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

I obtained ten separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once  by the XXXX XXXX XXXX. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
Product: Debt collection

I have contact Midland Credit Management to notify them about this debt. 
I received this letter dated XX/XX/2021, in which they keep on insisting that this debt is mine. 
I report them to the FTC and now to you. They claim that is a debt that I own and no action has been taken. 
I have explained that this was a fraudulent account that was open by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires are from car dealers. They where only supposed to run XXXX report with a finiical bank not XXXX, XXXX these should go off my report.
Product: Credit reporting or other personal consumer reports

Checkr company ran my background check report with incorrect information under the County Searches part with criminal search, and I have contacted them many times over a month. they still have not corrected this issue for me which caused me to lose my rideshare driver eligibility with my XXXX account. It should be showing Clear, not Consider status on my report. 
Also, there is a search regarding " Driver Provided Driver Identification to Another Transportation Network, First Offense '' information incorrect as well. I did my court search last time and it has nothing found on the dates between XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX when I entered the case number XXXX XXXX into the XXXX XXXX  website. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Vehicle loan or lease

I have been financing a XXXX  XXXX XXXX that was involved in a lemon law case the car insterest Im being charge is extremely high and amount due does not match the car value I was sold this car without knowing it had issues with oil consumption and have been having issues since
Product: Debt or credit management

Authorization redundant, consenting force paste inquiries on credit score for completion of Capital One and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Product: Student loan

Sallie Mae has increased my interest rate to 16.5 %!. I fell behind during COVID and tried asking for help. All of my creditors worked with me, EXCEPT Sallie Mae. They consistently harass me, my family, and anyone with the last name of XXXX. They have contacted distant relatives and people who are not even related, all because they have the same last name as me. I asked them for a list of all the people they have contacted about my personal business and they did not send it to me. I am no more than XXXX payments behind. Now my interest rate is 16.50 %. Sallie Mae uses relentless tactics, apparently spends a large amount of money on so called customer service representatives who harass people about my loan, and have even sent letters by XXXX. Why can't they try to help people instead of spending so much on harassing people?? I have tried multiple times to ask for help and to work with them. They will not budge. They went over my budget and told me I made enough to make the payments ( even though the payments are now almost XXXX XXXX  more per month than they started out ). I am on a limited income. Please, please investigate Sallie Mae. They will not work with me! They are ruthless. I was able to pay off a large loan because the loan servicer worked with me ... .not Sallie Mae ! All they want to do is relentlessly harass, multiple times a day. XXXX day it was over XXXX calls to me while I was trying to work. Sometimes I answer and no one is on the other end. I'm sure I'm not the only person being bullied and harrassed by Sallie Mae! They also stopped sending bills through the mail several months ago. I did not sign up to not receive bills in the mail, they just stopped and then charged late fees when the bill wasn't paid. I want to know how they can just stop sending bills in the mail when it was not requested.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> - Placed an order with XXXX XX/XX/year> - I cancelled my order within policy XX/XX/year> - XXXX replied stating the order was cancelled and refunded then they ghosted me I sent this conversation to Klarna. 
I never received a product. 
Klarna is still saying this balance is due.
Product: Payday loan, title loan, personal loan, or advance loan

Agreed to an installment loan with " Synchrony HOME '' which included special financing terms, applied with my partner. I was never able to make a payment online, nor was I able to log-in to my account online. I never received a statement via email or regular mail. There are too many phone numbers for this company to list here and only one of them recognized my information ( even though it was all clearly on my loan application ) and allowed me to make a payment over the phone one time, I was not able to get back through to that phone number again. The Synchrony website would not provide a means to contact support via email OR phone unless I logged into my account which as I stated I was never able to do, I had to XXXX search for their phone numbers in many different ways just to get a number which could eventually reach a live human being to help me. 

Due to this process and the complete inability to access my account I was charged approximately {$500.00} interest on an installment loan which was supposed to be 0 % interest, all because it took me a week past the deadline to actually reach a real person who I could payoff the loan with.
Product: Mortgage

see attached letter and documents that i uploaded into portal... i was charged {$680.00} for a appraisal fee that I had previously paid for... I can't reach anybody to correct this.
Product: Credit reporting or other personal consumer reports

I'm trying to log into my TransUnion account to manage my credit freeze. My user name is my email address. I can not log in. When I try I get an error messaging saying my user name or password is incorrect. Resetting the password does not help. Messaging with support on XXXX ( Twitter ) has not helped and is taking up to one hour to get a response to each message in our conversation, which I find unresponsive.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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: Mortgage

Sometime on or before XX/XX/2020, we submitted a loss mitigation application seeking to retain our property. Wells Fargo didn't respond to our request until XXXX XXXX. See email correspondence between our legal counsel and the banks representative attached hereto. The email correspondence also reflects Bank 's counsel apologizing for the delay. The denial is dated XXXX XXXX although received on XX/XX/2020, and according to the document a homeowner may appeal within 20 days from XX/XX/2020. It appears on its face in that Wells Fargo Home Mortgage have engaged in Florida 's Unfair Business Practices. Denial letter must be sent within reasonable time so that a homeowner have the opportunity to appeal. In our case Wells Fargo provided notice of denial two months after its expiration so that there's no change to appeal. In addition, Wells Fargo failed to process the application accordantly as they failed to include all financial information provided to them. The denial reflects an allege monthly income in the amount of {$4800.00} when in fact our monthly income {$7600.00}. Wells Fargo didn't not include all of our income because it would have trigger an approval instead of a denial. These actions goes to the heart of Florida 's Unfair Business Practices.

Wells Fargo is a fraudulent servicer and everyone knows that expect for the Consumer Financial Protection Bureau. At this juncture we ask that you investigate this case and come up with a RESOLUTION it evident that Wells fargo have engaged Unfair Business Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( XXXX ) of the XXXX- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the XXXX - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the XXXX XXXX XXXX. XXXX, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely DELETED!!
Product: Mortgage

Wells Fargo is doing what I expected them to do when you give them the license to contact affected parties regarding loan modification denials, etc... I have spoken to more than one person and I keep getting asked to supply documentation. XXXX, XXXX Wells Fargo said there is no record of me requesting a modification. They said that all of my payments were processed when they were received and there is no record of them delaying receipt of payments to charge late fees. My attorney sent documentation via email and fax only to be told there is no record. Why do I have to be responsible for proving that Wells Fargo has been a bad actor. I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXX XXXX XXXX XXXX ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Late Payment Reporting I am writing to address a critical issue concerning my credit report. It has come to my attention that Experian has reported late payments on my consumer report without my consent. This action has adversely affected my credit standing and is in violation of my consumer rights. 

I have been corresponding with Experian regarding this matter, but I have received responses stating that my request to correct these inaccuracies will not be honored or only partially addressed. This refusal to fully comply with my consumer rights is unacceptable and constitutes an infringement upon the protections afforded to me under the Fair Credit Reporting Act ( FCRA ). 

To clarify, I have never authorized the reporting of these late payments, and I have consistently maintained timely payments. The reported late payments are erroneous and have caused undue harm to my credit profile. 

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

consolidated recovery says I owe over {$XXXX} for a debt the company I worked for XXXX XXXX XXXX had. Someone at XXXX XXXX XXXX opened an intuit merchant account with my name and social security number, that I had no knowledge of and never signed. I keep trying to explain this to consolidated recovery and they keep harnessing me and put it on my credit reports and now I received a letter saying they are taking legal action
Product: Debt collection

On or round XX/XX/2020 I requested AR Resources to validate this alleged debt. Ive never been notified of this. So once I discovered it on my credit report after being turned down for and apartment I submitted a dispute letter in addition I requested validation of this alleged debt. Thirty days letter I received some paperwork with my name but other information was incorrect address it also had my insurance information on the paperwork. I requested validation I didnt receive validation only that I had a relationship with this doctors office. Recently after I disputed the account with credit bureaus it was removed. Removal is admission of guilt. This item was in collection it caused me to not be approved for a luxury apartment because of the collection item, its also caused my credit report to be affected when it wasnt even my debt. It has put a derogatory mark on my credit which is unacceptable and unfair. This false information harmed my reputation and was embarrassed in the office once I was turned down. 15 usc 1681 fair credit reporting act. Its removed now but my rights were violated under 15 usc 1692k I want AR Resources fined XXXX. Under the FDCPA I want my money for the aggravation for reporting incorrect information.
Product: Credit card

Capitol One said I had pre-approval offers. Then asked me to verify information to see what I was pre-approved for so I did. It came back as an official approval then asked me to choose between two cards that I was approved for so I did that as well. Then I got an email a few minutes later stating I wasnt approved. Very confusing! I want the hard inquiries removed please.
Product: Debt collection

XXXX XXXX Charter Communications. 

- XXXX XXXX Charter Communications account for XXXX years with for cable modem Internet service. 
- Acquired XXXX XXXX service in XX/XX/XXXX. 
- Called XXXX XX/XX/XXXX, spoke with agent and requested cancellation of account. At this point, I had disconnected my cable modem and was no longer using XXXX  services. 
- Called XX/XX/XXXX to cancel one more after getting billed again, spoke with agent and requested billing cancellation. 
- Charter / XXXX refunded my credit card that was used for billing. 
XXXX XXXX XXXX XXXXXXXX credited my credit card account for XXXX disputed charges of {$69.00} and {$66.00} - XXXX sold my " debt '' to now XXXX different collection agencies- XXXX XXXX XXXX in XXXX, XXXX XXXX in XX/XX/XXXX, now CBE Group. Each time I dispute the amount, it gets sold again.
Product: Prepaid card

I was gifted a prepaid Visa gift card on the XXXX of XX/XX/year>. On XX/XX/XXXX I registered the card at the required site ( XXXX ). The correct amount of funds seemed to appear. I then attempted to use the card for a purchase on XXXX. This purchase failed. I then attempted a purchase using XXXX, and it failed again. Then I attempted to add the card to a XXXX account to see if it could be used that way, and it get declined for every purchase. I called the customer support number listed on the back of the card. The customer support agent notified me that the merchant " can not attempt to store the card info. That will make the purchase fail. ". But that's nonsense because every online merchant stores debit card information. So I attempted to use the card at a local store and it failed again. At no point did I ever attempt to make a purchase that exceeded the amount loaded onto the card. I believe that the entire service is an outright scam at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a acct with speed cash on my credit that show up I never opened a acct with them I have tried to dispute it thru XXXX XXXX but nothing happens I talked to a agent there and they have me info speedy cash acct # XXXX the acct was opened XXXX XXXX the amt on the acct is XXXX
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 # XXXX, XXXX XXXX ; Account # XXXX, XXXX  XXXX ; Account # XXXX, XXXX XXXX  ; Account # XXXX, XXXX XXXX System ; Account # XXXX, XXXX ; Account # XXXX, XXXX ; Account # TMR XXXX ; Account # XXXX, XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 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

This inquiry is not authorized and was done by the creditors without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and XXXX  Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to Transunion