23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of my 11 student loans, 3 are fffelp. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about 12+ years later. 
XXXX XXXX, XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still XXXX  in college seeking my degree XXXX XXXX, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the 3 entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} thousand in debt when my original loans were approximately {$35.00} thousand. 

Fifth, 3 out of my 11 loans serviced by XXXX  were incorrectly reported as 150+ days late and 4 mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my credit score for XXXX to XXXX. 

After many attempts to solve this with XXXX and 8 disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these 3 loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Product: Debt collection

Someone keeps calling my husbands phone to collect a debt in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX  XXXX XXXX ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since XXXX XXXX XXXX enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted XXXX XXXX XXXX to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX  with all of the credit bureaus but have not removed the late payments. I made many calls to XXXX  XXXX XXXX to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, Trans Union and XXXX files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.
Product: Debt collection

This is a result of identity theft, I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. The transactions are not information related to any transaction by me as the consumer : XXXX XXXX WAKEFIELD AND ASSOCIATES, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> XXXX XXXX XXXX I logged in to my account of Lexus financial and tried to make a payment online for {$720.00}. As of that day the account had a balance of {$1400.00}. I clicked on XXXX and their system processed the payment without asking for confirmation payment. Lexus financial doesn't have an option to cancel the payment. I called them within XXXX minutes, XXXXXXXX XXXX XXXX  and asked them to cancel the payment so I could adjust the payment to {$720.00}. They said they could not do it. Their automated system claimed that any account that is past due and any payments made to that account Lexus financial will consider it as collection of debt. I am assuming that's the reason they didn't give me an option to cancel the payment within XXXX minutes of submitting it. They advised me to contact my bank and ask them to make a stop payment. The way their system is set up is wrong and causes unreasonable hardship. I was on the phone with Lexus Financial for an hour, than with my bank, than with them again explaining the actions I took. The irreversible payment option is the option ( first choice option ) given to consumer and I am sure i am not the only one in this situation. This must be corrected. I am not sure if they will charge extra fees for returned or stopped payment. Please assist me to get this situation under control. I believe Lexus Financial, or any company for this matter, should ask for confirmation of the payment before the consumer actually submits it. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} IC System Date Opened XX/XX/XXXX Balance {$1000.00} 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: Credit reporting or other personal consumer reports

On XXXX a letter was sent to XXXX in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by Experian and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of my identity.
Product: Checking or savings account

On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.
Product: Credit card or prepaid card

I am writing today in regards to my account with AMEX account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute ftc file number attched with the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion willfully furnished inaccurate information on my consumer report. Disregarding me the consumer and natural person disputing the errors I found. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. Account XXXX XXXX has provided TransUnion with second hand information. TransUnion did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to TransUnion for reporting purposes. Transunions negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and TransUnion refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness. This entity is refusing to operate with integrity, fairness and impartiality.
Product: Mortgage

CITIZENS BANK - Continues to steel consumer money and trying to get away with sticking me the consumer with a collection agencies fine for an accounting error that they causes. This is related to CFPB complain - XXXX-XXXX that was closed without proper resolution. 

The letter we received from Citizens does not contain the correct account of what happened and we are still missing money. In XX/XX/XXXX, XXXX was paid out from our escrow account to the school district. The school district never received that payment and therefore we were turned into a collection agency. On XX/XX/XXXX, a personal check was sent to the collection agency for the amount of XXXX, which was XXXX in face tax and XXXX in penalties, costs, and commissions. That is XXXX of extra fees that never should have incurred because the original amount of XXXX was lost either by the school district or Citizens. On XX/XX/XXXX, we received a refund from Citizens in the amount of XXXX, with no explanation to why this wasn't covering the full amount we paid in XX/XX/XXXX of XXXX. I did not receive a letter from citizens until today XX/XX/XXXX in the mail, which has incorrect information as I stated above. We are missing XXXX in reimbursement from the personal check we sent in XX/XX/XXXX. In addition, we need to be refunded XXXX for the penalties that we paid for late taxes because either Citizens or the school district lost the original payment. Citizens customer service on this matter have been sorely lacking. We have been dealing with this issue since XX/XX/XXXX and everytime we spoke to someone, we were told XXXX thing only for citizens to do something else. We should have never had to pay the tax collection agency as we had been in contact with citizens for the prior 2 months, trying to explain that we had a bill. 

Documents attached.
Product: Debt collection

This company is relentless is trying to attempt to collect this debt. the account is not mine. I asked for validation and in their own words they respond " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2016, for E***** H****** whose social security number ends in XXXX and that a balance of {$470.00} was due on the account at the time of PRA 's purchase. '' The Social they quoted in their own response to my last report is not my social. I also ask for validation as they are a 3rd party collection agency and what they provided was bills. Nothing with my signature, correct social, or a contract between myself and their company. This account does not belong to me and if not removed I will pursue legal action as they are in violation of reporting rules.
Product: Credit reporting or other personal consumer reports

This is not my account my personal information was breached and I was a victim of ID theft. 

I reached out to XXXXXXXX XXXX and they investigated the situation and informed me that that account was fraudulent and provided me with a letter letting me know that they were deleting from my credit profile. Please see attached doucment XXXXXXXX XXXX : acct # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I had call Wells Fargo on XX/XX/2022, to notify them of a scam happening in my checking account for them to cancel a transaction of {$980.00} sent to an XXXX XXXX that I did not authorize the person I spoke to at Wells Fargo said not to worry about that transaction because it was being cancelled. A day later I checked my checking account and learned that money was transferred XX/XX/2022, to this XXXX XXXX person. I went into the Wells Fargo branch to discuss what had happened and I learn that when I called to report the scam it was wrongly processed. It was processed as a lost debit which I never reported that I told them a transaction was being made because someone was able to access my checking account to cancel the {$980.00} amount. It was never cancelled even though I reported it in minutes of learning what was happening. Wells Fargo made an investigation after I spoke to management and explain how this person called me and said it was trying to help me get my money back, but it was the other way around he was trying to get everything I had in my checking account and was successful by transferring {$980.00} into his account or some kind of card. After Wells Fargo made an investigation, they decided they couldn't return my money because it showed I authorized it even though call and explain of a scam and I also went into the branch and explain exactly what happened. They said that it had happened to other people and a week later I learn by media that other customers were having the same situation as mine and dealing with Wells Fargo not helping or protecting their costumer.
Product: Checking or savings account

Hello I contacted the bank on the XX/XX/XXXX after I got notification on my phone there was a negative balance after somebody attepet3d too hack my account and my business partner it was a charge of XXXX cent that came out off my debit card then they put it back in the bank had me on hold too look into it and the rep came back too the phone and said the attempted too do your business partner the same way they took out XXXX cent and put back in all I. The process I was on phone with rep truist charged my.account overdraft fees because the fraud er made 4 transactions n 2 mind both taking out the some of XXXX and putting it back in each time charged my account XXXX dollars at the time I had over a XXXX XXXX something dollars I. The account the rep said I definitely can see fraud happening as we speak fro.a. company called XXXX or something of that nature the rep request me too order new cards but unfortunately since the charges are pending they can't dispute it until items stop pending I called back again next day after noticing I deposited XXXX dollars XXXX after a load delivery my account has become I. The negatives I only used my card in XXXX al not XXXX I told the bank I want too dispute all charged if you would have blocked the merchant or whomever that was drains my account first this would've never happen the insured me they will get my money back asap I receive a email saying they not honoring my.claim I'm so confused I deposit XXXX too a XXXX weekly they took XXXX dollars multiple times over the holidays this isn't fair at all and i. Top of that she told me my over draft fees will be rienbursed because the ppl who attempted too take Money agian took it out and put same amount rite back in all n a XXXX min span on both mtle and my partners card 2 separate transactions I want suppose too even be charged anything If I caught it there was XXXX other transactions I disputed all dealing with the same.claim over XXXX dollars and rep of truist seen it with her own XXXX eyes on Her side she told me call back wen it stop pending and we will reimburse you those over draft fees because the MOney never came out now all a.sudden my.account went from. Current too a negative XXXX dollars this isn't good customer service nor do it seem my account is protected I have made same deposits every week nor was I in XXXX al at time they I have a copy of claim ID please Investigate this matter we work too hard too be robbed like this nevernhappen before.i. my life thanks XXXX bless the claim number XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX  or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
Product: Credit reporting or other personal consumer reports

I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax. It has been well over 56 days and I have not received a response. On XX/XX/XXXX, I submitted a complaint to the CFPB ( ID XXXX ). On XX/XX/XXXX, I received correspondence stating that Equifax did not believe I was the one filing the complaint. I was advised by the CFPB to call Equifax and let them know I am the one submitting the complaint. I contacted the Equifax dispute department to inform them. Subsequently, I am refiling this complaint. Best Regards