23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out a XXXXXXXX XXXX XXXX XXXX XXXX loan through Seedfi in XX/XX/2022. I was paying this loan as scheduled and had every intention to pay it off and complete the contract. However, Seedfi transferred my account to a company under moniker XXXX in XX/XX/2022. When the account got transferred over from Seedfi to XXXX, Seedfi did not sens over the proper/updated documentation for my loan. So, all the payments i had made to Seedfi were not being recognized by XXXX. To further that, XXXX is claiming i had owed them {$4000.00} which made no sense! I immediately reached out to Seedfi for assistance but they refused to assist me and redirected me back to XXXX who refused to accept any supporting documents i had to prove that their information was wrong. Initially, when XXXX took over the account, they had no online platform. They had issued an email to a link that was broken and did not work. To further that, they were sending me e-letters also through email regarding my account that i could not access due to it requiring a passcode which they never provided even when asked. They proceeded to harrass me with calls and continued to give me the run around from XX/XX/2022 and this account became neglected due to all that. I just found out today that this account was sold as a debt to another company and i am completely and utterly frustrated to say the least!
Product: Checking or savings account

I recieve unemployment from the state of Ohio. I was receiving my funds through the reliacard account assigned too me. I received the card back in XXXX and is still the original card. Not a issue with it at all. Until XX/XX/XXXX, I called customer service and they said my card was inactive due too verifying my identity. I needed too fax in 3 documents. Id.. social security number.. 2019 tax return. Confused as too why I proceed too send the said documents. Since than I've resubmitted these documents 5 times, 3 faxes, 2 mobile uploads. Finally on XX/XX/XXXX they accepted the documents and were processing them. I was told 24 to 48 hours and my card should be good. Since than nothing has changed. I called them today and was told the only update was that they were still processing them. I don't understand how they can do this or what the issue is. As a direct result too them blocking my funds I am stuck out of town and homeless. Need answers.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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: Payday loan, title loan, or personal loan

I never received this loan the company showing on my report refused to send me anything verify the validity of the loan or my request for the loan. I have never received any documentation as to anything regarding this and now they are reporting delinquencies on my credit file.
Product: Debt collection

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I have been attempting to dispute an alleged debt via the XXXX online dispute tool being furnished to my XXXX credit report and file by Remex inc, since XX/XX/2021. XXXX has reported Remex INC, partial account # XXXX opened on XXXX XXXX2021Remex inc has failed to produce the original instrument of indebtedness that proves that I am obligated to pay them anything. I never signed a trilateral contract including Remex INC., myself, and XXXX XXXXXXXX XXXX authorizing Remex INC to conduct business on my behalf or on behalf or for XXXX XXXXXXXX XXXX. If Remex INC can not immediately provide to me or produce the original instrument of indebtedness then they shall immediately stop reporting this fraudulent account to any of the credit reporting agencies and must stop attempting to collect this alleged debt! Remex INC is not authorized to obstruct contract law. This is a violation of the truth in lending act as well as the fair debt collection practices act and Remex INC must prove that they are not committing fraud!
Product: Credit reporting or other personal consumer reports

Discover Bank was in error by reporting late payments on my account when they didn't take my automatic payments.
Product: Checking or savings account

Bank of America closed my account and reversed all my fraudulent claims. Did that and didnt tell me why or give me a chance to remove my funds. I have over {$500.00} that is owed to me and I need to contact XXXX to help assist with these claims.
Product: Credit reporting or other personal consumer reports

There should not be any addresses on my credit report besides my current address. Other address I never lived
Product: Student loan

Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

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

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an open mortgage with Ocwen loan servicing opened in XXXX. The house was foreclosed on in XXXX under XXXX. I filed chapter XXXX in XXXX and Ocwen is showing as an open account presently.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN to the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureaus doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX KINGS XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$70.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$11000.00} XXXX  XXXX Balance {$3700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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: Mortgage

I have been a customer of Wells Fargo for many of years since XXXX. I set up for my mortgage company to draft my payment on XX/XX/XXXX and XX/XX/XXXX from my Wells Fargo account.They drafted payment on XX/XX/XXXX. I spoke with XXXX at Wells Fargo yesterday evening and she informed me that my mortgage was sold to XXXX in California on XX/XX/XXXX. I did not received any notification from Wells Fargo. I get all my mails and statements from them. I am currently in bankruptcy and paying arreages. I am concerned about what to do. I know I will contact my attorney, but how can I be sure this is correct. Information was giving, but I will not pay until I am sure this is correct. Need documentation.
Product: Debt collection

Nelnet recently sent me a billing statement in mistake. XXXX XXXX fraudulent consolidation loan is currently being service by the U.S. Department of Education XXXX XXXX XXXX XXXX ).. I am currently waiting on results from the U.S. Department of Education XXXX XXXX identity theft package I sent the XXXX I also told the U.S Department of Education XXXX XXXX I am not going to pay the consolidation loan. Once a student loan goes to the U.S.Department of Education XXXX the loan can not be transfered to another servicer unless it is consolidated or rehabilitation, I chosed neither. 
Nelnet to consult with the U.S. Department of Education XXXX XXXX. Nelnet is not the servicer of XXXX XXXX fraudulent consolidation loan the U.S.Department of Education XXXX XXXX is and Nelnet has no standing in this issue because I am not going to pay. If Nelnet does not answer this complaint with government CFPB I will consider this issue is solved with XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Bank account or service

I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies.

I received " system not available '' massages from all 3 agencies ( Experian, XXXX and XXXX  ). Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.
Product: Student loan

XXXX was my loan servicer provider for almost 4 years, my loans were consolidated before I started to make payments, and Ive been making consecutive on time payments under an IDR plan ever since. I applied for PSLF ( Im a XXXX XXXX XXXX ) and I got into the program, so my loan was transferred to XXXX on XXXX, XXXX. As soon as my loans were transferred I received a letter welcoming me to XXXX and to let me know that I was going to be receiving a letter stating how many payments were going to count towards my forgiveness. I never got the letter, but I did noticed on my statements that my loan was showing in two parts, the subsidized and the unsubsidized portion. The subsidized portion showed 0 payments and the unsubsidized showed 44. I did not understand why was that happening so I called them and they were not able to tell me the reason, so they submitted a review for my account, I called them once a month for a whole year and they told me that it was taking longer than usual to review the accounts. I finally got a call from them on Monday, XX/XX/XXXX they wanted to let me know that the review was ready and that the number of payments remained the same, but they were not able to give me an explanation. I didnt got a letter or anything from them. I still dont understand what is happening, I have all my payment history and my bank statements showing all the payments and it makes no sense to me that if the loans are consolidated they have a different number of qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, Experian https : XXXX? XXXX, XXXX https : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

Experian, XXXX tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature. 

XXXX didn't take any action at all. 

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.
Product: Debt collection

This debt collection agency would not verify this debt advising it was a personal matter when requested detailed information, would not disclose via written communication nor by phone.
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 OAG Child Support XXXX XXXX  ( Texas Child Support SDU ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.
15 USC 1681 S-2A1 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.

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.
Product: Debt collection

Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last payment.
Product: Checking or savings account

Multiple overdraft fees after being charged for not having enough in the main account.
Product: Credit card

US Bank offered a zero percent balance transfer in XX/XX/year>. I completed the form online and the balance transfer was never performed. I called US Bank to find out why they made the offer and then did not execute the balance transfer. I was told they tried to call me but I never responded. I checked my phone records for the number on my profile and no such calls or voicemails were ever left. I incurred an interest charge from XXXX XXXX  in the amount of {$13000.00} on XX/XX/year> as a result of US Bank failing to make the balance transfer. I have again received the same offer and have again submitted a balalance transfer.
Product: Money transfer, virtual currency, or money service

I have been investing thousands of dollars in stocks up to {$7100.00} into my Robinhood account from XXXX XXXX. My account was restricted for depositing too much at once which raised security concerns on their end and they sent me an email to request a call from them on the app which I've been attempting to do for weeks now but still have not been able to get in contact with them. They tried calling me at XXXX in the morning on XX/XX/year> but that is an unreasonable time for me and anytime I try to contact them during the day they never respond. I have expenses that need to be paid and this money was only supposed to be in my account for a month, they are holding my funds not letting me withdraw my money but im still able to sell shares of my stocks which does not make sense to me. I hope you guys can help me get in contact with them so I can provide them with whatever is necessary in order to let me withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my account from XXXX XXXX and XXXX XXXX and they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

After unexpectedly being denied credit, I contacted Sagestream , LLC in writing on XX/XX/19 to request a copy of my credit report. I did not receive a reply. I left a voice mail on XX/XX/19, XX/XX/19, and XX/XX/19 requesting that someone call me back so that I may receive my credit report. Sagestream LLCs answering service says that they will return calls within one business day, but none of my calls have been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Equifax and XXXX has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.