23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXXXXXX XXXX Monthly Payment : {$0.00} n/a {$1800.00} Last Reported : XXXX XXXX XXXX  Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EQUIFAX. I have NEVER been late and may payment history is always on-time and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies receive a inquiry of my report without my knowlege and also it is companies that i do not approve of inquiring of my credit score below XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( XXXX and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.
Product: Credit card

I opened CFPB case XXXX, however I noticed that there has been no response and they allowed one charge from XXXX  to go through despite the fact that I had locked the card. They further used this as opportunity to again charge very high interest rate contrary to the relief they proposed.
Product: Credit card or prepaid card

I installed the app XXXX  on my phone deposited {$14.00} and some change and have yet to be able to use the card I've provided the document that they asked for in an email which was my ID now they're saying they won't debit card number that was linked to the account which I've never even touched the account to use it and it shouldn't matter if I send my ID I should be able to access my money and I'll talk to these people several times I don't have no money my husband is sick he's got XXXX XXXX XXXXXXXX you name it and I need my money I think they were wrong to do this I think they should be shut down completely
Product: Credit card

I am a merchant who sent an invoice to one of my customers. They lied and said they didn't receive the merchandise when they indeed have the merchandise in their possession. I don't like it when consumers lie and this has completely over drafted my account and messed it up. I am livid with the way this has been handled. I have provided all evidence and proof that he received the merchandise even before that payment was done. He made a partial payment and was still owed the {$500.00} on the balance.
Product: Debt collection

I received a text message with the spoofed identity of a family member, requesting that I contact XXXX XXXX regarding a debt from Sun Trust Bank. I researched the corporate identity of XXXX XXXX and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that Sun Trust Bank had acknowledged as being invalid. More that thirty days after the declaration by Sun Trust Bank, XXXX XXXX continues in its attempts to collect the debt.
Product: Credit reporting or other personal consumer reports

I have a fraudulent Hard Inquiry and account from XXXX XXXX XXXX  on my credit report. immediately
Product: Debt collection

Unsure who this company is, every month the go back and forth by raising and lowering the amount supposedly owed by LITERALLY {$1.00}. It has been 2 years I cant get these people to stop. I dont have an account with them not have I ever, I have asked to see a contract that I signed with them and gotten nothing
Product: Mortgage

Several things happened first thing is after approving the modification Wells Fargo failed to cancel the sheriff sale of my home and my house was sold in the sheriff 's auction and then an eviction notice was served to me all because they failed to cancel the sale then my original loan balance was XXXX now it is over a XXXX and XXXX with all their fees that they have added to my loan and all the additional costs they added to my loan for a day Sheriff sale or foreclosure which should have been cancelled so why should I pay for those fees then they have now refused XXXX payment of over {$1800.00} I sent XXXX they were turned took 45 days to get it back then I attempted XXXX weeks ago to pay {$2500.00} and then refuse that payment I have been asking for months actually probably over a year to have my escrow analysis analyzed do to it increasing {$10000.00} and it has entries that have no description that only say escrow adjustment I have not been given an explanation or been contacted after leaving countless messages emails speaking to other Representatives who said they would get a message to them and they would have them contact me they have no problem adding things to my account but they can not explain to me what they are why I 'm responsible for him and then they want to refuse my payment or payments and even returned money I sent bill pay..the sheriff sale they failed to cancel by error its still haunting me after over a year of calls emails letters to Wells Fargo it has yet to XXXX fixed..the assessors show Wells Fargo as the home owner witch has caused me problems getting homeowners ins.and the title reads I sold it to Wells Fargo and it continues to stay on a forclosure lisfings
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start  rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CH-XXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX an unknown company/person took {$84.00} out of my account fraudulently. I still do not know the name of who did this to my account. When I filed the claim I was told that it would be XXXX to 10 days for them to come to a resolution. Whoever did this took nearly everything out of my bank account and it was a major inconvenience for me. as soon as that money is returned to my account, I plan on closing my Wells Fargo account that Ive had since XXXX.
Product: Student loan

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX -Completed limited waiver for all federal loans by XX/XX/XXXX -All loans forgiven on XX/XX/XXXX except for loan XXXX and XXXX, so called XXXX several times and finally got a supervisor who was very helpful and told me what happened to me was unfair and I have what is called hanging loans that should have been forgiven but for some reason were not. supervisor informed me to submit a complaint with DOE. I have sent several complaints to DOE who just say I need to reach out back to XXXX ( just getting run around ) back and forth. 
-I have two hanging loans that have been included with all my loans and forgiven and after they forgave all others they recalculated those loans and now I have to work another 8 years to consolidate those ( makes absolutely no sense ) -I have worked in XXXX XXXX  with qualifying employers for over 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so in summer XX/XX/XXXXand again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I know for a FACT it is illegal for an item to be added back to my credit report without you getting written notification 5 days prior to it appearing. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They declined and stated they will remain. I advised them the inquiries was n't authorized anyways and I been informed them of this so when they were deleted I thought they finally listened but for some reason they just came back. Can you please REMOVED ALL THE INQUIRIES BELOW because I this is n't fair at all. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a business loan at XXXX XXXX  the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXX XXXX  a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors XXXXl XXXX, Care Credit and XXXX XXXXXXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX  and XXXX are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX having them the same paid in full letters that we send to XXXX. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same 3 accounts information with different status. Please help us resolve this problem that as US Citizens we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.
Product: Student loan

I'm a XXXX XXXX  and have submitted enrollment verification, as confirmed by my XXXX, as early as XX/XX/17. Nelnet has contacted me through automated means multiple times since then regarding repayment. I have reached out to them via email four times and made several calls ; for one of them I was on hold for an hour with no result. No one has gotten back to me and I'm still being harassed for collection.

Beyond this administrative oversight, which has disrupted my daily life, Nelnet should have been exactly as prepared for repayment logistics as it expects its borrowers to be, if not moreso, and the fact that they're so unreachable, especially right now, is negligent and irresponsible enough to seem intentional. I can not plan my days around being on hold for six hours.

Cursory research implies professionally weaponized incompetence and refusal to connect with clients is an exceedingly common complaint. It is not a minority opinion that student loans are a predatory institution and this is making it so much worse it's almost impressive.
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 Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information. 

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation. 
Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

PAY PAL sent an email stating my card on file had expired so I went on line and inout the correct card for them to use. They have been calling 18 times a day not leaving any messages but just saying hello and not saying anything else. 
Calling times have been from XXXX thru the day until XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : SHELLPOINT MORTGAGE XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by my mortgage broker that a collection item was placed on my credit report. I contacted the collection agency, Contract Callers to resolve this matter. They stated that they are pursuing me for past balance owed for an old utility bill that I owe to XXXX XXXX XXXX XXXX XXXX. I was never informed of any outstanding bill owed. In XXXX I relocated from XXXX to XXXX, GA and during the relocation, I was advised of this charge. Nonetheless, I paid the amount owed to the collection agency but the collection agency refuses to remove the item on my credit report. Furthermore, I spoke with XXXX XXXX XXXX XXXX XXXX and they stated they will contact the collection agency to have this erroneous profile removed from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX, I contacted Equifax to correct my account as I am a non resident of XXXX and hence, I do not own SSN or ITIN. My XXXX SIN is reported in the system and for my most explanation, it looks identical to ITIN and it should not be there!! 
I offered them copies of my XXXX documents to prove so they 'd correct my file, however, this is getting no where as I am transferred back and forth. I know for a fact is that they do credit reporting, they HAVE to CORRECT any improper information under reviews rather than turning customers away.
Product: Checking or savings account

My complaint is against the Capital One 360 checking account I am game account with them and they said something was fraudulent on it so they put a freeze on account it's been three months they said they were going to close my account they  haven't done anything with the money they won't let me take any money out but they keep letting money go in there and they keep telling me they're going to close it but they keep accepting cash and then they sent me a letter saying they're not giving me any more money back out of it and we got like {$1300.00} in it and they just couldn't write to me told me there's some good accounts not close but it's not my account anymore and there was still in my name and everything still might they just decided they were going to give me my money and I don't understand how they can do that it's my money my account there is nothing project XXXX if that was the case they would have charged me or they would have did whatever it's been 3 months
Product: Debt collection

On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have association, credit line, or loans with this creditor. This was not approved and or authorized. 

XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Inquired on : XX/XX/XXXX Comment : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting 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 these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.