23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans where on the income driven repayment plan. After one year I was up to renew them and I was also enrolled in school. When I contacted XXXX about renewing my annual repayment plan the representative stated that I was in school and that I could have them forbearance. I told her no thank you. She stated that when you enroll in school the system would automatically place you in forbearance. I explain to her that I am okay with paying my loans and that I would not like for my loans to automatically do that. I explained that it was not helping me or my loans my giving me the option to do that when I am able to afford the income repayment. She then stated that she would fix my account so that my loans would not automatically go into forbearance. After getting off the phone with her a couple of weeks later I would be surprised to find out that my loans went into forbearance after I inform the company that I did not want this to happen or that option. Call the company back and the guy inform me that he would fix the issue that it wasnt processed correctly. They company are thriving off keeping students in debt by giving them the option to live now and pay later. Meanwhile the interest is stacking up and making my loan bigger than what I initially borrow.
Product: Mortgage

My wife and I were interested in getting a mortgage. We are working to improve our credit. I spoke with a loan officer, XXXX XXXX. He assured me he would not pull my credit report as I was only interested in him looking at my income while i repaired my credit. He asked for my tax returns so he could understand my income better. He used my social security number from my tax return and pulled my credit. I believe Amerifirst home mortgage has violated : 1681d. Disclosure of investigative consumer reports of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on XXXX XXXX, which is a free site that monitors your credit ongoing. The last week of XX/XX/2018, I followed some steps on the credit karma website to view more information about whether their suggested credit cards were really a good match for me. 

I don't even remember which cards I looked at, but after I did it, my credit score dropped XXXX points! As if I'd done a hard credit inquiry! 

I went to my email to check if there was anything confirming a hard credit check and there was nothing. Nothing in my finances had changed at all. After inquiring with customer service at XXXX XXXX, I got no answers about whether there was a hard credit check done on my account on XXXX XXXX 's website. I just got bounced around from one rep to the other who only had canned answers. 

XXXX XXXX completely destroyed my credit and ability to obtain a business loan and I can't even get on the phone with someone or talk to anyone who can provide any specific answers about my credit. 

I need help obtaining the assistance from this company as I did not authorize anything be done on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXXXXXX XXXX XXXX suggest I should apply for Bank of America card for a balance transfer. I applied, complete with the balance transfer information ( account details ) and was approved. The transfer was going to XXXX XXXX before my mother started receiving high fees. She is elderly, low income and had this debt to pay for dental repair. 
I received several emails welcoming me to BOA, then finally a statement not showing the transfer. My mother XXXX  XXXX XXXX XXXX watching and waiting for this bill to be paid. 
XX/XX/XXXX, I spent more than XXXX hour on the phone with BOA confirming my identity and trying to find out what happened. The person claimed the address must have been wrong on the first transfer, offered to cancel it and do it again. ( I was never notified that this transaction had failed and no mention of it on online banking. I was grateful I called as my mother was feverishly concerned about the upcoming XXXX XXXX deadline. I double checked the information and resubmitted the balance transfer in which was successful and I received an email. My mother contacted XXXX XXXX and they kindly granted her an extension. 
A week later I received a letter that BOA suspected fraudulent activity on my account and suspended my card. The date was XX/XX/XXXX, the same day I spent hours on the phone correcting this. 
The transfer never made it and my mother can not buy groceries because of this. 
I called BOA today, XXXX, and was hung up on. I confirmed my identity, asked the person to help and he refused without a reference number. I quickly looked at my paperwork and gave him the reference number. He told me to go into a branch of the bank. I dont live near one and asked for a supervisor. He told me no and that he was terminating the call. 
This is the most heartbreaking, frustrating and misleading experience I have ever had. 
I have never received anything regarding the balance transfer that was initiated on XX/XX/XXXX and was hung up on by a bank representative when I tried to figure it out. I need help to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is involved in a Fraud Suit ( Case # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ) ... Reported to Credit Bureaus, and received from Credit Bureau that all information reported was correct when it's not... The litigation is still pending, and Case is still active ... The company ( XXXX ) was taking monies from my bank account due to fraudulent activity ... Yet the Company ( XXXX ) shows paying as agreed on my account...
Product: Debt collection

In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX Account Number : XXXX Delete this account. 
3. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX
Product: Money transfer, virtual currency, or money service

I XXXX XXXX am Filing a complaint again CashApp ( Block , Inc ) due to unjust and unfair practices that bypass and violate the Cfpa act. Specifically less than a year ago there was a breach in the system to where there was a worldwide hack on there platform and with that hack being worldwide there were reports of data leaks which left not only my account unprotected and vulnerable but myself due to my address and bank information being tied into the mix with these data breaches. As well as there dispute system with false transactions occuring and things of that nature, i was speaking to an Robot ( A.I ) when in the ( Efta ) and regulation E it visibly stated that you have and must have an actual human handling those type of issues, I don't know whom i gave any of my information to through their platform or anything, and these actions by them has caused major problems and financial losses to myself and i want to seek redress for the violations.
Product: Debt collection

Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX - XXXX following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXX XXXX XXXX was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for any purpose. 

CBE GROUP XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH cXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports _____________________________________________________________________________________
Product: Money transfer, virtual currency, or money service

Good day, XXXX having problem with my paypal account saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' When I was busy with my business, I received an email from paypal saying that I can no longer use the service of paypal. I'm having a hard time because i used it as a payment method for my business.My business stopped because of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.
Product: Vehicle loan or lease

On XX/XX/2021 I purchased a vehicle from XXXX XXXX with Santander consumer USA being the lender I close the deal and on XX/XX/2021 I was called back in to XXXX XXXX. I was deceived into signing a new lease that increased the interest rate payments and total amount on the vehicle after speaking with XXXX XXXX. The issue has been resolved with XXXX XXXX. I was informed that Santander was the one that was responsible for increasing the interest rate for the loan as they had no control over what Santander did. After speaking with Santander they admitted to seeing both contracts in their system then tried to point the blame back at XXXX XXXX. Santander has already been sued for changing the interest rates on customers after a deal had been closed. Santander exposed me to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and a high payment-to-income ratio. Santander was ordered to monitor dealers who engage in income inflation, expense inflation, and power booking. This was not done.
Product: Credit card or prepaid card

Today 6 times I called Capital One to get my {$99.00} refundable security receipt. I spoke to a girl in their " executive suites '' and all she did was lie to me and interrupt me. 
I want a receipt.
Product: Money transfer, virtual currency, or money service

I have open up an account with Gemini to withdraw funds from a recent art sales. They have all off the information and my funds yet I can not get through to that at all no matter what method of communication I use
Product: Debt collection

from XXXX of XXXX to XXXX of XXXX, i lived at XXXX XXXX in XXXX arizona. my address was XXXX XXXX XXXX XXXX. i signed a 1 year lease, lived there 1 year, and moved out. now, XXXX   claims i owe them {$1300.00} dollars. it is now in collection by hunter warfield, XXXX XXXX   XXXX XXXX. XXXX florida, XXXX, XXXX i do NOT owe this money. it is a made up bogus debt, period, full stop. i satisfied the lease with XXXX, and left the apartment in the EXACT same condition as when i moved in. there is no possible way for me to owe XXXX, and now hunter warfield one single penny. impossible. if anything they owe me cause i never received my security deposit back for leaving the apartment in perfect condition. i called hunter warfield in XXXX on two different occasions and told them this is a bogus made up debt. that i do not owe it and i will not pay it cause i do not owe it. i explained to them that i will soon become homeless and this bogus made up debt on my report is causing me to be disqualified whenever i apply for an apartment before that happens. they then became very rude and nasty with me on the phone both times. i also disputed this bogus debt on XXXX XXXX and they are now claiming that this debt is accurate. IT IS NOT. i do NOT owe this money. period. and hunter warfield is attempting to collect money not owed, from a sick, XXXX  old man struggling to get by on XXXX once a month. hunter warfield, as well as every living breathing american must be made aware that hunter warfield attempts to collect money not owed, and that they have very rude and obnoxious employees answering their phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which CITIBANK has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, XXXX, XXXX. Regardless of my efforts to try to resolve the disputes with CITIBANK as I advised CITIBANK that these are Fraudulent accounts CITIBANK continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. CITIBANK is being negligent in follow consumer laws and FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has reported inquiries on my consumer report I dont recognize I did not give consent or authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX XXXX XXXX