23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My Equifax score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX  had dropped XXXX to XXXX on XX/XX/18
Product: Money transfer, virtual currency, or money service

I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.
Product: Student loan

Automatic payments are not going through due to Nelnet 's system. The money is in the account and payments have been made on time every month for over a year. Now, all of a sudden, I miss payments due to Nelnet 's fault and they can't help. I called and thought I handled the issue. Welp, same issue the following month. I called again and once again I believe the issue is handled, but we'll see. They will not refund me their {$15.00} ( XXXX ) charge. At this point I'm thinking is my credit being hurt. Nelnet is not going to give you a refund, or make any changes to credit reporting, and/or be responsible for data breaches that are Nelnet 's fault. Good luck. That's how they treat you. It's not the person on the other line 's fault. It's Nelnet.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. 

DISCOVER PERSONAL LO XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove or update the following accounts : XXXX XXXXXXXX XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX
Product: Debt collection

XXXX/XXXX/14 - Received a collection letter from XXXX for a charged off XXXX Credit Card. I worked out payment arrangements of {$25.00} every month for XXXX, XXXX, and XXXX of 2014. Also worked out payment settlement agreement with XXXX of {$2700.00} to be paid in XXXX of 2014 ( gave bank account information for auto drafts of the payments ). XXXX did not honor agreement and sold debt without taking an auto drafts, I called to verify with XXXX where debt went and they could not tell me. I waited to hear something from a new credit collection agency. I did not receive any letters or notifications until I finally received a summons to appear in court on XXXX at XXXX to go to court on XXXX. Unifund CCR LLC based out of Ohio was suing me for the debt that I had originally worked out a settlement agreement with XXXX for {$8100.00} which is a incorrect balance. Disputed the validity of the debit with Unifund via e-mail, in court on XXXX, and via certified letters sent to Unifund and their attorney XXXX based out of XXXX XXXX, MO. Attempted to communicate with Unifund on XXXX via telephone prior to the XXXX court date and they would not discuss the collection. On XXXX, called XXXX and tried to work out the debt however they would not agree to the previous settlement agreement and had to talk to Unifund. I sent certified letters requesting proof of ownership, a valid agreement with my signature from the original creditor XXXX XXXX XXXX Credit Card Company XXXX and an itemized explanation of how they came to the balance. XXXX certified letter was sent on XXXX to Unifund, another certified letter was sent on XXXX to XXXX sent a XXXX request to XXXX on XXXX along with discovery requested by the attorney 's office. At the hearing on XXXX, Attorney XXXX XXXX XXXX provided 2 year 's worth of copies of charges on the XXXX Card but did not provide the proof of ownership nor did they provide a valid agreement with my signature on it. I was given a quick court date after being summoned. I was not allowed to communicate with Unifund and XXXX would not discuss unless I called through a call center and stated that I was not recording the conversation nor was a 3rd party listening but stated that they would be recording the conversation. XXXX call center is using " bullying '' tactics to scare people when they ask up front if you are recording the conversation or if a XXXX party is listening before they will discuss the account with you however, they are allowed to record the conversation on their end. Poor communication on both sides from XXXX and Unifund. Unifund nor did XXXX provide the proof of ownership or my valid signature as requested by certified mail within the XXXX days as requested. I also received signed mail receipts from both Unifund and XXXX showing they received all letters referenced above. I would like to also state that this collection through Unifund nor does this original charged-off XXXX credit card appear on any of my credit reports, I checked all XXXX XXXX
Product: Mortgage

I have provied them 5 times the proof of insurance but still bank when a hed and they fet there insurance and bill me for the paymaent i did paid 2 payment but still bamk has reported in my credit report as a Delinquent account.

Can you please HELP me with probalm.
Product: Debt collection

National credit syst ems ( company who called ) sp oke to a third party about my debt owed to a previous landlord. Call occurred Friday,  XXXX   XXXX ,  2017 . Third party answered the phone,  NCS asked for me, third party asked what the call was in reference to, and NCS stated the reason for the call was an attempt to collect a debt on behalf of [ landlord 's name ]. The third party asked for the company name again to tell me so I could report it and the girl from NCS scr ambled after hearing the plan to report it and said " well I thought you were saying that you were [ my name ] '' and ended up hanging up in a panic
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I applied for an auto loan. I was approved for a loan with an outrageous interest rate and monthly payment of {$800.00}. I was floored. I declined the loan. I was confused because my credit scores with XXXX, XXXX and XXXX are all XXXX at the time. A couple days ago I got a denial letter ( a month after ) from XXXX XXXX ( with whom I already have a car financed ) stating that they wouldnt finance me because Sage Stream had reported a XXXX for a credit score. This is bogus. Sage Stream is a company engaging in shenanigans with certain banks reporting lower scores so that the banks can charge higher interest rates. I advise anyone who sees this to go to the Sage Stream website and freeze their credit report with this company immediately. The authorities and Credit Reporting Agencies should file fraud charges on this company.
Product: Debt collection

They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) Transunion is reporting a duplicate on this account as XXXX  partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.
Product: Student loan

I applied for private student loan forgiveness on XX/XX/24 due to my school engaging in fraudulent activities. I was denied on XXXX because my loans have been paid in full, however my federal student loans are being forgiven with a refund of payments made for to the school closing due to fraudulent practices. It doesn't seem justified that they can deny my claim and make profit off my loans due to interest because they have been paid in full. They are forgiving loans and offering refunds to people who haven't paid in full so I should also receive refund of payments made. I was lied to and caused harm by my school and should be awarded the same forgiveness and refund that other people are getting. I should not be punished further simple because I worked XXXX hours a week and didn't own a car to pay my loans in full and avoid defaulting which would of harmed my cosigner as well.
Product: Debt collection

My insurance company made a mistake between my son and me for a wellness visit that is 100 % covered. This debt was from XXXX XXXX XXXX and purchased by XXXX XXXX. After speaking with my medical insurance this bill was 100 % paid for though the collection agency is not willing to speak with the company they have sold the bill to XXXX XXXX. I have contacted XXXX XXXX XXXX who has confirmed that this bill was paid though cmre will not accept this. The company is XXXX and the bill is from XXXX XXXX. What can I do to resolve this as a customer I am confused as to why the collection company is unwilling to work with me on a paid bill. If I did not pay the bill they would contact me several times a day though for something paid by my insurance they can not work with me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX XXXX XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Payday loan, title loan, or personal loan

I took a loan out from my Wells Fargo 401 ( k ) in XXXX of 2016. The repayment plan is {$300.00} on the XXXX and XXXX of every month for 60 months via an ACH credit transaction initiated by Wells Fargo. 9 times now over the first 3 years of repaying this loan, Wells Fargo has taken out a double payment of {$600.00}. Each time this happens I have to spend an inordinate amount of time on the phone explaining the issue and following up to ensure I am re-credited the over drafted amount. I have also asked them repeatedly to identify the cause of this issue and work to rectify it. This should be a simple transaction for any bank, particularly one the size of Wells Fargo. At this point I have lost all confidence in Wells Fargo as a banking institution and their ability to correct their errors. They clearly don't care about their customers and I'm convinced they won't do anything to fix this issue until a federal agency steps in and forces them to. I am asking for your help. Thank you in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

You can pull up my previous complaint if easier CFPB # XXXX. 

If not here we go. 

On XX/XX/2022 I was notified of an unauthorized hard credit inquiry on my Transunion Credit Report. My credit score at the time prior to this inquiry was XXXX. As a result of this inquiry my score dropped XXXX points on XXXX XXXX. I have been in contact with TransUnion and have gotten nothing but the run around. 
Today I received notification from TransUnion ( file number XXXX ) that my dispute request does not appear, which I was already aware of. The problem is TransUnion refuses to correct my credit score. 
Here is what I know about my score from XXXX XXXX  : XXXX XXXX XX/XX/2022 XXXX ( a drop of XXXX due to unauthorized credit inquiry )XX/XX/2022 XXXX ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX  ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX  ( a increase of XXXX due to balance decreases ). 

I want to know why my score has not been adjusted for the ILLEGAL hard inquiry? 

I know that this has happened to more than myself according to the associate I spoke with on XXXX XXXX. 

A law suit is being filed on my behalf if TransUnion does not respond by XXXX XXXX.
Product: Debt collection

There wasn't a great options for this situation. The Bureaus had used National Enterprise Systems to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from National enterprise systems and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit Card with Comenity Bank/XXXX XXXX XXXX  XXXX that went into collections. I paid over 600 dollars on this account but New York and company and comenity bank keeps reporting the account as a charge off every month and dropping my credit score. The account was paid in full. The original Credit Limit was XXXX and the highest balance reported was XXXX but I paid more than that. Comenity Bank has carelessly handled this account by reporting inaccurate information all the time. Every time I dispute with the consumer reporting agencies they bring it right back to the inaccurate status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finance reported to credit bureaus that I was late 6 times. This is absolutely false. I was never late 6 times. In fact Ally themselves never reported that in previous months. 

They also are contunuing to report a 30 day late payment, when in fact this is incorrect.
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. 

XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXXXXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I got a call from my father today. He has the same name as I do. I am a XXXX. He received harassing call from a company called Warner Asset XXXX. The agent, XXXX XXXX, shared sensitive information with my father about me and an alleged debt of mine that they ( she ) was trying to convince my father was his debt. 

XXXX XXXX asked my father to confirm his birthday and SS #. He would not give the information. When XXXX XXXX asked my father to confirm the birthday and ss # they have on file, he noticed that the birthday was mine. 

Subsequently, XXXX XXXX called my father 's supervisor and, according to him, divulged a lot of false personal information about him, along with some disparaging remarks about dishonesty. 

I have also received a few messages from this company that I have not returned due to the ominous and threatening nature of the message -- use of words like " case '', " judgement '' and more. 

I have no idea what this company is or what they might be trying to pull off here. I have student loans but they are all consolidated. I have also done some online research about Warner Asset Management. They do appear to have a problem with lots of other similar complaints. Their phone number is XXXX.
Product: Consumer Loan

BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.
Product: Mortgage

My home mortgage is financed through Wells Fargo. In XXXX, XXXX, and XXXX, Wells Fargo attempted to foreclose on my home because I was struggling to pay after employment loss. Wells Fargo added astronomical amounts, fees, cost, and loan payments to my mortgage and raised by mortgage payment significantly from just over {$1200.00} a month to now nearly XXXX. I have requested numerous times to be given proof as to why so much more cost and fees were added to my loan along with the missed mortgage payments to the back end during a supposed modification, driving up my monthly mortgage cost but I have not received anything. I believe my mortgage payment is higher than what it should be because of fraudulent added fees and cost, making it more difficult for me to keep up with my payments and save my home. I am a veteran and used my VA loan to purchase this home.
Product: Checking or savings account

On XX/XX/XXXX money lion illegally opened a credit builder plus loan in the amount of {$1000.00} it was placed in a reserve account with moneylion when I noticed this account was open on XX/XX/XXXX I requested that this account be closed. Account was closed on XX/XX/XXXX none of this money was ever in any of my accounts money lion is reporting to all three credit bureaus that I am {$250.00} past due they are trying to charge me {$150.00} for principal and {$100.00} for interest on a loan that I never even received. In two different complaints one complaint States that the roar money account with the remaining {$900.00} placed in a credit reserve account and then on another complaint is stating that the loan amount of {$850.00} money lion will not close this account that I don't owe them any money money lion States that they declined my request to alter or delete the information provided I am also military dependents .money lion has deceived military dependents imposing memberships fees covered on loan payments that I don't actually owe. Money lion has placed this account with collections but is still trying to charge me membership fees every month.