23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX I emailed XXXX XXXX  XXXX  for an account summary from my previous schooling in the Winter of XXXX. They responded XX/XX/XXXX with an account summary totaling approximately {$1400.00} ... it was confusing I received two totals one for {$1400.00} and another page with a different total of {$1400.00}. I also received an account summary from the collection agency they sold it to and there was also a mistake on that summary. XX/XX/XXXX I paid the collection agency {$200.00} bringing my account to a total of {$1200.00} but my payment was rescinded the same day. Theres two transactions on XX/XX/XXXX. One showing my payment and one canceling my payment bringing my total back to {$1400.00}. I have a bank statement that shows my payment of {$200.00} to the collection agency. But, the bigger issue is the amount on my credit is {$1900.00}. When my account summarys show totals in the $ XXXX range. So I emailed again on XX/XX/XXXX and asked how did my total get to {$1900.00} if my account summary only shows an amount of {$1400.00}. They responded XX/XX/XXXX and stated the differences were due to collection cost so I asked them to send me an account summary that reflects that total on XX/XX/XXXX. That same day they emailed me another account summary with a different total of {$1700.00} ... still {$200.00} away from the actual {$1900.00} thats on my credit. Not to mention the {$200.00} that I paid to M & M collection agency that was never credited to my account.
Product: Debt collection

I received a phone call about two weeks ago from this company. I didnt receive anything else and this was also my first communication I have gotten. They stated that they were attempting to collect a debt, and I did not know what debt they were talking about. They said I owed {$51.00}, and I was willing to pay online, the woman on the phone said that she would walk me through paying online instead of providing me the web address. I said that I couldnt stay on the phone long because I was at work and asked if she could call the next day. We agreed on XXXX the following day. She never called. On XX/XX/2021, I get a notice in the mail, stating it was collecting a debt. On XX/XX/2021, the notice was sent and on same day, they flagged my account for collections. I never got proper notice, and never got a callback number or email address or web address to contact. I didnt even know HOW to pay the debt let alone know its legitimacy and what the debt was in regards to. They only called me one time and sent one notice, all within the last two weeks. To date, this account is paid in full - despite the lack of communication and proof of legitimacy on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX  claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with XXXX  over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX  they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

XXXX  caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
Product: Student loan

I co-signed a loan for a fellow student in XX/XX/XXXX.

He had several loans with co-signers before this loan.

By XX/XX/XXXX, I was notified I was responsible for his loan payment, after it was in default for several months. 
I have been paying this loan on and off, as instructed, but since XX/XX/XXXX I  have been paying it consistently through Navient. I have made requests to Navient to be released several times. They tell me only the borrower can release me. 
I located the original borrower, and went to his house this past year, he informed me he had applied for loan dismissal - since he claimed bankruptcy due to XXXX in XX/XX/XXXX. 
He also said, all the co-signers except me, were released from their obligation in that bankruptcy court decision. 
He reports he continued to fight for my release, but had no success. 
I am requesting a review of these events. 
The borrower has been helping me to exhaust all avenues to release me from this obligation. Can you please help me.?
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent account from my credit report, as required by law. 
The following fraudulent accounts must be removed immediately : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I had set up an automatic payment account through my bank account for my crate and barrell/syncb credit card. I had the card to make a one time purchase and had set my bank account to pay the minimum. 

An error had occurred with my bank account which caused the automatic payments to stop but I hadn't received any collection calls from crate and barrell and assumed that the statements were current given the automatic payments. Also I had moved and was not receiving the statements to my new house. 

I realized this was happening in XXXX when I received a notice of judgment from a collection agency. The account had over {$600.00} in late fees. I paid the amount on the collection notice in full at {$1700.00} on XX/XX/2022. Then I received an additional notice which said I owed an additional {$79.00} which I paid the day I received it on XX/XX/2022. According to statements that payment ( which was entirely late fees ) was one day late and was charged another {$40.00} on top of that. Since then the account has been accruing interest on that let fee ( the monthly late charged stopped after the last {$79.00} was received ) and is now up to {$70.00} again. 

Again I have only been able to get information from the collection agency as I was very confused as to why I still had a balance. After reading that they should not have let the original late fees pile up to the {$600.00} amount, not only would I like the balance reimbursed and made {$0.00} but I would like reimbursment from some of the interest I had paid, Could you please request this from the creditor?
Product: Credit reporting

I have disputed this XXXX Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this back in XX/XX/2015 to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by XXXX all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said XXXX and XXXX is reporting it this way. So they are giving me the run around. I am at a stall hitting a wall because they are not following the laws here. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with Transunion, and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCR A.  XXXX  and  XXXX  allow for the dispute of inquiries, but ne  ither do a reasonable     and adequate investigation, both completing their " investigations '' in less than 24 hours.
Product: Checking or savings account

I closed my loan account with First Tech Federal Credit Union. On the XXXX of XXXX, I sent a secure email to inquire what the process was to close my remaining account. I made no indication I was ready, only that I wanted to understand the process to prepare. The bank immediately closed my account and removed access rendering me unable to obtain tax documents to prepare my 2020 return. I had intended to complete my return before closing my account. The bank sent me a secure message to inform me of this but since they had remove my online access I could not read this. Upon calling them I was told there were some system issues in generating these statements and it would take at least 10 days to process and they would need to be mailed. The bank had no right to close my accounts, I did not give authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX 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
Product: Credit card

On XX/XX/XXXX, while logging into my American Express account to review transactions for my Blue Preferred card, I stumbled upon an annual membership fee of {$250.00} charged to my American Express Gold card, a card I had previously considered inactive. At the time, I possessed limited recollection of the Gold card 's details, including its application date and when the membership fee commenced. 
Immediately, I initiated contact with American Express customer support ( XXXX ) to apprise them of my lack of awareness regarding the active membership and to formally request a refund for the charged fees. Despite my persistent efforts, my refund requests were consistently denied. 
A subsequent investigation into the matter revealed that I had applied for the Gold card in XXXX. In XX/XX/XXXX, American Express implemented an increase in the annual membership fee to {$250.00}, as communicated to cardholders through written notices. Cardholders were provided with the option to reject this fee increase by contacting American Express before XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
My personal records, including a to-do list from that period, corroborated my proactive response in XX/XX/XXXX. These records indicated that I had indeed contacted American Express during that time to reject the fee increase and cancel the Gold card membership. Following this action, I never used the card again and thus stopped reviewing its credit card statements. 
In contrast to my understanding and actions, American Express continued to levy the annual membership fees from XXXX to XXXX, accumulating a total of {$1200.00}. These charges were executed through an autopay link originally configured for another active American Express card. 
In response to this situation, I sent American Express a formal letter, detailing the events that had transpired and explicitly conveying my request for a full refund of the {$1200.00} erroneously charged over the course of five years. While American Express did respond to my letter by agreeing to refund the membership fee for the current year, I find American Express 's response to be insufficient and not a complete solution, I am therefore pursuing support from the relevant authorities to ensure a fair resolution to this issue.
Product: Debt collection

Ex-wife opened account with XXXX cell phone company in early 2013 in my name for our usage. 

Got divorced in late 2013. 

I changed cell phone carriers from XXXX to XXXX in late 2013. 

Ex-wife did not pay her portion of XXXX cell phone bill. 

Made numerous attempts to collect money from ex-wife to pay XXXX cell phone bill with no success. 

Outstanding XXXX cell phone bill went to collections in amount of {$520.00} Made numerous attempts to reach out to collections agency ( Convergent Outsourcing Inc. ) to settle dispute with no success.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : XXXX. Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information, including the date of last payment, the date opened, and the date last active. 
XXXX. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( TransUnion, XXXX, and XXXX ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA XXXX ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA XXXX ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( XXXX, TransUnion, and XXXX ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Checking or savings account

Response to Complaint XXXX In our phone conversation, XXXX XXXX of Wells Fargo lied that she did not receive my voicemails, she knows XXXX well I called and left voicemails for over a week trying to reach her, she only called after upon me filing rejection notice here with CFPB. She advises me to contact XXXX and when I do, XXXX tells me Wells Fargo owes me a XXXX Character Payment ID that starts with " XXXX ''. Moreover, the Wells Fargo App and Wells Fargo website states the person who scammed me is unregistered with XXXX ( see attached ) the request to return my funds to this same person does not go through! ( see attached ) To make matters worse, I requested to speak to a Wells Fargo supervisor in the claims department regarding this matter on XX/XX/2021 and the phone rep was promised a callback. I *never* received a callback, where is the callback? this is outrageous negligence and how dare you upload my checking statement to the public without blacking out my highly personal transactions and personal routine and without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXXXXXX-Date of Inquiry XX/XX/2020
Product: Credit card or prepaid card

I believe myself to be a victim of Bank of America opening a credit card without my permission as they have been found guilty of systemically doing since at least XXXX a court ruled on XX/XX/XXXX. BOA claims they keep no records of account sign up papers older than 7 years and can not produce evidence to support the sworn affidavit to recover fees. BOA claims the account was opened on XX/XX/XXXX which I dispute. They claim to no longer have the document I signed to initiate and agree to terms of the account. BOA claims I signed at branch with a teller but can not tell me which branch, city, or state. I know this date was not authorized by me. 

BOA lied on a signed affidavit as to the account open date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed Transunion a dispute letter demanding to see verifiable proof on what methods they used to verify my dispute against a collection agency called XXXX XXXX XXXX, XXXX. I have not received a response. On XX/XX/2020 I mailed out a second letter demanding to see what method they used to verify the account in questioned as accurate. I have not received a response. I decided to file a complaint on Transunion because they will not answer any of my letters demanding verifiable proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late remarks is in question.They are inaccurate and misleading. Please help get them out of my report by investigating them and seeing the inaccuries in the report. I am asking for proof about the reports and I havent got any. I appreciate your help.
Product: Credit reporting or other personal consumer reports

This has already been paid but still showing up on my credit
Product: Mortgage

In the progress of closing on a mortgage with JPMorgan Chase ( the lender ), originally scheduled to close by XX/XX/2023 ( 30 days after acceptance ). Throughout the process, we ( myself and my agent ) have expressed that we, and the seller are under strict timelines due to the sellers performing a 1031 exchange. 

The week before closing, the lender reached out via a call stating that the mortgage was " approved '' but that they would call me back after checking some details. The following day, they called me back, and stated that I was short on reserves ( due to previously undisclosed reserve requirements involving current rent etc. ), once those details were sorted out, they further changed the guidance, and stated that they would not accept one of my gifts ( accounting for <10 % of the cash to close + reserves ). After providing additional documentation for that gift, they still refused to accept any funds from that person ( under advice from the loan officer to change the relationship from friend to family for my significant other ). 

At this point it was less then a week to close, and they still refused to provide any status updates to my agent, or the escrow ( who have both been emailing them asking for updates ). Then on the day of closing, they said they would not be able to close on time. 

The following week, they proposed switching the product ( to a different one with obviously worse rates ) in what appears to be an attempt to coerce the buyer ( myself ) into a worse position by preying on the time sensitivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00}. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me. Due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachment ) dated XX/XX/XXXX stating when I have previously stated. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.
Product: Credit reporting or other personal consumer reports

INQUIRIES UNKNOW 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