23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I signed up for Autopay in XXXX XX/XX/23. Payment was due XX/XX/23. Today is XX/XX/23 and i didn't see any activity on my checking account so i checked Aidvantage and it doesn't show any payment processing. Instead it shows a past due amount! 
I immediately made a payment XX/XX/23 to not be delinquent. 
I just got off the phone with Aidvantage and the service representative said this won't effect my credit score? The representative said it can take 10-14 days for the Autopay to be set up with the bank. I don't want my credit score showing I missed a payment because Aidvantage is slow. We communicate near the speed of light and yet it takes 10-14 days for Autopay to be set up.
Product: Credit card or prepaid card

I applied for a Wells Fargo VISA card and immediately was charged {$1000.00}, plus a {$30.00} transfer fee. I informed them that I did not transfer anything to my new card. I called immediately and cancelled the card! Wells Fargo sent me a letter stating that I made this transfer and owe them the money. When I asked where I transferred the money from, they said that they couldn't tell. I did not use the card even once! Wells Fargo did something wrong and are not willing to fix it. 

I don't pay interest, late fees or transfer fees.
Product: Debt collection

This is a sworn affidavit of truth that companies herein have written off these debt with the irs for tax credit benefits therefore I demand tge immediate issue of irs form 1099 c and the immediate removal of these accounts from my consumer report failure to meet demand within 15 calander days will result in legal protection for all legal violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently inquired about my account with XXXX XXXX  via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Equifax is reporting an invalid payment history ( XXXX was not recorded in my credit file which is a violation and needs to be removed immediately for violation of FCRA. Also would also attach credit report from XXXX, XXXX which shows XXXX being reported but Equifax isnt reported and shows or comes up at no data in my credit report and because of that, my credit has been messed up and Im barely being accepted for credit offers due to this being reported on my account. 
According to 15 U.S Code 1681i. According to XXXX. credit file it indicated that my account was positive till XXXX  XXXX and Equifax doesnt have no data recorded for my payment from start of creation to XXXX  XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to Equifax, XXXX XXXX  ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i 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 shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.
Product: Debt collection

On XX/XX/2019 when I was FIRST notified of this debt via a hold against the funds in my checking account, I reached out to XXXX XXXX and attempted to make arrangements to repay the debt via suitable arrangements per the rep XXXX, in my cooperative attempt I gave my info and employment info and was told can't make arrangements or even discuss the matrix or criteria of making arrangements until the amount of funds on hold with my bank was verified and she would return my call. No call was returned so I contacted her again and was told half of the debt over {$2100.00} was needed as a down payment although here were questions asked what could you make as a down payment. I offered {$200.00}. She denied. And respectfully I asked for supervisor mame. When I called XXXX XXXX the rep I spoke with advised me neither supervisor was available and that the debt doesn't have to be validated with me and a garnishment order has been sent to the employer that I had provided and that a supervisor will return my request for a call back today ( XXXX at XXXX XXXX. I have had no communication with them about collecting this debt.via mail or written
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I called US Bank and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ). 
I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all XXXX credit bureaus and more score has dropped XXXX points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have been back and forth with XXXX XXXX XXXX attempting to remove this account from my consumer report because the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX auto loan was already on my Experian file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. Experian will not remove the account from my file as I had previously disputed the dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few items on my credit report are being reported inaccurately. When I contact Experian about this, they just provide me a general response and are not carrying out their responsibility to verify the accuracy of this information.
Product: Student loan

From the first time I got out of school in XXXX, I should have been on income based repayment. However, it wasn't until XXXX that I was finally able to do that. Every time they just switched me to a forbearance and got me off the phone as quick as they could. If I had been on income based repayment, even the small payments I wouldve made, would have gone towards my time limit of XXXX years and then the loans would be forgiven. Instead, I have XXXX more years added, and a boatload of interest because NONE of my servicers explained this.
Product: Mortgage

I am a XXXX representing a seller involved of the short sale of th their property. The second lien holder ( a member of the HAMP and HAFA ) program is refusing to approve acceptance of the short sale with the amount of {$12000.00}. afforded to them by the first lienholder in compliance with HAFA rules. Instead, they are using this as an opportunity to collect a debt for much more than that ( {$41000.00} ). 
I have written them and talked to them on several occasions and they have advised me that the loan has been charged off. In my point of view, they are in violation of HAFA guidelines.
Product: Credit card or prepaid card

In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. 
I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. 
Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer.
Product: Debt collection

Fair Collections & Outsourcing is attempting to collect a debt for unpaid rent in violation of Cal. Civ. Code 1788.66. 

I attempted to dispute the collections via XXXX dispute process but the dispute was denied for unknown reasons. 

XXXX and my previous landlord are liable for violating Cal. Civ. Code 1788.66 and I am preparing to file a class action lawsuit seeking damages and imposition of punitive damages pursuant to the code section below. 

Cal. Civ. Code 1788.62 ( ( b ) In the case of a class action, a debt buyer that violates any provision of this title shall be liable for any statutory damages for each named plaintiff as provided in paragraph ( 2 ) of subdivision ( a ). If the court finds that the debt buyer engaged in a pattern and practice of violating any provision of this title, the court may award additional damages to the class in an amount not to exceed the lesser of XXXX XXXX XXXX dollars ( {$500000.00} ) or 1 percent of the net worth of the debt buyer. ) I believe that XXXX is actively purchasing consumer debts in violation of Cal. Civ. Code 1788.66 and request that the CFPB take immediate action to provide relief to other consumers/renters who are qualified for protection as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Product: Mortgage

I am in the process of selling my home, which was paid for with a VA loan. The loan was originated at XXXX XXXX XXXX. I accepted an offer on my home in XX/XX/XXXX from VA buyers intending to assume my loan. On XX/XX/XXXX, my loan was sold to Mr. Cooper. On XX/XX/XXXX, the buyers walked due to a complete lack of communication from Mr. Cooper about the status of the loan or the assumption process that we had been engaged in for nearly four months. I then listed the house for sale again and accepted a new offer on XX/XX/XXXX from VA buyers. On XX/XX/XXXX, we and the buyers emailed the Welcome Packet as instructed by the forms ( including the 3rd party authorization form, assuming party questionnaire, selling party questionnaire, and required identification like social security numbers ) to Mr. Cooper and XXXX XXXX XXXX  with all required information and documentation. It is my understanding that Mr. Cooper has 3 business days to send us a loan estimate and follow up with any additional requests for information in order to render a loan decision within 30 days. The first deadline has been missed and the second deadline is approaching quickly. 



We have not been able to reach a point of contact at Mr. Cooper. Mr. Cooper has disabled its online chat support function since XX/XX/XXXX. When we call customer service, it only loops through automated options with no option to talk to a human customer service representative. The automated options do not include anything about assumptions. The automated options only route us to XXXX XXXX XXXX, who refuse to speak to us as they no longer service the loan. They route us back to the same customer support line at Mr. Cooper. We have found 3 different email contacts at Mr. Cooper, XXXX, XXXX, and XXXX, and we have emailed each account with a summary of our transaction, requests for information, and status. We have not received a reply from any of these email addresses. 


We are extremely frustrated with the lack of communication from Mr. Cooper, which has led to us losing one buyer already and has stalled progress with our second buyer. We believe Mr. Cooper is not fulfilling its obligations to service VA loan assumptions granted as a right to U.S. veterans, evidenced by their lack of communication and tardiness in responding to the applications and materials we have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH CREDIT ACCEPTANCE AND PAID IT OFF ON XX/XX/2022 BOTH CREDIT ACCEPTANCE AND XXXX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL XXXX THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST XXXX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND XXXX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY CREDIT ACCEPTANCE AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO XXXX THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER XXXX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.
Product: Credit card

The payment was made with my credit card thru PayPal and the merchant refunded the money back to me due to no products not available and the PayPal debited from merchant bank account but PayPal not refund money to my credit card they are holding for no reason. 

My name is XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$2000.00}
Product: Debt collection

I made the following payments on XX/XX/2020 to this XXXX XXXX, a debt collector and it is referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; These accounts have been paid and to date Equifax and XXXX XXXX are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and a letter to XXXX XXXX received on XX/XX/2020 they still have not reflected the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurate employer on credit report. I do not work for XXXX XXXX. I work for XXXX  which I have sent my stubs to transunion multiple times only to have it reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Product: Debt collection

This company ran my credit as if they were a creditor and they may have obtained credit, Im not sure. However, they ran my credit 3 times and they are debt collectors, Ive never seen a debt collector run credit. They are not providing credit to me, so, why, would they run my credit? Weird, and a violation of my rights. I never gave permission to portfolio recovery solutions, to run my credit. Not even once, we never spoke, they never asked and I did not give them my personal information. This company was partially the reason I was denied for a home equity loan and a USDA loan to start a farm. Now I have nothing and I cant complete renovations on my house.
Product: Debt collection

Metro Collections Services stole money in a money extortion scheme for XXXX  XXXX  XXXX. They tried and successfully collected on an invalid and illegal debt ( over {$500.00} which is a felony ), as I was not provided the proof of debt that was required to satisfy their claims that I had owed them. After not providing this, Metro Collection Services reports the debt anyways illegally on XXXX. I was in the process of buying a home and they also caused damage with that process due to the illegal debt reported. Metro Collections Services is not a valid debt collection agency and does not have the required licenses to operate, in fact their license was Revoked by the State of Colorado, and they created a new LLC to skirt around the Law.
Product: Debt collection

On XX/XX/2018 I had received a collection letter about medical bills that I allegedly owed to CBSC which is a collection agency. I had discovered that my personal information was in the collection such as my Social Security Number, medical diagnosis, and diagnostic codes. This clearly violates my privacy per HIPPA regulations. I did authorize the release of my protected information and contacted the XXXX, XXXX, and XXXX  to inform them that I did not give authorization to release my protected medical information. I have explained to the 3 bureaus that in order to aquire medical information about myself I have to sign a consent form allowing collection agencies access to my medical charts and billing information. I contacted the original alleged creditors who told me that they did not have any of the billing in question. CBSC had aquired my information illegally for amounts of {$300.00}, {$300.00}, {$270.00}, {$480.00}. I requested a copy of consent form for medical services as proof I received medical services but I have not received them.
Product: Debt collection

In XXXX, I received a written letter from First Federal Credit Control XXXX, noting that I had {$100.00} in past due medical debt from the XXXX XXXX XXXX XXXX and XXXX. I had no record of having this debt, so I went on the First Federal Credit Control XXXX website and filled out a dispute on their site for disputing debts : https : //ffcc.com/disputes. I completed the form and asked for debt validation, including the records associated with the debt. 

I never received any debt validation, in writing, or via phone. Instead, on XX/XX/XXXX, I received a repeat letter noting that I had {$100.00} in past due medical debt. This debt is false, and I've never owed it. Yet, First Federal Credit Control XXXX has reported this debt and had it put on my credit report, which was spotless prior to that. 

I have verified with The XXXX XXXX XXXX XXXX and XXXX that I don't owe them any debt.
Product: Credit reporting or other personal consumer reports

I tried to apply for a credit card through bullion and it told me to contact you guys and this is what I'm doing