23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To whom it may concern, As many Americans, I have been trying to contact Great Lakes ( " GL '' ) to obtain accurate student loan information. During Covid I had submitted approx XXXX XXXXXXXX in student loan payments. I then requested a refund due to the CARES act. 

I called GL on XX/XX/26 at XXXX MST to request a refund, we spoke we a GL rep who stated she would submit the request. 

I then called GL on XXXX to ensure they had the correct information and GL advised they had no record of the XX/XX/26 call and no request had been submitted. This is unacceptable and I asked them to go back and replay the recorded phone calls. This request was NOT honored by GL. At that time the GL rep advised the request was formally submitted on XXXX. Since this was an error on GL part, I would expect them to escalate or to take accountability. 

Since then, GL has updated their website to show I owe money and even allows me to " make a payment '' on my new loan value but I have not received any actual refund of any format. This seems like a law firm would love to analyze/review this aspect as it seems sketchy/illegal to allow consumers to pay when not having received a refund. I have contacted GL verbally and in email and have received different and misguided responses about my loan value and if I will even receive a refund. They state they have done everything on their end but yet no refund. 

I work for a bank and our bank is NEVER allowed to state that the consumer owes money if the money has not actually been refunded. Also, my bank would never provide fake, altered, unsure, unreliable information to our consumers, as this would be a breach of fiduciary responsibility. This complaint is to ensure a student loan refund is provided to the bank accounts in the next few days, since it shows there is an active loan under my name. Please don't mess with people 's money as banks are held to high standards, so should GL. Times are tough and GL has only made them tougher. 

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

I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by cerified mail and have even made phone calls to get these unauthorized inquries removed from my account. Yet they still have not removed the following inquries : 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
Product: Mortgage

My loan was sold to Selene Finance in XXXX. I did not choose them as a mortgage partner, but they were thrust upon me and have been terrible to work with ever since. 


In this case, I was never made aware of an escrow change, and an increase in my monthly payment for XX/XX/XXXX. I have an automatic payment from my bank which paid the original amount due on XXXX aqnd XXXX of {$4200.00}, apparently {$50.00} less than the new payment amount ( {$4200.00} vs {$4300.00} ). I didn't know about the increase in escrow for the XXXX payment as well. Instead of applying the payments and letting me know about the escrow deficit, Selene put the entire payments into " unapplied funds '' and showed those payments as not being made at all. Missed payments were reported to the credit bureaus. When I did find out about the escrow shortfall, on XX/XX/XXXX i sent a payment of {$100.00} that same day and was also told any late fees and charges would be waived. I have since been on calls for hours, been routed to a supervisor 's voicemail only to never have calls returned, had a dozen dropped calls, and basically gotten nowhere through their customer service. I have since found out that my credit score has been negatively impacted, that the late fees were never taken off my statement, and that Selene 's reporting processes have lost me financing I am working on for investment properties I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

I'm unable to call ESCI 's customer service and discuss my wish to rehabilitate my loans, because they refuse to discuss my account with me. They inform me that despite providing my current contact information, social security number, and DOB, they can't validate my identity without me providing an unnamed previous address. I provided them with my last 10 years of addresses and they say none of them are the specific previous address they want. They've completely locked me out of my account and prevented me from doing anything regarding my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had pulled aunauthorized hard inquiry on XX/XX/2017 and I would like it to be removed and on the XXXX Credit report it shows the contact information is XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX And I got a response from them saying that they don't see my record.. 
Please remove my aunthorized hard inquiry..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : XXXX XXXX XXXXXX/XX/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 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 XX/XX/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
Product: Checking or savings account

So I was in a call according to my account and they were telling me that I needed to have {$500.00} daily, which I believe its very unfair because they never told me that. And theyre taking funds out of my account without my permission and my account has been froze. This is very unacceptable by Wells Fargo.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis refused to send me a copy of my CLUE report after several attempts to get this information online and over the phone. As a result of their refusal, I lost an opportunity to sell my house as I was not able to provide the report to the potential buyers
Product: Credit card or prepaid card

I had a credit card with navy federal credit Union and I fell back on the payments. Theyve charged it off as a write off and I now want the 1099C form to file on my taxes. It is my right to get a 1099C form
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes XXXX XXXX XXXX  Account : XXXX Balance : {$280.00} Opened : XX/XX/XXXX an XXXX XXXX XXXX  Account XXXX Balance {$660.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX XXXX : {$7800.00} an XXXX. XXXX XXXX Account XXXX XXXX {$14000.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX Owed {$9200.00} Date Opened XX/XX/XXXX -- -- XXXX. XXXX Account XXXX Opened : XX/XX/XXXX XXXX XXXX : {$470.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Debt collection

They keep calling me and threatened me that they will sue me for the funds I owe Sharing my personal info to other people
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade reported XXXX late payments in 2020 in error. They acknowledged the error ( eventually ) and posted a correction. But later Upgrade re-reported the late payments. Again I disputed, and they corrected. This cycle now won't stop. Each time they report the incorrect late payments my XXXX score plummets. The cyclical nature of this has kept my score low for two years, negatively impacting my costs with insurance, rent, credit card rates, loan rates, and more. 
XXXX continues to accept the errant reports, even though they know this data is inaccurate. XXXX acknowledges on the phone that they can see this cycle, but won't take any steps to help me correct the problem, including the simple step of sending to me in writing that they are reporting what Upgrade keeps sending them. 
Upgrade insists that they have corrected the problem, and will not continue to address/correct the issue. They no longe answer my calls or respond to email inquiries to escalate this problem to resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the auto loan information being reported on my credit file by XXXX XXXX XXXX. This is the XXXX time to dispute in a row to creditor and credit bureaus, without a proper and full investigation. This is very discouraging when evidence was provided and not truly looked at. Seeing that there is a case against the credit bureaus from CFPB, there is reason to question the previous investigations. I have identified several discrepancies in the loan terms, payment history, and reporting practices, which I believe warrant an immediate correction or deletion of the loan from my credit report. Specifically, the following issues need to be addressed : XXXX. Inaccurate Loan Terms : The Annual Percentage Rate ( APR ) and finance charge listed in the final loan paperwork do not match the figures presented in the initial documents that I signed. The terms were altered without my knowledge or consent, which is a violation of the Truth in Lending Act ( TILA ). According to TILA, any material changes to loan terms must be disclosed to the borrower before finalizing the loan. The discrepancies in APR and finance charges have significantly impacted my credit report and my ability to manage my finances.

2. Failure to Send Billing Statements in a Timely Manner : Under TILA, bills must be sent to the borrower at least 21 days before the payment due date. However, I have observed that the finance company has been sending bills after the required XXXX window. This practice has caused confusion and undue difficulty in making timely payments, and has contributed to inaccurate reporting of my payment history. 
XXXX. Inconsistent Late Payment Reporting Across Credit Bureaus : I have reviewed my credit reports from all three major bureaus ( XXXX, XXXX, and XXXX ), and they each show different months in which late payments are recorded. In fact, there are months reported as XXXX, XXXX, and 90 days late, when in reality, I have consistently made on-time payments during those periods. This inconsistency raises serious concerns about the accuracy of the data being reported and suggests that the loan servicer may be failing to report payments correctly to the credit bureaus. 
Given these serious discrepancies, I am requesting the following actions : Immediate investigation and deletion of the auto loan from my credit report, as it is being reported inaccurately. 
Correction of any discrepancies in the loan terms, including APR and finance charges, as well as the payment history showing late payments when they were made on time. 
A thorough review of your billing and reporting practices to ensure compliance with TILA and accurate reporting to the credit bureaus going forward. 
Please note that I expect a response within 30 days as required under the Fair Credit Reporting Act ( FCRA ) and TILA. If this matter is not resolved promptly, I will consider escalating the dispute to the appropriate regulatory authorities. 
Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues. 
Sincerely, XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt.

Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections

1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt. 
Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal.

Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act. 
What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing. 
I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them. 
I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting 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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

XXXX XXXX XXXX - Made XXXX SEPA transfers to Coinbase for euros through my XXXX XXXX XXXX Account. Amounts were XXXX XXXX & XXXX XXXX. Transfers quoted appropriate references. 

I received automated response on XXXX XXXX saying XXXX is being reversed as accounts do not match. They do and I sent email, email service did not work and advised to send complaint through their support. I did this and issued case number XXXX # : XXXX. I did the same for the other transfer upon receiving a similar advice of reversal. 

Some emails exchange and issue escalated with Coinbase but still no news and no response to tweets and direct DM messaging service on XXXX. 

Coinbase have gone silent and no monies received back at XXXX XXXX.
Product: Credit card or prepaid card

Capital One : Was charged a late fee for XX/XX/XXXXand XX/XX/XXXX because I made the payment after their cut off time of XXXX XXXX. It does not advise me on the website that it MUST be made before XXXX XXXX, just that payments after this time will post the next day. I work later, and was unable to make it before then. When I called to request it be removed they advised they couldn't do that because one was already waived earlier this year. Though the one that was waived was communicated with them that it would be late because my bank was sending a check for the balance at that time. They use to be about customer service, and now they are not.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 credit bureaus reporting that my Credit report isn't 100 accurate. The reported back 30+ days later stating my account has been updated and accurate.

So according to 15 USC 1681s-2 ( b ) & 15 USC 1681e ( b ) my credit report should be reported 100 % accurate and its the responsibilities of furnishers of information to consumer reporting. What was did is reporting info with actual knowledge of error. Its no way a true investigation was done unless that law was broken.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is the direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681 e ( b ) ) and conducting a proper reinvestigation to remove the errors within they required 30-day period ( 15 U.S.C. 1681i ( a ) ).