23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

equifax dropped my credit score by XXXX points on XX/XX/year> remarks were added to the credit report by XXXX XXXX XXXX while this account / loan is under dispute under ftc credit reporting company should not allow remarks or balances to be updated while accounts is under dispute equifax has also failed to block this creditor from reporting Global lending stated this account was being removed from my credit file over the phone I was advised and it is still reporting
Product: Credit reporting or other personal consumer reports

Please see the attached AUD form and response letter from XXXXXXXX XXXX and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed over the documents about this account the car is still reporting on my credit. I since then had XXXX XXXX XXXX. I cant keep going through this I want this car off my credit.I never had a XXXX. I have serious health problems. I am getting the run around. I really need this removed and its hurting me severally. Everytime I think about this my XXXX hurts. Please. They ignore me I can barely breathe less to deal with this. please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 's : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX bank # 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: Checking or savings account

On XX/XX/2022 {$180.00} was transferred from my XXXX account into my money lion account, after which a hotel room was booked on XXXX. I only knew about it when an email came to my email confirming a reservation at a hotel I had just stayed at on the night of the XXXX. I thought this was odd so I called XXXX and they said that I had booked a room and I said but I didnt and they told me they werent doing anything about it because they have no contingencies in place for fraud like that. So I reached out to money lion to file a dispute, only for them to say they werent giving the funds back either because of the transfer Happening right before the purchase, well I didnt make the transfer either. Someone took control of my number and removed the service from my phone and somehow gained access to all Of my info, it has since been changed but nonetheless, Ive had enough issues with the XXXX fraud in the last few months and the last thing I need is to not get my funds back.
Product: Student loan

Many students, including myself, were misled by XXXX into securing predatory private loans to fund education at for-profit online institutions, such as ( your School Here ). I attended from XXXX to XXXX with an original principal loan amount of XXXX. Despite having paid XXXX towards these loans, my current balance stands at XXXX due to an exorbitant interest rate, which currently is 14.875 %. 
Notably, XXXX XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX XXXXXXXX XXXX, the Biden administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling {$46000.00} and the restoration of my credit. 
XXXX, which was sued by the attorneys general of XXXX states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by XXXX were considerably inadequate, excluding many borrowers who took loans for attendance at approximately 150 for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period.

The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 
Moreover, XXXX exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 
XXXX has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, XXXX is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as XXXX is already aware of the affected students. 
Under the FTC 's " Holder Rule, '' XXXX is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged XXXX XXXX to immediately discharge these loans. It is crucial for XXXX to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Product: Mortgage

This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Credit reporting or other personal consumer reports

The credit report from Discover bank shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score Discover : 30 days late payment in XX/XX/year>. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 Western Shamrock Corp. added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt 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, Western Shamrock Corp. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Product: Credit reporting or other personal consumer reports

There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2023 and a balance of {$18000.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$46000.00}. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I XXXX XXXX file XXXX XXXX XXXX, In XXXX my XXXX & I filed XXXX XXXX, & in XXXX we both filed another XXXX XXXX, negative items, that was in XXXX sayed on our credit report after XXXX  years, & the house that we filed the XXXX XXXXXXXX for was not on my XXXX XXXX credit report as a previous address. She once owned that XXXX XXXX XXXX XXXX XXXX XXXX. Her house was illegally taken,
Product: Credit reporting, credit repair services, or other personal consumer reports

Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on Experian XXXX XXXX XXXX XXXX reporting on XXXX and XXXX. 

Four different address on my credit file. 

Covi forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

TRANSUNION 11 XXXX  XXXX  XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} XXXX  XXXX/XXXX  XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX  XXXX ( XXXX ) {$1900.00} XXXX   XXXX  XXXX  ( XXXX  XXXX  ) ACCT # XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX  XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX
Product: Credit card

The issue started in 2023 Comenity took over Dell Payments ( never ever had an issue with them ) and never sent any statements and I could not access my account. I also have a Sephora account through Comenity. When I called them to get access to my Dell account they told me that will have to issue me a new card because even though they took over Dell they can't switch the account. Then they incorrectly closed the Sephora account by setting up a new account and then didn't send me that and when I could not access the Sephora account had to go through hoops to get them to reissue a new card and all this time they still had not set up the new Dell account so I could make payments. It was five months of this back and forth. Finally they corrected everything but have been behind ever since. Every time I get somewhat current they're hitting me with another late fee and are calling me up to 9-10 times a day.
Product: Vehicle loan or lease

I financed my auto loan through Toyota Motor Credit Corporation of XXXX 2015 and was later informed that minorities ( XXXX XXXX, XXXX and XXXX XXXX ) paid higher interest rates then those of XXXX consumers. Which upsettingly has been admitted and confirmed by Toyota Motor Credit Corporation.
Product: Debt collection

Sun Loan company representative kept coming to my house to attempt to collect on a loan that I had informed him I could not pay back. This company kept coming to my apartment and kept calling all my references after I had informed him I was not working. He would have individuals come to my house and not leave until I agreed to talk with a representative over the phone who would call me at the same time the loan was due to be paid. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX They have collection tactics that are illegal and I had no idea I could report these type of communication tactics. Please assist me in getting proper compensation for the abuse and harassment that I have been through with this company they have all information on my loan and they should have all the details recorded in their system. I was working at XXXX  when they came to my place of employment and started to present me in false light to the company I used to work for at that time. Please assist me. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company ( Jefferson Capital System ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian on XX/XX/XXXX. The email quoted " Congratulations your fico score went up! Come see what's unlocked '' then there was a button that said explore card options. Below that it XXXX you've worked hard and your credit score shows it, now see what kind of credit card offer are waiting for you. Its easy your only one click away, don't worry it won't affect your credit score '' I pressed the button where there were several credit card options and i applied for a XXXX  card thinking i was good to go, thinking my credit score would not be affected. I was denied and my credit score went down 7 points and i have an inquiry that will stay on my credit report for 3 years. 

I feel i was mislead by experian thinking my credit score would not be affected. I'm XXXX years old and i did work hard on my credit, i would never put a hard hit on my credit report. My goal is to own a home and experian and their trickery bought me down. I would like for them to remove this inquiry and put my XXXX credit score back to my credit file. Thank you.
Product: Money transfer, virtual currency, or money service

On the night of XX/XX/XXXX, I lost my phone at a house party around XXXX. After searching for several hours, my friends and I found my phone in a bush in my front yard, with its screen cracked. When I opened up my phone, I panicked after seeing that several transactions had been made via XXXX and Venmo to people I did not know. I immediately froze my bank account to prevent the funds from leaving. I then contacted Venmo about the situation, but to my surprise there were already several chats opened with Venmo customer service during the time my phone had been stolen. Extremely worried, I tried to explain to them the situation regarding my device over chat, but I feared that I wasnt conveying my thoughts clearly because I was so stressed. Over the next several days, I reached out to Venmo via both phone call and email to explain the situation better. However, each time, I was provided with a generic response via email, suggesting that they had not read my emails at all. I grew increasingly frustrated, because not only was my bank account still frozen, but I felt like I was doing my part to explain in great detail the situation I was in, with little effort shown on the part of Venmo. Yesterday, they denied my complaint on the basis that the dispute was opened because [ I ] did not receive [ my ] merchandise, when that was not even why I was trying to dispute the payment. This further demonstrates that they did not even read my emails about how my phone had been stolen. I can not even explain how frustrating this process is. Now they have posted a negative balance on my account and threatened to send me to debt action if I do not pay it back, when I DID NOT MAKE THE TRANSACTION AT ALL. Venmo customer service has been extremely inept. Even XXXX was easier to work with and understanding of my situation XXXX returned my money in four days. Not only did Venmo Support not read my emails, but they also took an entire day to respond to each email, and there was no way for me to speak to someone on the phone who could help me with unauthorized transactions. Their only phone support told me that they could note my case but had to send the case details to email support the Account Specialists had no phone line. How is it possible that such a large, seemingly well-respected company had no phone line for cases of high urgency? This has been an absolutely ridiculous process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter disputing incorrect information to XXXX and Experian on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXXXXXX XXXX Date Opened XX/XX/XXXX {$2400.00} XXXX XXXX Date Opened XX/XX/XXXX {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX {$2600.00} inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & XXXX XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Mortgage

Our family applied for a conventional mortgage on a home. We offered {$240000.00} on the home, along with {$5000.00} in case the home did not appraise. We did this due to the fact that there was an issue with other homes in the area not appraising for their purchased value. 
We contacted Chase bank in Arizona who we were referred to. The loan officer ensured that the appraisal would be waived on several occasions over the phone and via text message. Needles to say, he did not have the authority to do so, which he did not tell us. 
Instead, we were accosted by an appraiser who was at the house, unbeknownst to us, or the seller. The appraisal returned lower than expected and we have to cover the cost of both the appraisal and the variance in value. We did not budget for this cost after speaking with the loan officer at Chase  because he told us he could have the appraisal waived and sold us on the fact that JP Morgan Chase does it's own underwriting. 
Subsequently, we determined that this loan officer, and the superior lending manager, did not have our best interests at heart. 
We contacted Chase bank in Michigan who guaranteed that the application can be processed on time, even if it was transferred to the local branch because, again, JP Morgan Chase does it's own underwriting. 
The office in Arizona has since ignored calls and emails and refuses to communicate a reason why they will not transfer the mortgage application to the Michigan office. This puts our ability to close on time in jeopardy. It will also cost use several XXXX dollars due to the Arizona branches loan officer lying about his abilities.
Product: Credit card

On XX/XX/23 I applied for a XXXX XXXX card to receive XXXX points and a {$250.00} credit. The cost for this card is $ XXXX. After spending {$1000.00} I was to receive the XXXX points, but the airline reduced this to XXXX with no explanation. I have tried to get the additional points due to no avail. The only reason I applied for this card was to receive the points and credit. XXXX # : XXXX
Product: Credit card or prepaid card

Cash withdrawal was taken using my credit card number issued by XXXX. At the hour of withdrawal Philliipino Agent of of XXXX call me at my home number and asked if I had made a withdrawal 35 minutes ago, when I stated NO I HAD NOT MADE ANY!!! 
The agent said thank you, we had caught a fraudulent transaction, do not worry we cover you 100 %. I had talked to the reps of XXXX 4 times already about the charge, two times blocked the card, and issued NEW CREDIT CARD!!! However, the {$400.00} and the {$20.00} cash withdrawal fees ARE STILL ON MY CREDIT CARD TO COLLECT!!! 

The use of incompetent, hard-English speaking phillipinoes providing a nightmare type of services and the US oversite does not correct the massive problems! 
I ask that XXXX would receive a strong denunciation of their CREDIT CARD OPERRATION, and correct the instant problem in a timely manner!!!