23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted Conduent Education services many times via e-mail and phone. Their customer service always goes through an automated system, which doesn't allow us to talk to an actual human being. 

Keeps saying I can't login or reister. I've gotten a " service you just requested is temporarily unavailable '' error for days now. I try contacting them and it prompts to enter your SSN and it says my SSN is not registered. 

I emailed them and given them my account number and it keeps saying it doesn't exist. Also that my information doesn't match with my SS, which I provided them I can't even register or call to pay off my loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reported charge-off on my credit profile regarding Acct XXXX XXXX. It has come to my attention that the balance of this charge-off is being inaccurately reported, despite the fact that the balance was reduced due to the sale of the vehicle associated with the account. 

As per the Internal Revenue Service ( IRS ) regulations, a charge-off denotes canceled debt, which is recognized as ordinary income. It is worth noting that the company in question has correctly filed this charge-off on their taxes. However, it appears that this canceled debt is still erroneously reflected as an outstanding balance on my credit profile. 

Despite numerous attempts to rectify this issue, including requesting a 1099-C form from the company, I have received no response. Therefore, I am urging the immediate removal of this erroneous charge-off from my credit report in accordance with the guidelines outlined in the 15 U.S.C. 1681. 

Furthermore, the inclusion of this account is inaccurately reporting a balance for a closed account, which further impacts my credit standing negatively. Thus, I request the immediate removal of this account from my credit report to ensure the accuracy of my credit profile. 

I kindly request prompt action on this matter and appreciate your attention to resolving this dispute. Please provide confirmation once the necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

ON XX/XX/XXXX I CONTACTED GM FINANICAL BECAUSE MYSELF AND HUSBAND NOTICED WE HAD A LATE PAYMENT SHOWING ON OUR CREDIT REPORTS FOR XX/XX/XXXX. 

I WAS INFORMED THAT IT WAS INCORRECT AND IT WAS A DEFERRED PAYMENT AND SHOULD NOT BE SHOWING A LATE PAYMENT. IT WOULD BE UPDATED IN ABOUT 30 - 45 DAYS. 

XX/XX/XXXX IS STILL SHOWING AS A LATE PAYMENT. I HAVE REACHED BACK OUT TO GM FINANICAL AND DISPUTED IT WITH THE 3 CREDIT BUREAUS AND IT STILL HAS NOT BEEN UPDATED. 

I ALSO SENT A FOLLOW UP EMAIL TO XXXX XXXX FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE YET TO HEAR ANYTHING BACK.
Product: Checking or savings account

Wells Fargo allowed a previous owner and business partner close the business checking account despite not having the current LLC paperwork filed with the state of Pennsylvania which shows that he is not a member of the organization any longer. This happened on XX/XX/19. He left the organization on XX/XX/19. I then went to Wells Fargo and informed them of this issue and tried to give them the most current paperwork for the organization and they would not accept it. The next day, the former owner opened new checking accounts without proper paperwork and paid money out of the account that Wells Fargo gave him access too. This has not only damaged our reputations and hurt us financially, we also have no access to old financial records. By allowing the old partner to close the accounts, Wells Fargo has made it impossible for us to reconcile our bank records for the end of year tax purposes. We have not been able prove our financials in order to get approved for banking and customer payment processing with other companies because of Wells Fargo 's actions
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 XXXX credit bureaus must validate this account 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 account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

American Express is failing to credit my account for electronic payments made with my XXXX XXXX checking account. They are also charging my interest and finance fees before the regularly scheduled date.
Product: Credit card or prepaid card

Dear CFPB, I initiate the dispute CLAIM ID : XXXX on XX/XX/XXXX because I was misleading when I purchase the XXXX XXXX. I was promised a price match ( refund ) by the seller ( XXXX ). I got the email to confirm the refund on XX/XX/2022 at XXXX XXXX  from XXXX XXXX headquarter ( see email in attached file ). However, it has been XXXX week and they not refunded me. I contacted the bank to file the dispute to get the money back because the price was higher than what I was promised and expected. XXXX told me there will be a hold on the account for {$3300.00} and it will dropped and they will only charge me {$750.00}. It was a lie. They billed that full amount and everything was posted on my Chase credit card. Chase initiate the dispute for me and gave me the temporary credit right away. In the meanwhile, I also go and return the back to the store and have the return receipt ( see in attached file ). I then called Chase on XX/XX/XXXX tried to explain that I want to change the reason to Returned and Not Refund. However, I don't know if there was any misunderstanding between me and the agent at Chase ( XXXX ), it was never updated. On XX/XX/XXXX, Chase sent me a letter online saying that the dispute was not in my favor because the store provided the purchase receipt, Chase immediately took the temporary credit back without giving me a chance to explain or submit more document to prove my case. I then on XX/XX/XXXX ( 1 day after the deny from Chase ) submit the receipt that I returned the item and the email from XXXX XXXX promised the price match, at this point the price match is longer matter since I returned the product. I asked them to re-opened the case and fight it for me. I sent the document and everything through their secured online portal and they confirmed me the same day of receipt ( Attached files for proof ). Until now, they have not answer me anything, I called them back today ( XX/XX/2022 ) to check on the status, and they told me it was not resolve in my favor without giving me a reason. They told me the merchant denied it. However, from my understanding, The bank should have the power to fight for me, because I already sent all the evident proof. They just laid back and never get back to me. I have no idea what is going on. It has been a while and they never get back to me.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX 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: Mortgage

I and my title company have requested a 10 day payoff from Rushmore Servicing Company multiple times. This has resulted in the delay of the sale of this home. Instead, they continue to contact me, demanding payment, declaring fees galore, and still refuse to provide a payoff so I can pay this property off. They also stated that they will charge me {$55.00} fee to provide a payoff amount to me. 

They are impossible to get ahold of and can only talk to an automated system.
Product: Debt collection

Accepted a student loan for the spring of  XXXX  on  XXXX   XXXX ,  XXXX . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX , I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in  XXXX   XXXX  stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  Nelnet  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In  XXXX   XXXX , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in  XXXX   XXXX , and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the  Dept. of Education  did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in  XXXX   XXXX , despite me making a timely payment. So I sent another one. I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XXXX / XXXX / XXXX , and they said they are still reviewing the information, and I should hear back in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity fraud. I have filed disputes with Experian report number XXXX Report date : XXXX XXXX, 2017 XXXX XXXX is still trying to hold me accountable for charges that I never made. My report shows addresses in Florida, which I have never lived, nor visited, 2 social security numbers ( RED FLAG HELLO! ) They are trying to hold me accountable for them shoving credit to a fraudulent person pretending to be me. They say on the report that all information IS true!! No way!!! They put me on hold, and transfer me around until I am mysteriously disconnected. I am done with these fraudsters wasting my time, effort, and ruining my good credit.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry from a company called XXXX on my report. The date of the inquiry is XX/XX/year>. I do not recognize that hard inquiry. Could you please take the necessary actions to remove it from my credit report, please. Thanks. Please see documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Mortgage

Applied for loan application at Wells Fargo on XX/XX/2020. Application requires credit card to pay for future fees of credit reports and appraisal. New home construction to be completed late XX/XX/2020. 

Appraisal completed XX/XX/2020 and we were assessed {$550.00} fee. Home was incomplete, no drywall, flooring, appliances, electrical, etc. and application expired on XX/XX/2020. We were going to have to reapply after XX/XX/XXXX, so I could not understand why the appraisal had been performed. 

I emailed Wells Fargo on XX/XX/2020 to inform them of the issue I had with the timing/value of the appraisal. I subsequently demanded a refund and have attempted a couple of times for reply but have been ignored. 

I then terminated the application around mid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SE

C. 4021. CREDIT PROTECTION DURING COVID19. Section 623
( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Product: Checking or savings account

An authorized debit payment was made to University XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX through a joint checking account in the amount of {$4900.00} for a three-week XXXX XXXX XXXX  class for my son. In our eyes the college committed fraud by asking for payment to be made before XX/XX/XXXX to avoid my child losing his spot in the class, ironically on XX/XX/XXXX the day after the payment was due the University sent an email stating they were officially closing their doors on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the admissions office requesting refund status and they stated they did not have further details regarding the exact timeline for the refunds. I also contacted the company XXXX which is the company who sent the payment confirmation receipt, and spoke to a representative there, I was told they would be able to refund us but when providing details to them about the school closure they abruptly stated they could not assist and that the school would be handling all refunds. On XX/XX/XXXX I sent a follow up email to the admissions office which they then provided me with a website and call center phone number for additional assistance. I sent an email to the call center on XX/XX/XXXX and have not heard back. I have also attempted to call them on the same day and to no avail they did not pick up. In between phone calls and emails my husband and I have attempted to get assistance from our bank JPM Chase asking that they put in a dispute on our behalf, but the bank stated because this was an ACH transaction there was nothing that could be done. The bank is refusing assistance. I spoke with XXXX a representative from your company which stated I was well within my rights to file a claim against the bank for assisting with the refund.
Product: Debt collection

Repeated calls, all hours, Do not owe anything to this company, not my debt. Don't know why they keep calling. They are threatening me to report to other agencies and damage my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter and I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX  is unacceptable for verification. However, All I received was a letter stating we have verified with the company that the information is accurate or updated Yet again, wheres the documents verifying that to me? I have not received any information from anyone that verified these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Vehicle loan or lease

I got financed through XXXX XXXX Byrider XX/XX/2017 and I am paying way to much. I'm paying almost XXXX for a XX/XX/2005 XXXX XXXX. Its confusing because none of the number match up, like the trade value, i did not put XXXX on a trade in. They charged me a reconditioning fee and didnt recondition it. Everything seems fraudulent
Product: Debt collection

For the past three years I have complained about XXXX XXXX XXXX claiming that I owe money and that without providing proof or trying to contact me, they report this DEBT NOT OWED to my credit report. I never received such notice, bill, or any documents that prove that I owe this debt as I never had any services from them.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Local Branch Manager XX/XX/2022 RE : Letter of Complaint against Bank of America Dear Sir/Madam , I am a client of Bank of America and I wish to bring your attention to a financial issue that just occurred and has left me in a real hardship. I previously had direct deposit on my checking account payroll check. I will be getting married in XXXX, XXXX and decided to go with XXXX XXXX XXXX XXXX. I removed the direct deposit from the checking account leaving the account open. 

On XX/XX/2022, I came to Bank of America XXXX, XXXX XXXX, Illinois, my local branch and deposited my payroll ( paper check ). Because funds were low, the teller informed me that I could not cash the check, I could only deposit. However, some funds ( about {$200.00} ) would be available the next business day, XX/XX/2022. The rest of the check would be available on XX/XX/2022. 

On XX/XX/2022, I received an email from Bank of America stating that the entire payroll deposit would be ON HOLD UNTIL XX/XX/2022. I then called customer services trying to obtain some resolution. There are several automatic payments set up on my account, not to mention, it was after the holiday weekend and I didnt have access to any funds. Mortgage, vehicle insurance, other bills and wedding plans ALL abruptly stopped. I was devastated. Not to mention, I will NOT receive another payroll check UNTIL XX/XX/XXXX. I feel like I was penalized for removing direct deposit from the account. Same payroll. Same amount. Same company. None of that changed, but because I chose to go to XXXX XXXX XXXX XXXXn, I have to wait 11 days to access my funds. That is totally unreasonable and unfair. 

This has been an utter nightmare. I have been mentally stressed since I made the deposit. Trying to figure out how to maintain until funds will be released. I am sure people have left and opened accounts at other institutions for less issues. It may not seem like a lot of money or a big deal to the person sitting on the other side of the computer, but for me, it has derailed everything. 

All I ask, is that someone from the Corporate Office, look into the matter and respond to me, immediately. Ask yourself, what would you do if your bank told you a hold on your account would last a couple days when in fact it ended up lasting two weeks? How would you feed your family? Gas for the car? Medicine? Rent or Mortgage? Insurance? What would you do in a situation like that? 

Heartbroken Customer,
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( XXXX XXXX XXXX. ). 
A detailed explanation of the debt, including the amount owed and the date the debt was incurred. 
Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly. 

Please be aware that failure to comply with this notice and continued XXXX  may result in legal action against your agency. Should I choose to litigate for XXXX XXXX XXXX, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for XXXX XXXX  : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
Product: Credit card or prepaid card

A charge for {$1600.00} appeared on my Barclay credit card. I contacted the company and they issued me a new card. Months later they put the charge back on the card claiming it was real even though I have not been to the doctor in Maryland and all my medical providers bill insurance. I have NOT received any product. I clearly, multiple times, told Barclays that I don't just give away {$1600.00} with nothing in return, that it is not okay for Barclay to force me to give {$1600.00} away, and, as a result, I told Barclays to cancel my credit card. They refused to remove the {$1600.00} and they refused to close the credit card account.