23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX XXXX, I called my student loan provider Great Lakes to complain that my payments toward my loans were not being applied according to what they published on their website 's " How Payments Are Applied '' page ( https : //www.mygreatlakes.org/educate/knowledge-center/how-payments-are-applied.html ). According to this page " If there are multiple loans in an account, the extra amount ... will be applied to the loan with the highest interest rate ''. However, my payments were being applied across all loans on my account, causing me to accrue more interest. The representative I spoke with claimed to not be aware that this was on the website and helped correct how my future payments would be applied. However, my payments are being misappropriated yet again as of XXXX XXXX. The company continues to publish this deceptive information which had led me to believe that I did not have to provide any specific instructions about how to apply payments that exceeded the minimum amount due. Since I believed what was published on the page, I did not compare my billing statements until XXXX XXXX ; I have been making payments since XXXX XXXX. They never reversed the unfair interest charges that resulted from their misappropriation for the months of XXXX XXXX - XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.
Product: Student loan

I XXXX XXXX have finished putting my daughter through college. There are several loans now serviced through NELNET. I have been harassed for months now, even though all of these loans should still be in deferment. Accordingly, since there has been several different criteria as to how much my payments will be, I request the following : 1 ) A cease and desist on all telephone calls from NELNET, since these calls are abusive and without constructive merit. 

2 ) That all loans go into an immediate deferment until XX/XX/2020. 


3 ) That I will be granted a consolidation of all loans with a reduction in interest rate to 3 %, and with a 15-year payment term. 

My request are reasonable under the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I called Kabbage to close my business checking account ( acct # last XXXX digits XXXX ). I had already brought the account balance to XXXX dollars. The phone rep on the " speciality team '' confirmed during our call on XX/XX/XXXX that because the account balance is XXXX, the account is now closed per my request. 

On XX/XX/XXXX, I received a text message from Kabbage ( SMS code XXXX ) saying a possibly fraudelent charge of {$110.00} was just made on my debit card ( giving me the correct last 4 digits of my card ) at " XXXX XXXX XXXX XXXX ''. I called Kabbage at the phone number listed on my debit card, but customer service was closed for the night. On XX/XX/XXXX I received a voicemail from a number with the number blocked, asking me to call Kabbage regarding fraudelent charges -- however the voicemail did not give a callback number. 

So, on XX/XX/XXXX I called Kabbage again ( via the number listed on the debit card ). Customer service said there is no fraud dept to transfer me to. The first rep, who said he deals with fraud, said he's not able to look in my account to see if any fraudelent charges have been made or confirm whether alerts were sent. So how can I dispute these?! The second rep said she could see that several attempted charges of {$0.00} were made " but don't worry, since your account has a {$0.00} balance these didn't go through. '' Huh?! First of all : 1 ) why is neither rep asking me to confirm/deny recent transactions, like a normal bank fraud system does ; and 2 ) why is my account or debit card even still functional on XX/XX/XXXX when I called on XX/XX/XXXX to close my bank account & Kabbage told me that day my account was closed?! 

On the call today XX/XX/XXXX, the Kabbage rep told me that while I requested to close my account on XX/XX/XXXX, they will keep it open for 60 days " to process any final transactions that may come through. '' They said there is no way for them to close my account at my request until 60 days have passed. 

No. This is unacceptable. I XXXX  'd out my account prior to XX/XX/XXXX in order to close it. I requested on XX/XX/XXXX that the account be closed & they confirmed it was closed. The entire point of closing the business checking account is so that no other transactions are done in the account -- yet today XX/XX/XXXX I discover not only that they HAVEN'T closed the account like they told me they did, but they have a policy to take 60 days before closing the account. Plus, now I am dealing with fraud alerts for ( attempted? actual? who knows! ) debit card transactions on an account that Kabbage had confirmed to me was closed, and which their customer service department has no trained reps to enable me to dispute. 

A quick XXXX searcy brought up a couple of recent personal finance blog posts describing other Kabbage clients dealing with this same problem of debit card fraud charges, alerts, and lack of Kabbage customer fraud support starting in XX/XX/XXXX. 

I want my account closed immediately, as I requested on XX/XX/XXXX.
Product: Mortgage

Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''
Product: Credit card or prepaid card

Someone tried to open up a credit card in my name twice ( XX/XX/23 and XX/XX/23 ) with Capital One Venture card. This resulted in two hard inquiries on my credit report. Both applications were denied after I called Capital One. My credit report now shows 2 hard inquiries that are invalid and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Account # XXXX, ( Date XX/XX/XXXX ), XXXX XXXX XXXX, Account # XXXX ( Date XX/XX/XXXX ) and XXXX XXXX XXXX Account # XXXX ( Date XX/XX/XXXX ) which was disputed by me and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to comply on POLP and PHR request.I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ). 

SANTANDER CONSUMER USA XXXX Date Opened XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report. Its has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a charge from Torrid, the clothing store, for about {$400.00} that I did not make and was not sent a bill, or notice or anything making me aware of the charges but got a letter saying from a collection agency... I did not make these charges and now it is negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit card

ELAN Financial services our Fidelity VISA cards. I made a {$1000.00} payment in XXXX, ELAN credited my account, withdrew the cash several days later from my cash account, then reversed the payment claiming insufficient funds. The {$1000.00} was not refunded as of XX/XX/year>. 
ELAN is now holding all payments, not applying to the credit available and declining charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under.. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, XXXX, XXXX these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re tge posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had LATE PAYMENTS, CHARGE OFFS, AND REPOSSESSIONS on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the XXXX  and this affected my ability to get employment. My rights are being violated. Please Help me! 

I asked XXXX to fix this problem I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. 


LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Please fix these problems
Product: Debt collection

Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

Last Year I had lost my phone and somehow a minor ( XXXX XXXX ) granted access to my cash app account security breach by far, and changed my name and cash tag to replace it with His name and cash tag.I had two direct deposits ( {$1000.00} on XX/XX/ & {$1200.00} ) that I can not get because my job said corporate office take 2 weeks to do changes on accounts. I showed nothing but solid evidence and support that is this is mine I have the print out of the direct deposit, I have the job app that I use the clock in that has my schedule my money when it come in everything on there.I just want what's rightful mines and what I entrusted cash out to have secured for me I showed all available sources that clearly show I am the rightful owner.Cash app claimed only I can get in account but how is that possible when this is your system so you telling me once I'm locked out I'm out and there's no recovery for me to obtain my account this is clearly unprofessional and unacceptable and a bank would never do me like this.
Product: Mortgage

Dear CFPB : I desperately need your assistance. My home is in foreclosure. I had a short sale approved since XX/XX/2018. The buyer and I have been ready, willing and able to close this matter but have been unable to do so because of my lender. Attached is a claim for {$45000.00} which came up during my title search. My insurance company issued a check for damage for {$13000.00} and was not aware that the City of XXXX XXXX ordered the garage demolished as it was a danger to the public and could have collapsed. XXXX XXXX upon reviewing the claim issued another {$18000.00}. My lender is holding over {$31000.00} issued by insurance carrier which should be used to pay my property claim. If they do not pay this claim the City of XXXX XXXX will put a lien against the home and me as the owner for {$45000.00}. My attorney for over 4 weeks has been attempting to resolve this matter. They keep sending her to property loss then to hazard insurance department then back to home retention department and on and on it goes. We are now 13 days from my closing deadline and I am simply getting no where. Not only am I facing my credit be permanently destroyed by having a foreclosure sale instead of a short sale on my credit, but this procrastination is opening me up to {$45000.00} in liability to this contractor. Please help me as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. The creditor Original Creditor : XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so. 

Account Name : ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX** Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C & & 5536 ( a ) ( XXXX ) ( A ) ( -B ) .as highlighted in the CFPB 'S XXXX administrative proceeding ( file XXXX ) against them for similar violations .I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation These are the Account that are inaccurate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX BANK XXXX XXXX  XXXX BANK, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this companyfiled a jugment against myself and tried to garnishee my wages.When I called them via phone to get more details about the account they told me " This is Regarding a XXXX XXXX XXXX Credit Card Account.no futher I called XXXX XXXX and, They told me " WE DO NOT SELL OUR ACCOUNT TO A THIRD PARTY '' THEY SEARCH MY NAME AND PERSONAL INFORMATION GIVEN BY ME. '' THEY TOLD ME YOU DO NOT OWE ANY MONEY TO US. 
Checked my credit report and Icould not find where this account was originated.At the mean time i have this jugment filed in court. 
PLEASE I need help with this particular account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.