23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

not sure if this was the correct option but definitely involved in my complaint. first all representatives were professional and courteous. however i asked to not receive any correspondence except by mail because I've had difficulty getting any correspondence through phone or by email. i have received emails since then against my wishes and was assured by the customer service representatives that i would not receive any. second i have requested correspondence for re applying for the income based payback program. I was told i would be receiving the re enrollment papers in the mail. and have requested them a total of 3 times. i still have not received them ; but was able to receive the letters stating that the credit was being reversed as long as i was to send in the re enrollment papers. i have never received that re enrollment papers. my credit is being affected by this. secondly i got a letter in the mail around XXXX stating that my loans were about to default. i was on the income driven repayment plan and it was deemed a hardship for me to pay my loans. i had applied each time i was sent papers to do so for years. i never received any papers for to reapply which was apart of the agreement for the income driven repayment plan. it shows that i was 9 months behind on payments in XXXX. in other words i wasn't sent reapplication papers and was switched to another plan without my knowledge and no attempt was made to make mne aware of this. my credit is now been hit very hard due to this. i still qualify for no payments. this sounds very close to the definition of fraud. to date have not received any enrollment paper works which i have been told i would be receiving.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted police/identity theft reports to experian, XXXX, XXXX, XXXX to show that accounts from the XXXX XXXX XXXX XXXX are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that XXXX XXXX was paid in full by XXXX  insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 
Dates : dating back since XX/XX/2022 its in their records i can pull up anytime the dates. 
Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX XXXX  still showing i owe them in the amount of {$2000.00}. 

XXXX XXXX XXXX XXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX XXXX has no information on me ever attending the college this has been on my credit report for years not even being my bill.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$990.00} XXXX {$960.00}
Product: Debt collection

In accordance With the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not an account without my written instructions. Under 15USC 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action TyXXXX 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, credit repair services, or other personal consumer reports

Hi I looked at my XXXX  credit report and there are at least 5 fraudulent inquiries with American Express on XX/XX/XXXX and XX/XX/2019 and I never applied for a credit card and I notified American Express and they Mark few credit cards application as fraud and told me they will be removed and never did at all and as for XX/XX/XXXX inquiry American Express told me they don’t go back 6 months and they nothing they can’t do .... and I’ve been waiting and I never received a letter from them I stated that I never applied for a XXXX XXXX  on XX/XX/XXXX and other cards afterwards and I would like for these inquiries removed from my XXXX  credit file
Product: Prepaid card

I bought a XXXX Vanilla gift card from XXXX. 

This company is selling cards with missing card number on the front which prevents customers from checking balances and using the card for online purchases. 

When I reported the issue, the card got deactivated and now I can not be use it. The customer must wait days for an investigation. 

There should be internal control ensuring cards are properly printed.
Product: Credit reporting or other personal consumer reports

While shopping for new car insurance, the new company ( XXXX ) checked by personal data. 
The problem was with Nexis Lexis having incorrect info within their data base. This info came from information incorrectly inputted into their data base. I contacted XXXX XXXX and the info in their system is correct with the prior insurance claim. Some how the data obtained was incorrectly worded and placed into XXXX XXXX data base. I was told by XXXX that they had received info that my prior insurance claim involved an accident with the car being driven by a non-listed driver/policy holder. THIS IS NOT TRUE, It was being driven by one of the listed insured policy holders.

When I called Nexis Lexis they proceeded to be more interested in obtaining personal bio data " to verify my ID '' then to have the issue corrected. I told them the issue with their data and they needed to have the info double checked and corrected by contacting the insurance company. They stated that since they " could not verify me with my name, address, phone number and MI Driver 's Licence number '' they could not do anything to correct the info. They still wanted to obtain my DOB and SSN ; which I told them that they they were not allowed by federal law to even ask for my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my fraud alerts removed from my credit report
Product: Consumer Loan

I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. 
Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.
Product: Debt collection

This is concerning Portfolio Recovery About 6 months ago I got a threatening letter from PRA giving me 30 days to pay a debt or be sued. There was XXXX communication prior to receiving this letter I have no idea what this is about and it does not say who the debt is owed to other than PRA 3 months go by and I get a letter threatening to garnish my wages I haven't worked for the employer that they are listing to go after in nearly 5 years Lastly it says the debt is from 2016 I live in AZ
Product: Mortgage

Co : Specialized Loan Servicing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX URL : www.sls.net Phone : XXXX Total Amount Due : {$620.00} ( As Stated on Statement ) Total Amount Timely Paid : {$620.00} ( XX/XX/XXXX) After Payment Due : {$21.00} ( Rep said will report late if not immediately paid on phone ) Date of call : XX/XX/XXXX Payment Confirmation : {$33.00} ( Rep said no phone fee but charged {$12.00} on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Product: Credit card

The payments made on ( XXXX {$8000.00} and XX/XX/year> - {$1700.00} ) cleared from my account on the XXXX, and XXXX respectively. They have not applied the payments as of today the XXXX. This is the third time this has happened. Looks that they are trying to squeeze fees and overdraft fees, by not allowing the payments to be paid. The even agent on the phone could not answer why.

Sams club Synchrony bank
Product: Credit reporting or other personal consumer reports

Im writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 


these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXXXXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting on my personal credit report. There is a balance showing of {$1900.00} which is invalid. The account has been satisfied and the balance should be showing as {$0.00}. 

Also, the current payment status is showing as Collections/Charge-Off, which is also invalid, as the account has been satisfied and paid in full there is no remaining balance due on the account. The remarks as showing as Charged off as a bad debt, profit and loss write-off, which is also invalid and all of the above is impacting my personal credit report which is generating and invalid credit report score. 

Invalid Inquiries : There are multiple invalid inquiries listed on my personal credit report that I have disputed with the credit reporting agency and have provided the necessary information requested regarding credit fraud and identity theft, some of these inquiries are listed multiple times within days of one another. 

Invalid inquiries include the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. Santander Consumer USA has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get Santander Consumer USA to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX  a number of years ago and now I have problems with my memory and confusion. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is Santander Consumer USA. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021 XXXX XXXX for XXXX XXXX, was removed from my credit report due to fraud issues. They have since changed there name or sold the item that was removed to XXXX XXXX XXXX. I have disputed the item on Experian due to the fact that it goes against credit reporting guidelines because I was not notified of any additional documentation to have the item placed back on my report.
Product: Checking or savings account

I have an ATM dispute. I tried depositing {$7500.00} in ATM on XX/XX/2020. While depositing, the ATM started acting up after I put my money in the ATM. The money door opened up and all the money i had was stuck inside the ATM. I tried pulling my money out but only half of the money was retrieved and the rest was stuck inside the ATM. The ATM went blank and restarted and after which the ATM was in error. I tried opening claim multiple times with bank of america but they keep denying my claim saying that i took the money out. I checked with the bank of america manager at the ATM location and she was able to validated all the issues i mentioned and her daily balance was indeed over by my missing dollar amount of {$4600.00}. I have called them numerous times and visiting the branch office many times but they would not resolve my claim. They forcefully closed my account due to negative balance and now that is being reported in my credit history. I am asking bank of america to fix this issue and the headache it has caused me for this nine months over the money they took from me.
Product: Credit card

On XX/XX/XXXX we made a significant payment of XXXX lowering our high balance we carried for quite some time. Which finally brought the account to just below 50 % of the Card total being utilized. By XX/XX/XXXX, they submitted a hard inquiry to my Credit report without any warning nor authorization and by XX/XX/XXXX the Maximum balance was lowered by half and The available credit is now XXXX dollars ( NOT XXXX ) .. Our payment was made early. ( Its XXXX XX/XX/XXXX ) leaving our balance XXXX down from XXXXWhich Makes our Net credit usage 90 %. That means I was not credited for the payment of XXXX on my credit report show that there was no change at all to an account already in good standing. Causing me Lose points and keep me in a subprime category which is obviously predatory.
Product: Mortgage

For the past two or three months, I have been charged a {$15.00} fee. There is no description or reason listed for the fee on the monthly statements. I reached out to PennyMac and XXXX claims that I was late on my mortgage in XX/XX/2018 and XX/XX/2018. I have NEVER been late on my mortgage. I was participating in a plan because of Hurricane Harvey and as a result, I should never have been charged any fees, penalties, etc.
Product: Debt collection

I made an online purchase with XXXX beauty and used the buy now pay later service Afterpay to buy the items. The XXXX website had some issues when I placed the order on XX/XX/XXXX and my one order was charged twice. XXXX released the authorization hold for the duplicate charge and only charged me for the one time and there should no longer be a secondary duplicate debt from XXXX to be collected by Afterpay. I have contacted Afterpay multiple times and they are refusing to reverse the duplicate charges on my account or refund the money they have already collected and they are attempting to collect the rest of the false debt. If I refuse to pay the false debt or do a stop payment on the automatic collection of the false debt they will affect my credit score by reporting it as an unpaid debt. The false debt amount is {$200.00}, they have already taken {$52.00} from my account on XX/XX/XXXX and refused to refund it and they are attempting to collect the remaining amount of {$150.00} spread out over XXXX more payments of {$52.00}, {$52.00}, and {$52.00} with each payment to be automatically collected every XXXX weeks. I have tried to contact them through their messaging system multiple times and filed a dispute but they are refusing to do anything to reverse the duplicate charge and telling me I have to pay it while they give me the run around and false platitudes that they are working on the problem. Theyre also telling me I need to keep making payments on the false debt while they work on to resolving the issue. In other words they are attempting to collect money from the false debt from me and drawing out the process of reversing the charge so that they can try to take the entire amount from me and keep it.