23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In college, I took out two private loans from XXXX XXXX in 3 disbursements, the first was on XX/XX/XXXX for {$4400.00}, XX/XX/XXXX for {$4400.00}, and last on XX/XX/XXXX for {$3100.00}, for a total of {$12000.00}. After graduating from college and the 6 month grace period before entering loan repayment, I was unable to make payments with my current income at the time and used the forbearance option available to me to postpone my payments. At the time, the servicer was Sallie Mae. Total amount owed after graduating and grace period for my two private loans on XX/XX/XXXX was {$15000.00}. After the various periods of forbearance, my balance jumped to {$23000.00} on XX/XX/XXXX. When I started making payments, there was an inconsistency on how the payment was being applied to my principal and interest balances as demonstrated by the document attached. The loan was sold to Navient on XX/XX/XXXX at which the balance remained almost the same at {$23000.00} after two years of making payments. The inconsistency of how the payments I make are being handled is still occurring and after over 5 years making payments, my balance remains at {$19000.00} on XX/XX/XXXX. To this day, I have made {$19000.00} worth of payments that have been inconsistently applied to principal, interest, and fee balances since XX/XX/XXXX. How do I still owe almost the same that I already paid and much more than I originally borrowed? I never agreed to any type of repayment plan where my money was primarily used for interest payments. In addition, I am currently unemployed and have not source of income to continue paying this ridiculous balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2014 a charge-off is still appearing on my XXXX credit report. I have disputed this information with XXXX against the company called XXXX XXXXColony Bands XXXX Inc ... Each time I dispute this charge-off which is still showing an amount owed for {$1900.00} they simply add a new charge-off date reflecting the date of my dispute. This charge-off is over seven years old. I never purchased goods in that amount from that company and the charge off needs to fall off my XXXX credit report.
Product: Debt collection

I had a gym membership with XXXX XXXX and paid the year in full ( including annual fee. ) In XX/XX/XXXX, with no prior notice, the gym closed their doors and emailed the members about having to go to one of their other locations in person in order to cancel. I went to the other location and submitted a cancellation document which stated that we will NOT owe any cancellation fee as they have closed the location. I contacted corporate about the funds due back to me for the months pre-paid - after months of calling and emailing, I finally received a refund of LESS than what was owed to me. I decided to cut my losses and move on - however, today, I received a phone call from XXXX XXXX 's financial services stating that I owe {$49.00} for the XX/XX/XXXXannual fee. I advised them that my membership has been canceled, but after researching, the representative stated that I am still showing as active and that they will send me to collections if it is not paid. I attempted to call the gym, but they have continued to hang up on me. Finally, one of the employees by the name of XXXX advised that she will leave a message for corporate ( a representative from corporate named Dris ) to call me back. She also advised that they are no longer XXXX XXXX as they have been bought out by XXXX XXXX XXXX, so they can not promise to help me any way. 
1. If cancellation was not successful, why was a refund issued to me? ( although it was less than what is owed to me ) 2. It is nearly impossible to ever speak with anyone. They usually will not answer the phone, or if they do, they will hang up immediately, and they never respond to emails. 
3. If they are no longer XXXX, why are they collecting an annual fee for a gym that does not exist? 
4. Per the internet reviews on this gym ( all locations ), it appears that there are SEVERAL people going through the same scenario as I am - including their employees and other contract workers who have completed jobs for their gyms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Checking or savings account

I had charges occur in XX/XX/year> that I didnt authorize and they keep denying me for reasons that make no sense. They tried to tell me that I reported in XX/XX/year> for a claim that happened in XX/XX/year>. I explained that I couldnt foresee the future, so theres no way I called to file a claim 6 months in advance before the unauthorized charges were going to occur. They were speechless. I spoke on speakerphone and there were several people in the room, the phone call will even corroborate that because the customer service operator said she hears other people is it ok to talk in front of them. They heard that I was spoken to like a child, made fun of, was made to be treated like an idiot. They are trying to drag this out to be past their 90 day cut off. They have not gone through and properly read all the notes like I did because they clearly show that the things listed were about different things. They also tried to tell me that had I got a new card in XX/XX/year>, i wouldnt have gotten scammed in XX/XX/year>. Thats insured! I said why would i need a new card when i keep saying I wasnt scammed in XXXX! XXXX my XXXX payment came out and I forgot what it was at first then immediately contacted them and said it was ok, it was my XXXX IPhone charges for my XXXX. They refused to let me speak to anyone else, give me any other email address phone numbers a manager, nothing. Please listen to our recorded calls! All of them and listen to hideous the calls sound. They make no sense. If they would just read all the notes they could see that there are different scenarios that take place in them. They keep lumping them all together for their benefit. Theyre bullying me horribly. I actually cried and wanted to runaway because of how they treated me. I felt useless, stupid, just awful. Ive never experienced anything like this ever! Please, could you please help me to make them take the time to see that they have hurt my feelings badly and to read the notes to get this right? Theyre bullying me so bad. They will not help me p, listen to me nothing. Theyre acting like what they say goes, I have no say in anything, I do not deserve any type of explanation nothing. This isnt right. This isnt how a bank in the US is supposed to be operated.
Product: Debt collection

I was advised by Collection Attorney not to go to final Court Date. 
I was never notified of final court date.
Product: Mortgage

The lending company sent me an email with a link that would allow me to go over the loan documents and e-sign them. I followed all the instructions and reached out to the loan officer to let them know I couldn't access the documents. She went back and forth with me and I was still never able to look at the documents. They say they had the wrong email address and couldn't go in and correct it. Now I have all these charges and no one can tell me what they are for. I would've never agreed to discount points that INCREASED my interest rate, along with prepaid finance charges, seller paid closing costs which actually added to the price of the home, origination fees, that I have no idea what they cover... we're talking about more than {$23000.00} in fees. The house was quoted at XXXX. I put XXXX down. With all these extra fees and point and credits, the XXXX house turned into a {$180000.00} house. And no one seems to be able to provide this information to me.
Product: Credit reporting or other personal consumer reports

I am wanting the following inquiry to be removed from my credit report because I did not authorize this company to run my credit.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX Experian Report Number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my Credit Reports as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed or omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped over 200 points because my credit card utilization rate is 79 %. My I've serviced all of my debt without missing any payments and my score does not reflect this fact. I also have no derogatory marks. I can't refinance my credit card debt with a lower rate personal loan because of my current credit score.
Product: Money transfer, virtual currency, or money service

Hi CFPB Team My concern on my Paypal account that was on hold to permanently not using Paypal service and holding my small fund for 180 days I have register as Paypal user due to I want to start my freelance job in online. It wasn't easy to find one since I was employed but due to this pandemic I lost my job and decided to pursue searching for my next bread and butter online. Which most of them requires paypal for payment of service rendered. 
I thought it was going smoothly that I was willing to wait for the 21 days verification holding policy, since its first time to use account. But upon submission of the required documents they asked my account was limited and can no longer do business with Paypal. 
My first transaction was XX/XX/XXXX and another on the XXXX. I was waiting for the 21 holding period before I want to regularly continue working to earn and received payment on my payapl. 
Please help me on this concern. I need the account as well as the fund in it.
Product: Debt collection

This is not my account. I have never had any dealings with them, the address listed is incorrect and its a fake charge
Product: Credit reporting, credit repair services, or other personal consumer reports

The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between XXXX and Experian credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, XXXX, and Transunion credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : XXXX
Product: Credit reporting or other personal consumer reports

No corporation has my express written permission to report anything about my credit to any credit reporting agency nor do the credit agencies have my express written permission to maintain any reports on me for starters. Secondly, Experian repeatedly continues to report inaccurate information on the report they maintain without my permission that is being reported without my permission and is incorrect on top of that. Experian claims to have done an investigation, but nobody at Experian has sent me one shred of documentation to prove that they have my permission or that the reporting companies have my express written permission and then to add insult to injury, the information, dates, amounts of alleged non existent debt is all wrong. No one has sent me a 1099 C ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to justify a 'charged off ' reporting for one thing as these debts were satisfied long ago. No proof of any debt exists, yet continues to cause me harm and injury from the erroneous reporting by XXXX  XXXX XXXX and XXXX XXXX  to Experian who does not do what they are supposed to to or send me any proof whatsoever because it does not exist.
Product: Checking or savings account

I do not have my debit card as I have never used it and my account online does not display the full account number. I called at XXXX XXXX  and someone named XXXX was rude and snickered at me when I asked for help. He told me he does not have to help me, does not have to identify himself and was the rudest most unprofessional customer service agent o have ever encountered in my LIFE. He is obviously going nowhere fast but thats not my problem. He refused to give me information to anyone o could complain to or help me with my account because I cant verify but how can I verify if Ive never used my account debit card and only used online banking with blacked our information? I went my call listened to by a manager or supervisor. I have the end of it recorded and will be releasing it on social media in 2 weeks if I do not hear from someone. I have a XXXX XXXX XXXX XXXX so you had better believe it will get shares, clicks, and lots of visibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in exhibit C are in fact compliant and not subterfuge? ( ***copied from affidavit attached*** )
Product: Mortgage

In all my previous letters I have written to contact me BY MAIL ONLY, Wells Fargo Agents keep calling my wife business phone number, and they also told my wife they lost my phone number. A Wells Fargo Agent Call today from ( XXXX ) XXXX ; she told my wife that Wells Fargo does not have my phone number and that's why they keep calling her, I have been having business with Wells Fargo since 2013, so, I don't understand how they lost my phone number, regardless of it ; they are harassing my wife with their calls and they really don't understand I just want to communicate by mail.
Product: Debt collection

There has been a collection placed on my account with XXXX. It has shown to me from multiple credit access accounts several different amounts, dates it was opened on etc. 

This amount has not been validated through a judgment nor a wet signature from me. 
I spoke with XXXX about these issues ( after promptly sending letters and disputing on multiple occasions ), we spoke on XX/XX/2023 and they confirmed that they are reporting inaccurate amounts for XXXX and XXXX and have put this in dispute via telephone. 

This will be my complaint amongst multiple.
Product: Credit card or prepaid card

This company is reporting an old account of mines as a charged off.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Bank account or service

After providing Wells Fargo with the Notice of Assessment Reduction on XX/XX/XXXX we received a letter stating that Wells Fargo was increasing the escrow amount that was extracted bi-weekly beginning XX/XX/XXXX. 

We sent XXXX other letters showing the reductions and that the XXXX XXXX insurance amount was also being reduced by XXXX / year and Wells Fargo proceeded to remove the new increased amount on XX/XX/XXXX th. 

This increase caused our account to go overdrawn and we called and attempted to correct this for XXXX weeks. We need to have the previous amount returned and the adjusted reductions applied XXXX so that we can continue with our payment agreements.
Product: Mortgage

When I first purchased my home, we set up where our bank sends $ XXXX towards our mortgage payment, weekly. Which is more that our monthly payment. They keep misapplying our funds and than reporting us as not paying. This is making it very difficult in all other areas of our life. They have not been helpful. I work XXXX hour days, and do not have the time sit on the phone for hours. We have tried to figure out why they won't but they just spin us in circles. I get emails stating our payments have posted, than I get more saying our payment is past due.