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

On XX/XX/2022 I sent information to the three major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate. 

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is 100 percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter. 

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not 100 percent correct. It is also my undertanding that you have 45 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validate Account according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit card or prepaid card

I bought a prepaid Vanilla Go Visa loaded with {$500.00} at a local XXXX XXXX, CA, grocery store XXXX or more months back. I've tried to use it online for various purchases and invariably I get a screen telling me some version of 'Card purchase has not been allowed by the company. ' I've called them and been left on ignore XXXX minutes the first time and I hung up after XXXX minutes the 2nd time. Also have tried to find a contact email but no luck so far. There are no phone lines within XXXX miles of my home and cellular signal does not reach into the valley. The balance check done at XXXX XX/XX/2022 shows {$470.00} and the purchase was {$4.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money. 
Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due. 
Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX. 
I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense. 
If they cant even send me a bill- do they have a right to report me? 
and why did my credit fall so far? 
and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay? 
thank you so much. 
XXXX XXXX XXXX
Product: Debt collection

I have two debts that I negotiated with Synchrony Bank to settle a Lowes and Home Design HI-PJL credit card. I thought I had made automatic payment withdrawal with both. I was hospitalized during the time the payment for the Home Design account became due, but thought I had setup automatic withdrawal so I did not contact Synchrony Bank. After my release, I notice the money had not been taken from my account. I contacted Synchrony and they told me there not an automatic withdrawal, but go ahead and make the payment that day and that is what I did. 

When the final payment was due in XXXX, I logged in to make the payment and could not find the link. After calling around, I was told the account was charged off five days after I was told to make the second payment and sent to collection. I was then told to call the collection company to dispute the bill so they could initiate an investigation. I did but then I received written correspondence that they could not find evidence of the XXXX payment. I responded by explaining that Synchrony had removed the link so I could make the payment and closed my complaint. 

I then sent another dispute letter with the final payment and expressed this was the final payment for the settlement they had prevented me from paying on time in XXXX and acceptance of the payment is their agreement to accept the final payment. Synchrony accepted the payment but then sent me another letter claiming they did not see my payment on time.
Product: Credit reporting or other personal consumer reports

I have not liable for the debt with XXXX XXXXXXXX XXXX XXXXXXXX and WORLD ACCEPTANCE - G I do not have a contract with WORLD ACCEPTANCE - G or XXXX XXXXXXXX XXXX XXXXXXXX and i was not provided with the original contract as requested
Product: Vehicle loan or lease

My wife was co-signer to a loan with her previous boyfriend ( signed while dating ). In XX/XX/XXXX, the vehicle owner crashed the car and stopped making payments to Wells Fargo.

Wells Fargo never attempted to reach out to my wife to inform her of the late or non-payments. Eventually, we noticed her credit score took hits and we contacted Wells Fargo. They informed us of the situation and we spoke to the vehicle owner to get what info we could. It was clear that the person who was in charge of the account wasn't going to be able to pay.

My wife and I made arrangements on XX/XX/XXXX with Wells Fargo to settle, in which they told us the settlement offer would be valid for 30 days. Prior to settling the account, we inquired around XX/XX/XXXX if there were any other ways to close out the account, other than paying in full and settlement. We knew settling would have an impact on her credit rating. Wells Fargo said they would look into it and get back to us within 24-48 hours. 

I attempted to reach the agent handling our case, XXXX XXXX in the " Office of the President '' on  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 3 times on XX/XX/XXXX with no return call. Asking someone at their main desk would forward me only to her voicemail indicating that she was in and would return my call right away. 

We did not hear back till the evening of XX/XX/XXXX. Told that best to either settle or make payments/pay in full. So I called the number given to just pay off the settlement and was told that it was sent to " Charge off '' on XX/XX/XXXX and may have additionally been in " Collections '' since prior to us even contacting Wells Fargo. 

My wife 's Credit Score is attached to this account and Wells Fargo made no attempt to reach us to inform her of the situation possibly before being sent to collections. The agent assigned to my case had to ask me even after on XX/XX/XXXX what my call was about to begin with. We were prevented or delayed in able to resolve a situation before it even needed to get to that point. 

I have reported my concern to the New York Consumer Protection Agency as of XX/XX/XXXX and have not yet been informed of a case number or any other information.

Wells Fargo has indicated the reason they did not contact the co-signer is because they had possibly been speaking with or making arrangements with the account holder / person who was in possession of the vehicle ( Prior to the accident ). I do not know if Wells Fargo benefits for having an account go into collections or charge off such as a Tax write-off for losses. My wife and I still paid the settle amount and are awaiting clarification from Wells Fargo if it will be on my wife 's credit report as a settlement or if " Charge-Off ''. We feel that a co-signer should be alerted if a payment is late or missed, even if they speak with the primary person on the account. Because of what we consider negligence on their part, my wife 's credit rating may be impacted and could take years to repair.
Product: Student loan

Hello, I am a XXXX  employee and I have been in the XXXX  on and off since XXXX. I have two issues : -Missing XXXX  count information -Outdate loan balance and lower credit score as my payments have not been applied to my account. 

The parties that are causing the issue : XXXXFEDLOAN -XXXX  -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Actions I have taken since XXXX : -Contact both XXXX and XXXX XXXX via XXXX, in person, and email to fill out the XXXX  form to get the months from XXXX XXXX XXXX added to my count for XXXX  employment. Both parties have failed to respond XXXXWork with Fedloan and now XXXX to resolve the issue. 

I have submitted the following to FEDLOAN : -PSLF forms indicating that the Agencies failed to fill out the forms -Emails -My XXXX  of XXXX XXXX XXXX XXXX employment record -XXXX XXXX Waiver Fedloan has giving me multiple excuses and now says XXXX is responsible. XXXX says they are still processing but the they do not have any records of forms or information for those months. 

On top of that my employer XXXX XXXX XXXX for XXXX XXXX ( XXXX ) has been making payments on my behalf. And since XX/XX/XXXX, those payments have not been added to my account and the old balance is still on my credit report, impacting me from shopping for a mortgage. The however, has been taken out of the account and I am paying taxes on these payments. XXXX has confirmed with my employer of receiving a payment in XXXX but the payment has not been added to my account. 

This is emotional draining because I always wanted to be a XXXX  XXXX  and went to XXXX  school because I kept being rejected. Now I am trying to use the resources recruiters told me about and it is hindering me from moving on with my life. 

I can't provide the emails as they went sent via my work email and the Fedloan XXXX is missing my documents. 

Please advise and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX  XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I explained every detail to Sallie Mae representative at on several occasions. But they kept pushing me aside and never proposed a real solutions to ease my difficulties. Instead, they threaten to make it more difficult for me.
Product: Credit card

Account was paid in full. Commenity bank charged late fees on a XXXX false interest charge.
Product: Debt collection

I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX  XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is NOT a duplicate complaint! This is a new complaint! DO NOT CLOSE COMPLAINT BEFORESHEFFIELD FINANCIALAND CFPB INVESTIGATION IS COMPLETED!! This attached documentFINANCIALLY SETTLEDwas notarized XX/XX/2022 this week and certifiedmail toSHEFFIELD FINANCIALthe same day! Exhibit XXXX  XXXX  contract VIN # XXXX, for slingshot Make : XXXX XXXX. Please respond to attacheddocument.
Product: Credit reporting, credit repair services, or other personal consumer reports

As shown on my credit report there was a debt from XXXX showing the amount of {$640.00} as well as another debt from XXXX XXXX XXXX  in the amount of {$5400.00}. Lawfully According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - I ask to SEE Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card

Please note that this company name Roosen, Varchetti & Olivier PLLC. XXXX XXXX, MI XXXX ( case no XXXX ) on a five years credit brought from XXXX XXXX. Also note this company refuse to give me a settlement pay off because I am having a financial hardship because of a XXXX XXXX XXXX XXXXXXXX and my work hours are reduce and force low income worker to pay debt in full by taking the money out of my pay check.
Product: Student loan

I qualify for XXXX XXXX to forgive my student loans and receive a refund and they are telling me that Earnest loans do not qualify since I refinanced the XXXX loans to Earnest. They are telling me Im not eligible. Im aware there is a Navient private loan forgiveness program. XXXX is the parent company of Earnest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 DDUpon 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  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

This company began calling me numerous times a day for months saying I was being sued for a loan account opened over a year prior. They also called my mom, who was not listed on the loan, telling her I was being served for legal purposes. I called back and made a payment arrangement with the company to stop the harassing calls. The agent I spoke to, XXXX XXXX, was rude and threatening during this process. My boyfriend was suspicious of the whole thing, so I decided to XXXX this company. Not a single legitimate thing came up regarding this company. False address, numerous scam complaints. I called the number back that I had used the day before, no answer, BUT the voicemail gave a different name and said the person was a floor supervisor. I called the number again and XXXX XXXX answered the phone. I told him that I closed the account that I gave them information for and that I contacted my attorney regarding them because they gave false information about the company and they had a false address. XXXX XXXX began yelling at me asking how googling their address had anything to do with this and that i just made things worse for myself by closing the bank account and cursing at me saying do you think I give a sh** about you paying back your loan? I told him my attorney would be contacting him and hung up. He then began calling me again from a different number and leaving voicemails.
Product: Credit reporting or other personal consumer reports

I have called Experian over and over again. They refuse to update my credit information and make it impossible to speak with a real person. I'm having problems with linking my account with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i woke up to an account being on my XXXX report from discover. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to XXXX  directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. XXXX says that as long as discover doesnt accept that my identity was stolen, then the charges stand. How is discover able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX XXXX  and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a discover card since 1999
Product: Mortgage

I have filed repeated complaints directly with XXXX XXXX about this issue listed in complaint number XXXX ... You closed it stating " take this up with XXXX XXXX XXXX XXXX '' Well this agency just refers me directly back to Fannie Mae and they continue to state the same thing which is ... BECAUSE I HAVE DEFERRED DUE TO COVID I AM STUCK WITH MY CURRENT LENDER AS XXXX XXXX REQUIRES THE FIRST UNPAID BALANCE PAIN IN FULL PRIOR TO BEING ABLE OFF THE SECOND UNPAID BALANCE! This means because I have a second balance of {$1900.00} there is NOW WAY to refi my house! Wells Fargo will not allow me to pay this amt directly XXXX I have even tried and they took all funds and applied to the primary balance ). I need CONSUMER FINANCE PROTECTION as someone has to step in and tell these companies you are penalizing the consumer and treating a measly {$1900.00} as a second mortgage ( and even it treated as a second mortgage I would have the opportunity to pay on this amt prior to paying off the $ XXXX I owe on primary balance! 

THIS IS INSANE!!!! PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the account was not reporting accurately. i had two late payments on the account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I'm requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX  XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX