong Citi service policy as requested by CFPB laws and rules.

Because of CFPB additional questions about amount of customer, their names, address and so on, I stated the camplaint is conserning me and all others customers in Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> there was a nationwide data breach to Social Security. This data breach affected over 30 billion United States citizens personal information such as email, residental home address, social security numbers were leaked and much more such as my inforation was included.

The action taken is that I have file an Identity Theft report with Fair Trade Comission.
Product: Debt collection

Halsted Financial Services ( XXXX ) has been emailing me saying that I owe money on an account that I never opened and does not appear on my credit report. It says I owe the money to XXXX XXXX XXXX Research tells me that this company is engaging in fraudulent phishing schemes to collect money on debts not owed.

Received emails on : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has information that is over a year out of date. They have had an $ XXXX car loan that was paid off 8 months ago still tied to my account, say it's delinquent and have been tanking my fico score. Most days of the month their website is down so they can't process disputes.They also sold my personal information and now since opening an account with them I get scam emails for services and products I do not use!
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 1 : XXXX XXXX XXXXk Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I was scammed {$600.00} from a party through XXXX. I paid for a puppy and the seller gave me a false address and information. XXXX will not help me because it was sent as a friends/family transfer.
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. Account name : XXXX XXXXXXXX, Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name 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 an 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.

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where XXXX, TransUnion, and XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

With Experian I disputed on XX/XX/year> ally finance report All I got in return was remains on my credit file no true information on why its not being removed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Student loan

I attended XXXX XXXX which is part of XXXX. The recruiters pushed us to sign up for private student loans telling us that when it came time to pay back out student loans that we could re consolidate but Navient will not let me re consolidate my student loans and I have an interest rate that is more than twice the national average- I currently have a 13.5 % interest rate. And by the time i pay off this student loan i will be paying almost 3 times the amount i originally borrowed. I received a certification from XXXX in XXXX which i was told i could transfer those credits to other schools but not one school took the credits from XXXX so when i pursued my degree further the time and money i had already spent at XXXX was not able to be used and i had to start completely over with my schooling- retaking some of the same classes i had already taken and paid for through XXXX . The recruiters from XXXX tell you that you can get any job in the XXXX field after attending school and will start out making enough money to pay back the student loans. But after finishing this program I did n't even have enough schooling or experience to apply and take the actual certification test to become a XXXX to even get a job in the field. The school started out with a different name and switched about half way through my program.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Nelnet the loan was sold to another company for refinancing.When I had the loan I paid one bill now the bill is showing up multiple times on all three credit bureau and being listed up to four times on one report.l called Nelnet and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently completed a loan rehabilitation of my Parent Plus loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX XXXX  XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX XXXX  XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX XXXX  XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned byXX/XX/XXXXXXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold byXX/XX/XXXXXXXX to a debt collection agency by the name of XXXX XXXX XXXX. Despite this transfer, XX/XX/XXXXXXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XX/XX/XXXXXXXX XXXX is incorrect because the debt was sold to another entity.
Product: Credit reporting

I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX  mailed a check via XXXX  XXXX  to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance   company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX   credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX BalanceOwed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX****Balance Owed : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/year>, at approximately XXXXXXXX XXXX I received a call from XXXX XXXX, representing Hunter Warfield, regarding an alleged debt from XXXX XXXX XXXX I attempted to request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX interrupted me, overtalked me, and then hung up before I could complete my request. He also stated he wanted to email me information about the debt, but prevented me from providing my full email address and completing my validation request. This constitutes a violation of my rights under the FDCPA, as I was denied the opportunity to properly request and receive debt validation.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXt Account # 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.