23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Fed Loan services to change my student loan to an extended pay to get approved for my mortgage. The first time I called they told me that all that would happen is that I would have to opt out of IBR and then they would put me on an extended payment which would take about 10 days. I then spoke to a supervisor to try to expedite the process since I am currently living in a hotel for two months and need a letter stating what my payments would be under the extended pay so that I can get approved for my mortgage. The supervisor stated that I would have to make a payment first and that I could then be switched over. Fast forward to a week later, I called and a supervisor by the name of XXXX said that the payment I made would not count because I needed to get a bill first before I made a payment. After that it would take 2-3 billing cycles before they could switch me and give me a letter. At this point I became very frustrated because I was due to close on my house on XX/XX/XXXX and could not because of this. I explained to them that I needed a letter just a letter stating what my payments would be so that I could have a house to live in since I am basically homeless at the moment. XXXX would not budge or help me and was very rude telling me that I did n't understnad the process and that I would just have to wait the 2-3 billing cylces and that no one could help me with that. Crying at this point I asked to speak to his supervisor. She was helpful and said she would check on my account and call me to keep me posted. One week later, I am still waiting on a call from her. She has not called me to inform me and when I call I get the run around from everyone. Today XX/XX/XXXX, I am unable to close on my home on XX/XX/XXXX as scheduled. They said they are waiting on a payment ot post ( which the money has already been taken out of our bank account ) and that it would take them 5 business days to generate the letter which still does not allow me to close on my house on the scheduled date. All I need is a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Needed to temporarily unlock my account. Unable to do through on line system due to inconsistencies. Tried multiple ways to get to a live person to get this resolved. Even did an on-line search about how to get talk to a live person. Apparently this is a common problem with experian. System told me to submit documents via us snail mail. Home loan is waiting on this report and doing it Thru the mail is too slow. Its ridiculous that I cant reach a live person when the automated system cant resolve the problem. Very frustrating since I depend on them without a choice and they have nothing in place to problem solve with customers who fall out of the normal algorithms.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Account XXXX XXXX XXXXXXXX # XXXX Dear Credit Officer, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete.

2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report.

3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account.

After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors.

Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, XXXX, and TransUnion ). 

Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. 

Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. 

Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. 

Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I engaged in a transaction with a seller on the application OfferUp to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I completed a purchase for {$310.00} dollars on XX/XX/year> via the Venmo application. Upon completing the transaction, the seller went " cold '' and stop replying to messages leading me to believe that I had essentially gotten scammed. 

I opened an dispute through the Venmo application for the transaction on XX/XX/year> mentioning that the item was never shipped since the seller effectively stopped responding to messages ( it had been a very engaged back and forth while arranging the payment details ). Upon filing the dispute, the seller immediately responded and provided a XXXX tracking number leading me to believe that the item had been shipped and the transaction was going to proceed as expected. I thus canceled the dispute since " Not Shipped '' was not necessarily true at the time on the same day, XX/XX/year>. 

However, the provided tracking number has not been updated in any way shape or form since the original date of the transaction despite the vendor claiming that the item was shipped and dropped off at XXXX. Upon trying to reopen the dispute on XX/XX/year>, Venmo is claiming that the dispute can not be reopen since I had closed the original one and that there is nothing else that can be done from a customer protection standpoint. 

Venmo claims that, due to a claim being opened and closed by me ( it never went to arbitration ), no additional claims can be opened and despite the high likelihood of me not receiving the item there is no consumer protection that is eligible.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this cwomplaint stating it is not me. I am a natural persrson and a consumer.
Product: Checking or savings account

I received a message from square stating on XX/XX/XXXX After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details They have yet to explain why my account has been canceled. They said my money would be available XXXX XX/XX/year>, however its not available and no one will respond or to sent calls. I emailed three times in XXXX, in XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. Thank you.
Product: Money transfer, virtual currency, or money service

XXXX has been sending me payment request and it will not payment request. Ive been charging my debit card {$55.00} or whatever every single month for a while now several months and I blocked every single transaction and then they just had a different name every time so it was XXXX the first time and then XXXX the second time and then XXXX  after that and not literally whatever of course but whatever they used for that attempt Anyways I filed a charge back with cash app and within a day they had denied my charge back I had called and spoke with XXXX. XXXX has told me several times they dont have an account for me so they cant look anything up. They cant help me because they dont have an account for me so obviously somebodys using my debit card on their platform, but they wont help me with that so I contacted Cash App because they have a legal requirement to investigate. They obviously did no investigation And however, they still denied my claim after 24 hours which is astonishingly fast to get documents and do an investigation, but they did obviously did no investigation so after they denied my claim I call or I spoke with them over chat and asked for the documents they used to deny my claim, and they said that they had to transfer me to a specialty team and so I allowed that of course and then a week or two later I still havent heard from them so I contacted them again and asked them again for the for the documents they used to deny my claim And they said the same thing we have to transfer you to a specialty team and then nothing again two weeks now this is four weeks five weeks later still nothing so Ive contacted them again and asked for the documents theyve used to deny my claim and they said the same thing well have to transfer you to a specialty team and then nothing again for two weeks so now were going on two months and lie after lie after lie after lie no one contacts me. There was obviously no investigation whatsoever done they have a legal requirement to do an investigation, but they didnt. They just denied my claim so they didnt lose the money. Despite the fact that I blocked the merchant over and over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2000.00} on the XXXX  XXXX XXXX partial account ****XXXX. ( Please see page attached from my credit report. ) This collection is completely unsubstantiated and is reporting in error. The management company is falsely accusing me of damaging carpet to a unit I previously rented. This damage to the carpet was done prior to my moving in, and before I committed to the unit, I met with the complex manager and pointed out the existing damage to the carpet. The replacment of the carpet is not my responsibility. I did not damage the carpet and therefore should not be responsible for replacing it. I have contacted the ( 2 ) bureaus to remove this collection item from my report however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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 purpose.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Product: Debt collection

My dad and mom had an account credit card with Chase. He died in XX/XX/XXXX. My mom filed bankrupt in XX/XX/XXXX. Account # XXXX. Now the account is on my credit report showing as mine in XX/XX/XXXX as a charge off. Chase has already been guilty of this practice before of selling bad debt.My SSN somehow got tied to this account. Ive never had an account with these Chase people. Contacted Chase and given the run around. Sent them my dads death certificate and moms bankrupt papers with no luck.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Consumer Loan

I had a loan with Wells Fargo Bank that I had been paying on for years. I had XXXX loans. ( 1 ) Mortgage payment, ( 2 ) XXXX charge card, ( 3 ) installment loan. I had paid faithfully until I was XXXX and was in an accident. I am also in a XXXX and unable to get around well alone. I am also a Senior Citizen. 
I explained to Wells Fargo Collections Dept. before they contacted me and let them know I was having a hard time paying them in XXXX due to unexpected hospital bills and Doctor bills. I asked them if they would waive the interest or late fees until I could catch up and I would make payments so I would not be too far behind. They said no. I was behind in XXXX and XXXX. I finally borrowed the money to get them off of my back so I would not be continuously harassed. 
On XX/XX/2016, I took & XXXX to Wells Fargo drive in window to pay on my loan, I paid {$200.00} on my charge card account and I had already paid my Mortgage on the XXXX when I got my Social Security Check. I was completely paid up, I also put {$300.00} in my checking account to cover XXXX other bills, XXXX for {$100.00} and XXXX for {$150.00}. On XX/XX/2016 I checked my balance and I only had {$28.00} left but I knew the XXXX checks that I had paid on the other XXXX accounts had not been paid. I checked and realized Wells Fargo XXXX Department had pulled out another payment, plus late charges plus interests. After I had paid them XXXX payments they took another XXXX. this prevented my other checks from clearing. I contacted the bank to express my dissatisfaction with what had happened to me and I was told there was nothing anyone could do because The Collections Department was a separate department. They told me I could file a claim which I did but the Collections Department said they could put the money back when they got ready and they were going to take 10 business days before they did that. It is now XX/XX/2016, My account is at - {$150.00} they added a bounce check fee on top of the money they took out of my account which they should never had gotten. 
My main concern is I only get {$XXXX} from Social Security and my house note is {$760.00} per month. which is paid to Wells Fargo every month. The collections department knows this and has access to my account. They know what a hardship I am having and for them to know how much I am struggling with the illnesses that I have is abuse and heartless. I am afraid that if they have not put my money back in the bank by the XXXX I could not pay my house note and could get behind which would possibly lead to foreclosure. This is not fair to me since I have tried to get some help from Wells Fargo and there does not seem to be any help available. I have outstanding debts from collection departments from the hospital, doctor 's offices, collections departments and every where else. I need to be advised or put in touch with a lawyer that can help me without charging a fee which I can not afford to pay.
Product: Debt collection

I write to you with an increasing sense of frustration and disbelief regarding the fraudulent accounts poisoning my credit report. It has become abundantly clear that your organization is either woefully incompetent or deliberately indifferent to the damage this is causing to my financial well-being. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests This is my final request for an immediate and aggressive resolution to this matter. I demand, without room for negotiation, the aggressive removal of these fraudulent accounts from my credit report. The time for excuses and delays is over. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

This is not a mere request ; it is a final demand for the rectification of a gross violation of my rights as a consumer. The incompetence or indifference displayed thus far is inexcusable. 

Failure to comply with this final demand will leave me with no alternative but to pursue legal action, report your negligence to regulatory authorities, and utilize every available means to expose your organization 's failure to protect consumers. 

I expect written confirmation of the aggressive removal of these fraudulent accounts within 7 days from the date of this letter. Any further delay will be considered a direct affront to my rights and will be dealt with accordingly. Consider this letter your last chance to salvage what is left of your organization 's credibility in my eyes.
Product: Credit card

I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to XXXX credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I immediately made a full payment on my account and do n't have any outstanding charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.