23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The online system was used to create an account with WellsFargo ( WF ). WF did not create the account. Instead, they advised me to go to the bank for ID verification. I have no intentions of going to any branches in the middle of a pandemic and risk my life with COVID. There was no option given to withdraw or cancel the pending application. Without further contact WF triggered some type of SAR activity on my resulting me unableto procure another checking account with another lender. WF has a history fraudulent activity against subscribers including faking accounts. They have been subject penalties before. WF is a predatory bank which discriminates against non-whites and creates a hostile banking environment for minorities. This is how they force people into signing up with them. I checked XXXX report, it is fine, nothing on there. There is no legal and lawful reason to entrapping me into going into their branch only to open an account and to close the account. Whatever they are doing is awful is another example of the US banking system failure. The entire system needs to be disinfected. It is a plague on humanity. I am not going to their branch. I know I am a real person with real IDs, and I exist. I am not imaginary. I do not need to them verify me. My mother verified me when she gave birth me. I do not want account with this lousy bank, and I do not want to go their branch only to open an account to close right after. You can not even walk down the street with fearing for your life from COVID, police, can not travel, can not sit on airplane, can not open accounts, can not find work, can not get healthcare, and can not do anything. The worse banking system on the planet. At least the XXXX XXXX knew their system did not work and decided to put an end to it. These mega banks do not work for us. This is not a democracy. I have zero agency over these anti-competitive monopoly banks. This is not even free market capitalism. Break these banks up, and distant their hold on consumer power and our ability to control our won funds. This is why the XXXX world welcomes the Rise of XXXX. 
I go through enough verifications in my life. I am being verified for over 30 years now. I can not even XXXX without being verified. XXXX XXXX has less verifications than this god-awful failed system of verifications. Life in America is XXXX, and coloured people are living in a never-ending nightmare. Why dont you tag coloured folks like the XXXX tagged people with tattoos in the camps and chip us like monkeys? I have to verify myself to give them my money. They are delusional if they think I will go in their COVID city branches and interact with them face to face in the middle of the pandemic. I do not even go to the hospital for urgent healthcare. What planet are these people living on?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I made my mortgage payment on line to XXXX. I always make my payments at the end of the month before 12 AM. XXXX assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/17 a little after 9 PM. ( on time ) Upon checking my credit report in XX/XX/2017, I noticed that XXXX reported that I was late on my mortgage payment for XX/XX/2017. XXXX reported that I made the payment on XX/XX/17. I immediately called XXXX to address the issue in XX/XX/2017 and the representative looked up the payment information and admitted that the error was made by XXXX and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called XXXX and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/17 and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after 9 PM and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow XXXX to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that XXXX does not valueme as a loyal customer by putting incorrect and negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

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

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.
Product: Credit reporting

Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever
Product: Debt collection

I have requested the original purchase agreement showing their ownership of this alleged debt. 

Requested a Debt Validation Letter but never got it. 

Dates requested XX/XX/XXXXXXXX  and XX/XX/XXXX.
Product: Student loan

I applied for XXXX benefits, and I received the benefits that were required by XXXX and Loan was paid off in full on XX/XX/year>. Plus, I received a credit balance refund of {$880.00} for over payment on XX/XX/year>. So, the loan has been paid in full and I was not tracking any payments due with Navient anymore. 
I checked account to print loan paid in full letter and see an applied adjustment of {$680.00} on XX/XX/year> and call to figure out what this is, and I'm told that it's a was missed adjustment. I pay it so it wouldn't affect my credit. I paid XXXX payment {$300.00} on XXXX and {$290.00} on XX/XX/year>. Now I have a XXXX balance again thinking everything is complete. I check a few weeks later and again, now there is another applied adjustment of {$690.00} payment is due XX/XX/year>. I need assistance and explanation on why a Loan that's been paid in full. Keeps getting random applied adjustment. I'm going to pay {$690.00} so my credit is not affected but there just going to add another applied adjustment to loan that doesn't exist. I would like all my funds that I have paid to be funded back to me as the loan was paid in full and for Navient to leave me alone and stop make fraudulent adjustment and if there not to explain in detail why they are applying them. As it doesn't make sense.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

1. XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXXXXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I previously reported XXXX XXXX XXXX for fraudulent activities on my account. This was previously removed from my credit history. XXXX XXXX XXXX  used my credit to provide a car to someone else. I provided proof in my previous dispute. Now Modern Adjustment Bureau has added this account back to my credit. The amount and dates are fraudulent. I have previously disputeted Modern Adjustment Bureau with XXXX and XXXX. XXXX did not do a proper investigation to confirm that this charge is not valid and was previously removed. I have included screenshots of the previous removal. I am requesting this to be removed and that Modern Adjustment Bureau be blocked from adding fraudulent activities to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. 
Please help me resolve this issue as soon as possible. 

XXXX XXXX
Product: Student loan

I applied for, and received, PSLF through the temporary waiver. 
I was working with both FedLoan servicing and Federal Student Aid to try to resolve this case.

I have applied for RECONSIDERATION on the FSA website. There has been no resolution and I get emails telling me I can reapply for reconsideration. I have sent many notes/complaints and emails. I have called innumerable times, but most recently on XX/XX/XXXX when I had both FSA and FedLoans on a 3 way call. Both stated they could not help me and blamed the other as the one in charge of fixing the problem. In essence, both refuse to help. They tell me neither can resolve this claim-. 
( case # XXXX XXXX, XXXX, XXXX, XXXX ) I began paying my loans in XX/XX/XXXX. The PSLF program began in XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX, I was employed at XXXX and XXXX XXXX. Both are XXXX XXXX XXXXXXXX entities and have been certified as such by FSA and FedLoans. My jobs were but deemed eligible by FSA and FedLoans. My loans were forgiven under the PSLF waiver.

My loan DISCHARGE date is incorrect and all my loan payments were not counted. 

I made 175 payments, which is 55 payments over the necessary 120 payments for PSLF. 

Essentially, my payments from XXXX were NOT counted/certified by FedLoans.They refuse to go back and certify these payments as my case has been " closed. '' I can not get a refund because no one can certify these payments, though both FSA and FedLoans tell me they see the payments, and that I am owed this money.

My discharge date is INCORRECT. It was set as XX/XX/XXXX. However, 120 payments starting in XX/XX/XXXX would make my discharge date XX/XX/XXXX. That means payments from XX/XX/XXXX to XX/XX/XXXX are over the 120 payments and should be refunded to me. 

I am owed a refund for the overpayment of 55 payments under PSLF program. I paid approximately $ XXXX per payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account, and this address. It does not belong to me. Check attachments.
Product: Credit card or prepaid card

I applied for a discover it credit card I was approved discover then asked for a notarized statement which i faxed and uploaded discover claims they haven't received any documents from me which is a lie
Product: Credit reporting

I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.
Product: Credit reporting or other personal consumer reports

EdFinancial erroneously reported my account 90 days delinquent, and then sold my account to XXXX, who also duplicated the error by placing the account on my credt reports and reporting 90 day delinquency and they haven't even had the account 90 days. Both acts are erroneous and should be removed. XXXX should report paying as agreed with no delinquency at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.
Product: Credit card or prepaid card

Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Resurgent/LVNV Funding ( Acct # XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX, a debt buyer, has engaged in false and misleading practices and has provided misleading forms. Despite my request for a debt validation letter, they have failed to provide it, along with the purchase agreement from the original creditor, chain of title, and cancellation of debt. 

According to FDCPA Section 807, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX has violated this provision by engaging in false and misleading practices. 

Additionally, FDCPA Section 812 states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX has violated this provision by providing misleading forms. 

Furthermore, under 15 USC 1692g, a debt collector must provide a validation notice within five days of the initial communication with a consumer. XXXX XXXX has failed to provide this validation notice, further violating my rights. 

Additionally, 15 USC 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. XXXX XXXX has failed to comply with these responsibilities by reporting inaccurate information and not conducting a reasonable investigation upon my dispute.
Product: Debt collection

I received an email from a credit reporting agency that my score has been affected negatively. I opened the credit report on XXXX, XXXX, and XXXX and saw that " Mercantile Adjmnt Bur '' opened a collections account in my name on XX/XX/XXXX for a 1 month term for {$670.00} then closed the account XX/XX/XXXX. I have received no notice on this account, nor ever have owed collections in my life. I've paid all my payments on time, have excellent credit that was XXXX before this offense. When I called the phone number of this fraudulent agency XXXX, I got a response " You have dialed a number that can not be reached. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have reported to the Federal Trade Commission Identity Theft ( reference number XXXX ) and filed a XXXX XXXX XXXX  complaint ( case # : XXXX ) as well. I have also reported this identity theft case to the XXXX Police Bureau ( case # XXXX ). I received a letter from the Mercantile Adjustments Bureau debt collector post marked XX/XX/XXXX with the utility debt ( XXXX XXXX ) created under my name and social security number for an address in XXXX, Texas. Ive never visited Texas in my life let alone lived there. I called the debt collector at the phone number provided in the letter XXXX and they informed me my dispute is being worked on. This is obvious fraud and needs to be removed from my credit report immediately.
Product: Checking or savings account

I requested {$300.00} on Venmo to my mom. My account was on frozen. Everything is fine. As soon as I received the {$300.00} Venmo froze my account with no reason why no one can tell me what happened or why. Im stuck in Arkansas with my children, and that was the only excess to money that I have. I can not feed my children. Ive been dealing with this since last Friday and now theyre telling me its gon na be another 3 to 5 business days on Monday. I do not know what to do this is extremely important, please help
Product: Credit card or prepaid card

My capital one credit card account ending in XXXX has my registered closing statement date on the XX/XX/XXXX of every month. For the month of XXXX i made a payment that took several days to process from my external bank account. The payment was received and approved by Capital One on XX/XX/2020. And even though the account was paid in full before the statement date Capital One in violation of its cardholder agreement proceeded to charge me interest further attempting to collect on additional interests and fees. I have included pictures, and statements as evidence that Capital One is clearly abusing their cardholder agreement. I have reached out to Capital One and the representatives refused to adjust this and amend their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I made a dispute with Experian because I paid off a debt that was very old ( XXXX  XXXX XXXX XXXX ) & was bought by several debt collection companies. I finally paid it off through XXXX XXXX XXXX & I have proof of the account being paid off. It was another debt collector ( XXXX XXXX ) on my report with the same dollar amount/account ( {$420.00} ) & Experian had no problem deleting that off my report! And I have proof of that. So why won't they delete the account listed under " XXXX ''. I'm really trying my best to fix/clean my credit up but it's kind of hard when then these Credit Reporting Agencies won't comply with your disputes ... .even when you have evidence of the account being paid!!! Can you please help me. Thank you.