23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I was making payments to United Debt Holdings for a debt with XXXX XXXX. I was making payment of XXXX and I paid them off for that bad debt. However, they kept charging my debt card monthly even after I had completed all required payment. I tried to call the number I was given for them and could never get in touch with anyone. I had to cancel my debit card to stop them. I tried for months to get the payment that was not supposed to be taken back to me, but could never talk to anyone. I just let it go, thinking there was nothing I could too, I was younger and did not know better. In the last year I have been cleaning up my credit report, and paying items slowly as they come. A few months ago, I got a call from my supervisor that someone was calling for me at work, talking to several people saying if I did not call them back I was going to jail and someone was going to be at my job in two hours, saying I missed a court date. My boss gave me the number and I called. They claim to be XXXX XXXX XXXX, they said I owed over XXXX to an old debt. At first they could not give me the exact name of the company I owed. That should had given me red flags, but at the time I was so upset. They eventually said it was with XXXX XXXX. Then I said I had paid them off years ago, and he said could I send him proof. I went home and tore up everything looking for something to show I paid them off. But I had nothing. I don't even have the same bank anymore. So when I called back I was forced to accept that I had to set up payments even though I knew I had paid it, but had nothing to send this company. Otherwise they would had sued me. They only wanted a debit card, could not using a checking account unlike the other companies I was dealing with, because as I said I was cleaning up my credit report and making payment to companies on my own. Well last week I was going through paper work, and found a book I wrote down my monthly payments. And there it was XXXX XXXX, {$98.00} a month, last payment was in XX/XX/XXXX, and I had a phone number by it. I knew I had paid it. So I canceled my debt card so that this company could not get another dime from me. I had already made XXXX payments of XXXX to them, a total of XXXX that I did not even owe. I looked online, and saw complaints after complaints, the same stories of what happened to me. You can not even find the company online ; the phone number is not online. I paid off XXXX XXXX  with United Debt Holdings, and they took more than they should and did not report to the credit bureau. 

Oringally paid off XX/XX/XXXX with United Debt Holdings Contacted by XXXX XXXX XXXX on XX/XX/XXXX Made two Payment of {$100.00} XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about debt already paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card XXXX  that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.
Product: Credit reporting or other personal consumer reports

Back in XXXX or XX/XX/year> I started school at XXXX XXXX. I dropped out of school XXXX of 2006 because I was XXXX XXXX XXXX and was advised by my doctor at the time to be on bed rest. Later on as I was speaking about the money I did in fact borrow prior to me having my baby on XXXX XXXX, 2006 I learned that there was money borrowed after my child was born from that school. So I started taking this matter up with the school itself. In the process of me taking it up with the school, the school closed down. Later I would find out there was a lot of fraudulent activity involving the school somehow taking loans out on students name. Which the school had several lawsuits as well against the school as well. I have put in several disputes in with no luck of getting the loans that were taking out after XX/XX/year> from that school. Those loans are completely fraudulent. The only ones that belong to me were the student loans that I had prior to XXXX of 2006.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with  XXXX . The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to  XXXX  2009.
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The partial account number is  XXXX . The address identification number is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax because my credit score dropped XXXX points in two days without cause. The other two agencies did not show a drop. I called Equifax to ask them to explain why they dropped my score. The Equifax service agent on the phone could not explain why it had such a drastic change. Nothing had changed on my end. Payments were made on time. My balances are lower than the previous month. Equifax could not give me a reason why it dropped. I went online to find out my credit score on their Equifax website and it showed a "? ". I told them even the site showed a "? ". And now, after talking with them, I don't even get the page with the "? '' or the " credit score '' link to where the site should populate and show my score. The " check my score '' link on my site was removed. 

They give me a fictitious score, any score, on their whim without justification nor any answers for their actions. 

My husband pulled up his Equifax account online with no issues. It populates his score through the link that is missing on my site. Identical pages only mine does not have that link. My Equifax online account does not show my score. 
I do not understand why my account dropped XXXX points nor could they give me an explanation why my Equifax website showed "? ". 

I would like an explanation, otherwise, this is pure discrimination. Or, quite possibly, their underhanded attempt for me to sign up for their " raise your score instantly '' propaganda. 

It does not make me happy.
Product: Student loan

Have 4 loans open through Navient all for college everytime I try to get my payments lowered they would just delay my payments and keeps upping the interest on it when Ive called several times to ask to change it to income driven payments they just say to keep it on the payment delay. I am currently out of work due to having a baby and their interest rates keep racking up higher and higher and nothing is being done. And when I ask what repayment plan Im under they wont tell me and its not listed anywhere on my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Equifax 's website XXXX to enroll in the free credit monitoring service. I clicked on the " enroll '' tab and then the " begin enrollment '' button. 

The website presented a " Getting Started '' form where I put my last name, 6 digits of SSN, clicked " I 'm not a robot '', and then clicked the " continue '' button. 

The website then presented a " Thank You '' page saying : " Based on the information provided, we believe that your personal information was not impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXXXXXX. ". I clicked on the " enroll '' button. 

The website presented a form for XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I filled out the personal information, contact information, identity verification, and read the terms and conditions. 
I clicked on the " continue '' button. 

The website presented a page saying : " We have successfully received and are processing your information. Next Step : You will receive an email with a link to finalize your enrollment and activate your product. '' I have not received any email from Equifax. No attempt has been made to deliver an email from Equifax to my email server. No attempt was made to verify my identity using the phone number provided for " identity verfication ''. 

Equifax has not done what it promised.
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX XXXX XXXX OWNER OF THE XXXX XXXX XXXX XXXX, AND I AM MAKING THIS CLAIM BECAUSE XXXX XXXX HAS NOT DELIVERED ME A CHECK WITH THE FUNDS FROM MY ACCOUNT THAT SHOULD ALREADY BE CLOSED, I HAVE MORE THAN TWO MONTHS WAITING FOR A RECEIVED MY MONEY AND THEY NEVER SENT IT TO ME,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that CONSUMER PORTFOLIO XXXX located at XXXX XXXX XXXX XXXX XXXX, CAXXXX ran my credit and that inquiry brought my credit report down and I am now concerned that my identity may have been stolen.
Product: Credit card or prepaid card

Fifth Third Bank is classifying Balance Transfer Fees as " Purchases '' on their credit cards instead of counting the balance transfer fee as part of the transfer itself. This has resulted in consumers being charged interest rates as high as 29 % on the balance transfer fee when taking advantage of a 0 % APR balance transfer offers ( with a 3 % balance transfer fee ). 

Because Fifth Third Bank applies payments to the lowest interest balance first, they make it impossible to avoid this bait and switch on the balance transfer fee interest charge. 

I attempted to point out the misclassification of the balance transfer fee as a purchase to Fifth Third Bank on XX/XX/2019 and they replied on XX/XX/XXXX : " Balance transfer fees are processed as purchases and the purchase interest rate is applied for Balance transfer fee. '' No other bank I have ever dealt with classifies Balance Transfer Fees as " Purchases '' and this is obviously a tactic to incorrectly charge interest to the consumer that they should not be paying. A balance transfer fee is not a purchase and should not be charged or classified as such. Furthermore, this classification was NEVER stated in any of the balance transfer correspondence sent by Fifth Third Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  open : XX/XX/XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

2. XXXX XXXX : XXXX, XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

3. XXXX XXXX : XXXX XXXX, XXXX XXXX lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late XXXX times i admit, i was late on XX/XX/XXXX but only XXXX days it wasn't XXXX days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.
Product: Mortgage

XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.
Product: Vehicle loan or lease

There was a late payment of 30 days late on my CAPITAL ONE AUTO Financial XX/XX/2019. I had made the payment as I always do with the Capital One app and for some reason my payment didn't process as it stated that it did. I went into the branch and also called and showed the payment history and they stated they can't help me being it was a error with the app payment. They stated I was have to contact the credit bureau to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX   XXXX, Chapter XXXX Bankruptcy XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I submitted an application to open an account through Simple Bank. After 2 weeks of not hearing anything, I contacted Simple Bank this morning ( XX/XX/2019 ). 

XXXX explained to me that my application got stuck through the process and there is nothing they can do to push it through. She stated I could apply again but it would more than likely get stuck again. 

I asked her if there were any issues causing this to happen with my application and she stated ... it sometimes happens due to a technical glitch. I asked if I could submit an application or open an account over the phone and was told no. I then asked if I just need to just not open an account with Simple and she stated yes. 

I am beyond confused with this situation and how/why it was so easy to just not accept me as a customer. 

XXXX was also very unsympathetic of the issue and no apologetic. 

I am very disappointed in the lack of service I received today with Simple Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling disputes. Despise using Zelle numerous amount of times and reporting all of this discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the loss of funds was impossible, and that tracking these transactions was unfeasible. The CFBP findings indicate that Zelle has not only neglected to protect its consumers but has also allowed a repeat offenders to exploit the system leaving users to a vulnerable scams. This lack of accountability transparency is very unacceptable and it raises serious concerns about consumer safety
Product: Vehicle loan or lease

XX/XX/XXXX secured loan for used XXXXXXXX XXXX Contacted insurance company to be covered Not long after I called Regional Acceptance Corporation to tell them thaXXXX XXXX XXXXXXXX was doing some shady things about the deductible. My deductible was originally {$2000.00} where the maximum they would take was {$1000.00}. So I had to go back and change that. 

On XX/XX/XXXX they completed my loan and even got me a lower interest rate from before. Her name was XXXX XXXX XXXX. 

Now its XX/XX/XXXX and they sent a letter stating credit denial, termination or change of loan. I already gave them my car note for the month of XXXX. I sent it on XX/XX/XXXX on time payment. 

It appears that this company has unethical finance practices dealing with customers finances while researching online.
Product: Debt collection

Debt recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Bought a debit from XXXX XXXX in the amount of {$320.00} It has been reported to all three credit bureaus that this account was opened on XX/XX/XXXX, and is now in collections. It has an estimated removal date of XX/XX/XXXX. This account has been re-aged. I attempted to dispute this information with all three credit bureaus in XXXX of this year. However, all of them returned my dispute as verified.
Product: Credit reporting or other personal consumer reports

Credit card application was. Made by someone using XXXX XXXX  I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed
Product: Credit reporting or other personal consumer reports

Hello Im XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$25000.00} Needs Attention Overview You have 100 % left to pay on this loan. 

Balance {$25000.00} Highest Balance $ XXXX  Monthly payment {$440.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$18000.00} Needs Attention XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hard inquiries XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX  XXXX : XXXX. XXXX, XXXX + Public records XXXX  XXXX bankruptcy : Bankruptcy XXXX. XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy dismissed/closed XXXX  XXXX bankruptcy : Bankruptcy XXXX. XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy dismissed/closed XXXX  XXXX bankruptcy : Bankruptcy XXXX XXXX, XXXX + {$0.00} XXXX  XXXX bankruptcy
Product: Credit reporting

I will file a lawsuit for Experian committing fraud and stealing {$21.00} from my credit card when the credit and FICO score was free. I do NOT approve of this bill. I did not sign up for any membership. I signed up because it was free. They bring people in with free credit scores {$1.00} and then charge people {$21.00} weeks later. I never even gave them my credit card number. This company is a huge SCAM. The government should not allow this to happen. They are committing white collar crimes and should be subject to punishment. I am not the only one who 's been robbed by this big company. If you read the complaints about this company its endless. Please do something thank you!
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to dispute inaccuracies related to my XXXX  XXXX account ( Account Number : XXXX ) that appear on my credit report. Specifically, the following issues require investigation and correction : Inaccurate Late Payment Record : A late payment for XX/XX/year> is being reported inaccurately. I have no knowledge of this late payment, and I request validation of its accuracy. If it can not be validated, I request its immediate removal from my credit report.

Misleading Remarks : The account contains remarks stating " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete. '' These comments are vague and may negatively impact my credit profile. I request clarification or removal of these comments if they are found to be inaccurate.

Discrepancy in Account Balance Reporting : The accounts highest balance is reported as {$400.00}, which is above the credit limit of {$300.00}. This inconsistency suggests errors in the reporting and requires correction.

Bureau-Specific Reporting Issue : I have noticed that XXXX is the only bureau reporting this inaccurate late payment, while neither Equifax nor XXXX lists this error. This inconsistency raises further concerns about the accuracy of the information.

I have already contacted XXXX XXXX to request a goodwill adjustment for the alleged late payment, given my overall positive payment history. Unfortunately, no resolution has been provided to date.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that your bureau investigate this matter and validate the accuracy of the information provided by XXXX  XXXX. If the disputed items can not be verified, I request their immediate removal or correction.

Attached are copies of supporting documents, including account details and prior correspondence with XXXX XXXX, to assist with your investigation. Please provide me with written confirmation once the investigation is completed and any changes have been made to my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX