23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for?
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX* US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I found fraudulent inquiry in my credit report.pleas remove XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information. Please take immediate action to block and delete the following accounts from my credit report : Collections Accounts : XXXX XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$230.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXX XXXX XXXX  Balance : {$400.00} Original Creditor : XXXX Status : Placed for Collection Removal Date : XXXX/XXXX  XXXX XXXX XXXXXXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX. Status : Placed for Collection Removal Date : XXXX/XXXX  Charge-Offs : XXXXXXXX XXXXXXXX Balance : {$0.00} ( was {$2400.00} ) Status : Sold ; was in Collection Removal Date : XXXX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my claim : A copy of my government-issued ID ( e.g., driver 's license or passport ) A copy of my Social Security card A copy of a police report or FTC Identity Theft Report I request that you complete this investigation promptly and notify me of the outcome. If additional documentation or information is required, please contact me at the information provided below. I appreciate your prompt attention to this matter and look forward to confirmation that these accounts have been blocked and deleted from my credit report. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX  XXXX on XX/XX/2022 Paid the charge off.XXXX  XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. Navy FCU is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data.
Product: Student loan

In XX/XX/2018 my student loan provider, Nelnet, contacted me via email regarding a change to my payment plan and that unless otherwise directed they would be putting the full amount of my payment toward my highest loan amount. The problem with this is that the interest on the other loans was not being paid down first so when I received my account statement in XX/XX/XXXX my total balance had increased by over {$50.00}. 

I contacted Nelnet customer service via phone on XX/XX/2018 and asked them to change my payment allocation back to the old payment method. When I brought up the email from XX/XX/XXXX, they claimed to have no record of this change and their excuse for changing my payment allocation was to help me pay off my loan faster. When I pointed out my loan amount had actually increased due to this change the customer service rep argued with me that it would in fact help pay off my loan faster as if sticking to some sort of script or talking points. After a bit of back and forth the rep did change my loan back to spreading my payment evenly across all loans. 

That is until this payment period of XX/XX/2018 when I noticed that once again the payment had been made to my highest loan amount and allowed interest to accrue on the other loans. This was done without my knowledge or consent and I will be seeking legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an old account on my report, via SYNCB/Care Credit, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand SYNCB/Care Credit provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both SYNCB/Care Credit and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe SYMCB/Care Credit a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum  any negative remarks on it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!
Product: Credit card

On XX/XX/XXXX, a fraudulent charge of {$1700.00} was made on my Bank of America credit card by XXXX XXXX. I had been in the pharmacy, but my charge was for an item under {$4.00}. On XX/XX/XXXX, Bank of America documented the fraud dispute and removed the charges. Without properly performing the necessary inquiry and without proper explanation, Bank of American reinstated the charge the following month. I have repeatedly explained to Bank of America representatives that this charge was fraudulent. Nonetheless, Bank of America has erroneously continued to demand payment for this fraudulent charge and has illegitimately ruined my credit score by over 350 points. On XX/XX/XXXX, Bank of American wrote that it had made the decision to close my credit card. Because of Bank of America 's actions in ruining my credit, I am now unable to obtain any reasonable credit, including another credit card. 

I repeatedly and in good faith attempted to resolve this fraudulent charge but Bank of American has stonewalled with no explanation. The customer service department claims they are unable to access the account and to resolve this issue in any manner. The bank branches that I have visited also say they are powerless to resolve the baseless actions taken by Bank of America. 

Bank of America has repeated harassed me to pay a fraudulent charge that they failed to properly investigate. Bank of America has violated my right to have fair and accurate reporting of my credit information. I have been attempting to work on this issue for months with absolutely no resolution to this problem. Bank of America representatives, including branch employees are at a loss as to what steps to take to correct this problem and cant even access the credit card to rectify the issue. They don't even have a phone number to their legal department and say that they don't even have a legal department. 

I have been a board certified physician in good ethical standing, and good financial status for over 50 years. My reputation and financial status was unblemished until Bank of America recklessly handled the fraud charge on my credit card and erroneously notified credit bureaus that I had not paid my obligations. Bank of American continues to wrongfully claim that I owe them the {$1700.00} charge from XXXX plus penalties and interest. They have been inept, reckless and possibly fraudulent. I relied on them to properly perform their duties with regard to this fraudulent charge.
Product: Credit card

I am extremely frustrated trying to get a key rewards offer by Capital One. If I spent {$500.00} outside of the brands by XXXX XXXX XXXX, and the transactions posted within 14 days of the offer period, XXXX XXXX XXXX XXXX, I would earn {$50.00} in Key Rewards posted to my account within 90 days. I am now going on 5 months without the reward posting. I contacted Capital One on XX/XX/XXXX, got a case number and was told I would hear in 10-12 days by XX/XX/XXXX, but received no response. I called again on XX/XX/XXXX and got another case number assigned and was told I would hear the following week. Again, no response. I called again today XX/XX/XXXX XXXX, and I was told no determination yet. My info is XXXXXXXX XXXX XXXX and clearly shows I followed the terms of the offer. I am constantly told I have {$50.00} on my account, but that {$50.00} is from money spent at the XXXX XXXX store over XXXX, and are separate {$20.00} and {$30.00} rewards, not from the promotion. I am beginning to feel like this promo was some kind of scam and Capital One is not standing behind what they offer.
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it XXXX Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST XXXX # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Product: Credit reporting

I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, i tried to purchase a gift card for XXXX XXXXXXXX XXXX XXXX XXXX for my family who were visiting XXXX, i got an error from the American Express that transaction was unsuccessful. Tried again same error. So my family came back on XX/XX/XXXX. After couple of days i saw a charge on my account that was processed and initiated on XX/XX/2021. After that i tried disputing it and as usual they rejected the claims by forwarding me some fake documentation from the company and when i compliant about it to their executive team no action from them as well. 
Amount was XXXX $
Product: Credit card or prepaid card

AMERICAN EXPRESS credit card offered promotion for 1 year then once I spent the money they abruptly canceled the card and started charging interest right away as well as canceling reward points accumulated for purchases.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : CFPB Case # XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : This is in reference to LexisNexis Risk Solutions response regarding the disputed bankruptcy record case number XXXX associated with my file. While I appreciate the investigation conducted, I respectfully request additional details to validate the claim made by LexisNexis. Specifically : Validation of Address Association : Please provide documentation or direct evidence from XXXX  or any other verified source that clearly links the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to my identity. This evidence should include proof that this address is associated with me beyond simply being included in public records or credit reporting agency databases. 
Verification Process Details : Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full description of the procedures used by LexisNexis to verify the accuracy and completeness of the information. Please include : The steps taken to match my personal identifiers ( e.g., name, social security number, date of birth ) with the disputed bankruptcy record. 
The specific criteria used to confirm that this record should be associated with me. 
Request for Additional Supporting Documentation : LexisNexis stated that the bankruptcy record was verified usin

g my social security number. I request that any supporting documentation or communication substantiating this claim be provided. As per my rights under the FCRA ( 15 U.S.C. 1681i ), I am entitled to request and review this information to ensure the accuracy and completeness of my consumer report. If no further evidence can be provided to substantiate the association of this address or the bankruptcy record with my identity, I request the disputed information be removed from my file promptly. Should further information or clarification be required, please contact me directly at the address provided above. Thank you for your attention to this matter. I look forward to your prompt response and detailed verification. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

This company decided to make up a fraudulent ex parte motion and order to renew civil judgement for a non existent debt. What they did was make outtakes faje city document stating renewing the civil judgement was granted. The problem is, that the judge who " signed '' the court document had been retired for 4 1/2 years. So this company forged the signature of a retired judge on a fraudulent court document. When iI was the court to see what this was abot and have the case number, they said it didn't exist ands it sounds like a scam. When I called the company to address this issue, No one would answer the phone. I had to leave a voicemail in order to get somebody to call me back after calling 6 times. When I got somebody on the phone they Try to tell me That the motion was granted in that I owed this money that I know nothing about and when I had ask them about why the judge that signed the court document hasn't been practicing for 4 and a 1/2 years they had nothing to say. This company is a scam artists and means to be charged with fraud and impersonating a judge.
Product: Checking or savings account

We received letters from Wells Fargo informing us that all of our accounts will be closed by XX/XX/XXXX, with no explanation. We have 3 accounts for my wife and I, and XXXX for our adult children. We called Wells Fargo and they told us it is a business decision and could not offer more information. We had our accounts for nearly 21 years ( Wachovia then acquired by WF )
Product: Money transfer, virtual currency, or money service

The issue is to report a telegraphic transfer. And the bank making issue is the bank of new york mellon. I am a student from XXXX. I sent my fees to XXXX university from XXXX on XXXX XXXX through XXXX XXXX. The sender bank was bank XXXX XXXX. There was a compliance on my transfer which took XXXX weeks to clear than the sender bank said the money has been transferred but it didn't reached the XXXX XXXX and i confirmed it. The bank ran the tracer, XXXX XXXX replied that they sent the transfer to bank of new york and now the information to bank of new york mellon XXXX XXXX XXXX but they are not replying. And its been XXXX months they are not replying on tracer or transferring the transaction to XXXX XXXX ( convera ). I sent the complaint to XXXX  but no reply I am in really need. I have all the documents plz contact as soon as possible.
Product: Credit reporting or other personal consumer reports

Contacted all 3 burueaus multiple times regarding validation for enorrous reporting still have yet to provide that evidence asked for and better yet these problems still persist on my credit report and has not never been deleted investigated or just responded too in lawfully manner everything has been misleading confusing and off during the process Failed to Validation of Debt- Falsely represent or imply that accounts have been sold to innocent purchasers for value Falsely represent or imply that documents are legal process Use any name other than the true name of the debt collectors business, company, or organization abbreviations, numbers are considered false / misleading. 

Unfair Practices False / misleading practices Please take each account that was disputed previously for violating consumer laws 15 USC 1692 Validation of debts False / misleading representations CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). 

Delete each account across all the bureaus for failing to respond, failure to comply and failing to report 100 % accurate information and actually provide factual proof during investigation process Accounts : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued by Portfolio Recovery Associates, LLC for a credit card balance I didn't create.

The attorney for Portfolio Recovery Associates, LLC voluntarily dismissed the case in XX/XX/2020. I waited 90 days for this fraud item to be removed from all of my credit profiles. 
I have emailed the attorney for Portfolio Recovery Associates, LLC requesting documentation that their client actually requested this item be removed from my credit profiles. I was told to continue to be patient. This inaccurate reporting has adversely effected my credit. I do not believe Portfolio Recovery Associates ever made the request to delete this item from my credit profile. If so, they would provide me with the proof as I have requested in writing.