23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Winter of 2017, a drunk driver hit me and he didn't have insurance. My car was totaled and had to be taken to the city pound. I filed a claim with my insurance company and they eventually paid the car off, but during the time the car was being deemed totaled, the pound called Capital One directly and told them to come and pick the car up. Capital one told me anytime they have to pick a car up from anywhere, they consider it a repo. However, my insurance company wrote them and told them it was an error on their end that had nothing to do with me and that's why there was a delay with them getting the car. The car is completely paid off and they have their letter from XXXX, but Capital One is refusing to take it off. They told me to call the credit bureaus directly, so I called XXXX XXXX and they said they can't make any changes, they can only update what the direct source ( capital One ) gives them. I tired call the president 's office at Capital One, but they said he doesn't take call. 

Please Help. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> {$3900.00} I have no knowledge of this account
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. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX OF XXXX - XXXX - XX/XX/XXXX - {$8600.00} XXXXXX/XX/XXXX- XXXX - XX/XX/XXXX - {$4100.00} XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$4100.00} INQUIRIES : XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.
Product: Debt collection

I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice. 

Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.
Product: Consumer Loan

I took out a loan for about {$70000.00} to finance XXXX pieces of XXXX for my XXXX in XX/XX/XXXX with a 7-month grace period. The funds were not released until XX/XX/XXXX. The XXXX failed in XX/XX/XXXX, and I contacted Wells Fargo Equipment Finance to make an offer to settle with no response. They contacted me about a week later to find out how to pick up the equipment, and no follow up calls were made. 
In XX/XX/XXXX, WFEF contacted me via email to tell me I owed them {$100000.00}, and that I was severely delinquent in the loan ( still under the grace period ) and repeatedly told me I made " XXXX '' payments ( the first payment could n't possibly be due until XX/XX/XXXX, and possibly as late as XX/XX/XXXX ). They calculated the {$100000.00} based on all the payments I would have made over the 5 1/2 years of the loan, including the interest for 5 1/2 years. 
1. They intentionally misrepresented the amount currently due in order to intimidate me and possibly try to push a settlement. 
2. They intentionally misrepresented the delinquency status of my account ( not delinquent at all, referred to as " severely past due '' ). 
3. Not sure if this is just semantics, but they referred to the loan as a lease. It was not a lease, it was a purchase agreement they financed.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

We already paid this bill, please contact the provider the payment was made electrically out of my savings account. Reference Account XXXX XXXX XXXX
Product: Student loan

I have tried calling, emailing, and using the chat box EdFinancial have on their website to try and correct my status for my student loans from payment due to an in school status. 
I am currently in XXXXXXXX XXXX and will graduate in XXXX but they have me set up to pay my loans starting in XXXX of XXXX. I already contacted my schools financial aid office and they said that they automatically send out my XXXX  status to Clearing House to confirm my enrollment and to any loan providers that are interconnected. 
I don't know what to do anymore, no one is picking up and when they do they hang up on me and then I have to wait another 3 hours to get a call back and that's if they don't close before then. I'm stressing out and I can't afford to pay anything until after graduation. 
Is there anyway EdFinancial can be contacted to fix the status on my student loan account from " payment due '' to an " in school status or deferment status ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Product: Money transfer, virtual currency, or money service

I initiated {$50.00} transactions from Send wave platform, my XXXX account was debited, but the credit never showed up in receiving account in XXXX. 
Ive spent over 10 hours on phone and chat, ti get it resolved. Send wave sent me letter that confirmed that the money was delivered to my ( beneficiary ) account.

In the letter I noticed that the money went to wrong which was not provided by me in their profile. 
But rather they were wasting my time. I even shared my local account bank statement for verification, that transaction never reached my account. But they simply refused to accept responsibility.
Product: Mortgage

XX/XX/2016 Royal mortgage charged me {$400.00} for an appraisal that was not required to refi. After my appraisal failed, XXXX XXXX told me i was angry because it failed. Im angry because he took {$400.00} for no reason. I had contacted XXXX XXXX  for the same refi and discovered it did not require appraisal. The loan was, under a XXXX XXXX  or XXXX XXXX who waive appraisals. I called XXXX XXXX asking why he charged me, he said he didnt know until after it was, done. I ask for money back and he ignored me. I was, with XXXX XXXX   and i provided loan #.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo dealer services is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX  Balance : {$4700.00}.
Product: Credit card or prepaid card

I made a booking with XXXX XXXX  for a trip to XXXX XXXX on XX/XX/XXXX ( XXXX XXXX booking number XXXX ) in the amount of {$4900.00} USD, using my Citi/AAdvantage Gold-XXXX card. On the same date, I purchased a XXXX XXXX XXXX XXXX plan ( XXXX Plan # XXXX ) for the trip. 

The trip was scheduled to depart on XX/XX/XXXX and on XX/XX/XXXX, I received a notice that the trip was cancelled ( email attached ). In that email, XXXX XXXX rescheduled my trip for XX/XX/XXXX. 

However, on XX/XX/XXXX, I received an email ( attached ) from XXXX, a XXXX XXXX firm, which stated that XXXX XXXX was being placed into administration ( bankruptcy ) and that all future trips were cancelled. When the notice that XXXX XXXX was being placed into administration arrived, I contacted Citibank as instructed by XXXX, the administration ( bankruptcy ) firm. I was told to submit a request for a chargeback, which I did via email. 

On XX/XX/XXXX, I received a decision letter ( attached ) stating that the original charge remains valid because XXXX XXXX had offered credit toward a future trip. However, the attached documentation clearly states that all trips have been cancelled and no payments will be honored because XXXX XXXX is in administration ( bankruptcy ). I then appealed the chargeback decision and received another denial on XX/XX/XXXX. The reason given by Citibank for the second denial was that the dispute had been submitted more than 60 days after the original date of purchase ( letter attached ). 

While the original charge was made in XX/XX/XXXX, in XX/XX/XXXX the trip was rescheduled for XX/XX/XXXX by XXXX XXXX, a circumstance that was not in my control. I had no indication within 60 days of paying for the trip that a ) the trip would be rescheduled, or b ) that ultimately, the rescheduled trip would be cancelled. In fact fact, I was issued a refund credit note in XX/XX/XXXX that stated I would receive a full refund from XXXX, a third-party guarantor, through an insurance policy ( XXXX XXXX XXXX purchased by XXXX XXXX  if XXXX XXXX did cancel the rescheduled XX/XX/XXXX trip. Therefore, I had no reason to request a chargeback until XX/XX/XXXX when I received notice that XXXX XXXX had entered administration ( bankruptcy ) and no trips or refunds would be honored. 

I have gone back to XXXX XXXX  XXXX, and XXXX, and was instructed by all parties request a chargeback under XXXX  chargeback code XXXX Merchandise services not received and that no future credits issued by XXXX XXXX will be honored. I have submitted the dispute now four times, on the advice of XXXX. However, Citibank has informed me all four times that my chargeback request has been denied because they are unable to recover funds from XXXX XXXX, and has stated that the last letter was their final decision. 

Thank you for reopening this case and for your review. If you have any questions or need additional supporting documentation, please feel free to call me at XXXX
Product: Credit reporting or other personal consumer reports

these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I do not know the amount offhand, but it's about a thousand dollars. 

I initially told the company around last XXXX that I could not pay because I had a XXXX, was in a divorce, and lost my job. They said they would stop late fees and I told them to contact me in 2 weeks. They called at least twice before then.

About 3 weeks ago, when my house was foreclosed on, I got another call from them. I explained I was going literally homeless, with no income, and they offered to put a hold on my account ( sound familiar? ). They said or agreed they would freeze my account and not call me for 2 months, giving me time to get situated. Today, they said my account is in collections, not frozen, and had no answer as to why, when I was told it would be put on a freeze. 

I've since received at least 3 calls last week, 2 calls the week before, and one today. They told me last week they would freeze my account, and that they never call more than once a week. I missed a call today and called them back, getting pretty firm with them. 

They told me they " can not honor requests not to call certain days or times '', which it's my understanding the law requires them to honor ( eg for work ). I go to school and it's getting me in trouble, because I have to answer because my grandmother has XXXX. I address this, they say " well it's outside of our technology to limit call times ''. 

I've also not received written notice because I'm, you know, homeless. I'm living off FAFSA, renting a room I can't even use as an address for food stamps or to register my dog. They threatened to have an attorney contact me anyhow, I said " let them, they can't send any certified documents when I'm homeless ''. She continues to express how I have an agreed debt, and if I recall correctly she insinuated something about garnished wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit that I did not authorize I am a victim of identity theft and need these removed this has been so much trouble and problems for me
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuse to investigate the dispute of the following account as they stated it's not me whom presenting the dispute. Which makes no sense at all. That is a stall tactic ... 

Here is the dispute again : Reference CFPB # XXXX I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, XXXX  and TransUnion and have not receive this information. It has been over 30 days. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX I guess the Assignment of Debt was to much for them to handle ; therefore, if they can provide the Validation of Debt for the listed accounts.
Product: Mortgage

In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED CITICARDS XXXX XXXX XXXX {$4900.00} XXXX - XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a pending investigation into XXXX Uiversity for fraudulent practices. My XXXX federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called XXXX multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.
Product: Debt collection

My health insurance was having trouble getting a correct bill from the medical provider XXXX XXXX XXXX. They finally got a final bill AFTER I was sent to collections. They never gave me the opportunity to pay prior to going to collections which I explained to both the Provider and the Collection Agency. After months of going back and forth and proving I should've had a {$0.00} balance I ended up just paying with the promise that they would delete this from my credit since the accounts should've never been there to begin with. Now a month later they STILL have not deleted the collections and refuse to. They refuse to give me any information to their CEO to escalate the issue and they refuse to give me their corporate info so I could file a complaint with them directly.
Product: Prepaid card

I was given 2 {$500.00} Mastercard gift cards for a birthday some years ago. Multiple times I have tried to activate them. The website on the card is broken ( XXXX ) and when the phone number on the card is called, I am asked to fax a picture of my ID or to give my SSN over the phone in order to activate the cards to use them