23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter has a private student loan with wells Fargo. She has truly a high monthly payment which she was making initially, with my assistance. Then when she could no longer make the higher payments, she called wells Fargo, to see if they would accept lower monthly they payments, they refused to work with her. She started sending them what she could afford, which was {$300.00} a month and now her account is in default. She called them again and they still refused to work with her on a reasonable monthly payment. She has been receiving several harassing phone calls and several letters. She 's at her wit 's end and does n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep reporting information that have been resolved by other credit agencies. Experian I have sent them a certified letter which they sign for. XX/XX/2021. For the removal of XXXX XXXX XXXX from credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX contacted me on XXXX about hair deals. So I booked with her and paid for my hair appointment. On XX/XX/year> She sent me to a random apartment building and was texting me the whole time. And I asked to come down to me and she blocked me. And stole my money all {$600.00}. She asked me to send transaction for my hair and deposit and a squezze in appointment.I need it back I worked hard for it. In the screenshots, you will her texting me and sending me voice messages. she even asked me if I could send her money and she would give it to me in cash. I thought she was a legit hairstylist. She just stole my money and didn't care and robbed me. I did not get my hair done at all. And suffered emotional and financial distress. I have contacted Cash App on many occasions and they will not dispute my charges. And the screenshots in the below, it clearly shows that I did not receive my service. My hair looks hot mess, and I have no money to pay my bills. And the screenshots below you will see to me trying to dispute the charges and explain to them what has happened. She has blocked me on XXXXXXXX XXXX, XXXX, and my number. I have tried to contact her many times and she will not respond. She ran off with my money. 


I was suppose to revive a sew in hair style by XXXX and was blocked and scammed out my money.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report and identified significant inaccuracies related to an account reported by XXXX XXXX  XXXX. The inaccuracies are as follows : XXXX XXXX  XXXX can not provide any paperwork demonstrating a contract between myself and their organization. All documents they have presented come from other parties, which does not constitute proof of validation or verification. The credit report states that the account was " Date Opened '' on XX/XX/XXXX, but the " Report Date '' is XX/XX/XXXX. This inconsistency is another clear error and raises questions about the validity of this entry. The report lists " XXXX XXXX without identifying the name of the entity to whom the account was transferred or sold. The absence of this information constitutes another fraudulent and removable offense. The report reflects no payment history under " Frequency of Payment History, '' yet it lists the account as late. It is impossible to have no payment history and simultaneously report late payments without providing any supporting evidence, which is another infraction against my credit report. Additionally, I have provided an affidavit from the government affirming that this information is inaccurate and fraudulent, along with supporting documents such as my Social Security card and ID to prove my identity and refute any association with this account. I have already conducted a full identity fraud validation, and both Equifax and XXXX have removed this information from my credit report. Despite this, XXXX XXXX  XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not removing this unverifiable and inaccurate information. Given these errors, I am requesting the immediate removal of this account from my credit and tenant reports. Failure to address these violations will leave me no choice but to pursue legal action, as I have already consulted with legal counsel regarding this matter. Thank you for your immediate attention to this issue. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

CAPITAL ONE BANK USA N Account Number : XXXX Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Vehicle loan or lease

I leased the vehicle in XX/XX/XXXX, the vehicle started breaking down with check engine, transmission and battery lights on. I took the vehicle back to XXXX XXXX XXXX on XXXX XXXX twice to be fixed but continued to have the same problems, the third time I called about the same issue XXXX XXXX blocked me from calling them and never followed up with promise to come to my house to put a reader on the car to figure out the problem. I paid {$700.00} to get the car running again. I left my job in XX/XX/XXXX because I hadnt received a paycheck for XXXX  days and missed XXXX car payments. I immediately contacted XXXX to set up a payment arrangement or to see what options I had. I explained my situation and They stated I had no options except to pay the full balance. I kept paying what I could and once I got a new job I contacted XXXX again to report the new employment and attempted to make a payment arrangement. They advised I still had No options and needed to make a full payment or they would repossess the vehicle. I received a text from someone in the company who told me the vehicle would not be recovered after our conversation but the car was taken the very next day. The guy who towed the car advised XXXX doesnt make payment arrangements until the car is recovered. I called back and was told I needed to pay the entire balance plus storage and recovery fees. I received a paycheck into my bank account and planned to pay the entire amount to get the car back however my wallet was In the car when it was recovered and I have no way to get the wallet to make the payment. The tow yard is only open from XXXX XXXX XXXX I work XXXX XXXX XXXX. I made every attempt to pay but XXXX made it impossible. I asked that my property be mailed to me they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.
Product: Debt collection

When covid started I received a decrease in hours of my work so I had to cut any bills possible in my home. I stopped my XXXX  XXXX  services and paid the full amount at that time. They have proceeded to to claim I didnt pay my bill, charge me penalty fees and and put it into collections to destroy my credit. I've also received derogatory and threatening messages. I have disputed this several times and they continue to report it on all my credit bureau 's ea month. They have also contacted experian to put a lock on my credit report where I can no longer dispute their Collections item.It has decreased my score almost 50 points, and threatens my ability to get a better job or to get a fair rate on car insurance insurance for me and my son. I am a single mom and have been struggling since my divorce. I have reached out to this company and sent them several emails even asking asking for a settlement, but I do not feel at tjis point that I should have to pay a dime when I that I should have to pay a dime when I paid my previous bills in full. I also requested covid support assistance during the pandemic to write off this supposed bill and received no response. Please help me.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts pop up on my credit report today, and I honestly dont understand how this could have happened. Ive always checked my credit report without issues, but this time, errors appeared out of nowhere. I even tried refreshing the page, thinking it might just be a technical problem, but the discrepancies didnt go away. I feel so lost and helpless, and Im begging for someone to carefully review the documents I submitted to resolve this and give me peace of mind.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 or prepaid card

On XX/XX/2020, I was contacted by my employer 's Human Resources Department to inform me that they had received an unemployment claim on my behalf. I let them know that this was fraudulent and then I filed a report with the Illinois Department of Employment Security ( IDES ). I was advised by IDES to review my credit report with each of the three bureaus. 

When I reviewed my credit report on XX/XX/2020, I noticed an incorrect address as well as an account that I never created - the account type is a credit card and the account name is SYNCB/PPC. In addition, the credit report flagged this account as " Potentially Negative. '' After reviewing the information about this account, it became apparent that this was not a credit card I had opened as I did not even know it existed, so I first contacted the company and they immediately canceled the account and started an investigation. The credit card company confirmed that the address on file for this card matches the incorrect address listed on my credit report. 

I am now filing this report and will be reporting this to local police as well as the other two credit bureaus.
Product: Credit reporting

Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX
Product: Debt collection

We had an appointment for my daughter to visit XXXX XXXX on XX/XX/18 to get the XXXX vaccine, and to check on an XXXX XXXX ( because you cant get the vaccine if the XXXX is still there ). My wife called the office the day before the appointment to see if they had the vaccine in stock. She was told that they did not, so she went ahead and requested to cancel the appointment. Then we received this {$25.00} " no show '' fee. We called the number on the statement and they said they cant help us and we need ro speak to the provider. We called the provider and they said that we need to speak to XXXX at the XXXX county office. We called her and left a message. She did not respond or call back. So we called the billing back and told them that we cant get through ( I did try again ). They opened a case and I was told they would get back to me. They did not get back. Meanwhile I receive a " FINAL NOTICE '' before it goes to collections. I called them back for an update. They did not have one and said they would call me back. THEY DID NOT CALL ME BACK AND NOW IT IS IN COLLECTIONS. I tried contacting the collection agency ( APEX ASSET COLLECTION ) by email ( listed on their website ) and I HAVE GOTTEN NO RESPONSE. If a company has a charge they should be obligated to at least TALK TO THE CUSTOMER!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.
Product: Mortgage

I had a XXXX mortgage with XXXX XXXX XXXX. I requested under HARP a loan modification. 
XXXX XXXX XXXX approved me for the loan modification. I was instructed to make XXXX payments for XXXX months in a row of {$2800.00} each. I made these payments. 
XXXX XXXX XXXX sold my loan to Nationstar Mortgage. Since this happened in XX/XX/XXXX, I have had a nightmare of problems with Nationstar. 
They did not accept the former XXXX XXXX XXXX loan modification. They are insistent this loan is a Home Equity Loan which they refuse to modify. IT IS NOT A HOME EQUITY LOAN. It is a XXXX MORTGAGE. 
For the past XXXX years I have tried to get Nationstar honor the agreement I had with XXXX XXXX XXXX for a loan modification and they have denied my multiple requests. 
I have spoken to at least XXXX loan representatives at Nationstar and can not get anyone to speak to me. 
I had XXXX representative tell me to make the monthly payments of almost {$3000.00} and I sent these payments on time to Nationstar. 
In XX/XX/XXXX, these payments were returned to me in the form of a Nationstar checks. 
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.
Product: Credit reporting

I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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

My name is XXXX ; XXXX XXXX The XXXX for XXXX  XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Your financial institution of Wells Fargo bank mailed in a billing statement with the wrong amount. The amount showing on the billing statement is a positive balance of {$480.00}. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Excessive overdraft fees. Transition days are always finalized on same day when money is coming next day to finalize overdraft charge. If not overdraft charge is convenient, bank takes DAYS to finalize transactions. If bank sees it convenient to charge one before the day before payday, they immediately finalize payment same day. 

Why do they allow merchants to charge if there is no money in the bank? Dont allow the merchants to charge! Theres no money! Ive spoken numerous times with bank. 

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 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: Debt collection

The collection company never sent me a notice that they had the account as required within five days of them receiving the alleged debt. I found out the amount by pulling my credit report two YEARS later. On XX/XX/XXXX I was seen at the emergency room of XXXX XXXX XXXX in XXXX XXXX, CA. I never received an invoice from XXXX. They turned my account over to Progressive Management Systems for collection. XXXX XXXX NEVER sent me anything, just reported my account to the three collection agencies. On XX/XX/XXXX I sent a payment for delete letter, which has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and Experian. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Product: Debt collection

Hello. I received an invoice from XXXX XXXX XXXX for the services provided. I made full payment of balance due on XX/XX/2021 and received a confirmation email from XXXX XXXX for that payment. Yesterday I received a debt collection notice from debt collection agency PCB that I owe balance of {$60.00} and they are sending notice to collect this debt. 
This collection notice has raised my XXXX XXXX because I don't owe any debt to XXXX XXXX XXXX. This is a harassment to consumer without verifying if he/she owes any debt. 
Is there any Government Agency who can control this unnecessary harassment to consumers?

I have attached collection notice as well as payment confirmation email for reference. 

Thanks. 
XXXX XXXX
Product: Student loan

To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.
Product: Credit reporting

I was a victim of identity theft and sent affidavit stating such. I have numerous inquiries that I did n't authorize. 

XXXX
Product: Debt collection

Multiple times I called them and tried to tell them there was a problem with their system. I could not pay my bill. I would pay it, it would post, and then it would get get " kicked '' I even called them with my bank on phone and my bank said there was no problem and didn't see a decline charge. My bank account was good. This has caused my payment not to be be paid, which in turn caused late fee. This is synchrony financial and i have about 5 cards from different places through them. Now, they call and text repeatedly, even on weekends. The late fees are not what I understand the new law to be. They are XXXX XXXXXXXX {$40.00}. I even tried to pay my last bill with a different account and got the same result. They are insistent that it says no bank information found. I explained to them that they are the only ones that I can not pay.