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

XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely
Product: Prepaid card

I filed a dispute for a charge to XXXX that they refuse to accept so I went to the cash app support filed a claim told the agent it was for one charge and when I got the paperwork they tried to dispute the whole charge and told me I was at fault even after providing proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This charge was supposed to be paid through insurance company but was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my mortgage for a few months. The months that I was late was reported on my credit as delinquent for those specific months. Now Im on a forebearance paying back what I owe spit into XXXX months and paying my regular mortgage. Although those months have already been reported delinquent, they are not giving me credit on my credit report for my current regular payments that I have been making since XXXX of this year. They are still reporting as delinquent.
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 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, 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 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, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

On XX/XX/2023 I contacted aidVantage to ask for a breakdown of ( 1 ) my current XXXX loan balance ( 2 ) my current XXXX  loan balance and ( XXXX ) total of all payments paid toward my graduate loans. They told me to contact the Department of Education. On XX/XX/2023 I called the Department of Education and requested the same as above and was told that aidVantage is the ONLY organization that can supply this information and to call them back. I called back aidVantage the same day and made the same request, they said they could not look this up but would make the request. I also sent them an email to make sure they understood the request. Attached is a copy of their response which is nonsensical. They said they do not have access to this information and asked me to find my original consolidation information and look there, but that makes no sense as it is about XXXX years old, would not contain interested accrued or payments applied and since my loans have been consolidated on multiple occasions, this is not possible. The Department of Education has made it clear that aidVantage is the only organization to supple the data and I hereby demand the send the information or forgive the full balance of all loans and submit a full refund for all payments applied. The are intentionally being negligent with my information, my payments, my balances and willfully withholding key information about my account. I would like to report them to the Federal Studen Aid for intentional and wilful disregard of the wellbeing of my account and finances and wilfully withholding pertinent information they are stewards of and required to disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both Equifax and XXXX XXXX. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I checked online with XXXX  XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX XXXX was coming XXXX and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by XXXX  that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX  XXXX. 
XX/XX/XXXX Several Wire xfers did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX
Product: Debt collection

This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX. 
The callers call me several times a day. My job is affected.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Checking or savings account

On XX/XX/XXXX, in a XXXX XXXX XXXX  meeting advertised under the XXXX XXXX chambers of commerce, a representative from First United Bank XXXX XXXX mentioned that the bank has community outreach that I can put business cards there on XXXX XXXX, I paid a visit to their branch at XXXX and I met XXXX XXXX, who claimed herself the assistant manager with XXXX on the spot. They talked about having free books there, and said selling book there putting promotional stuff apart from business cards. Based on what they said I decided to open an account. 

On XX/XX/XXXX, I brought the documents with my husband XXXX XXXX to open an account that is a checking account to try the service. I then talked to XXXX and noticed that her title is Senior Relationship Banker, about try to sell my book there and she offered to sell but with money donated to the school district. I then said that I contacted XXXX XXXX XXXX XXXX already that I will donate to them. She then said that they can set up a donation fund but start XXXX, putting the sales of the book to it and have the bank presented to the library. They will do a 3 month period. I then told the library the arrangement. 

XXXX originally said that she would be in the bank for my opening of account suddenly told me that she couldnt be there. After I Left the bank, she texted me in minutes saying I can put my stuff on XXXX branch as I have a clinic /office at XXXX Our texts communication : Hi XXXX XXXX I have a question : years ago, I coauthored a book with XXXX XXXX XXXX XXXX XXXX XXXX ) and other authors. I wonder if I can have donation sales in your bank and have your bank presents the donation to XXXX XXXX in XXXX which is a sub chapter of XXXX XXXX XXXX. And I have in Print-outs. 

I spoke with our Spend Life Wisely Ambassador who manages the books and donations and she mentioned we are not able to display books that have not been approved by corporate. Im sorry I know XXXX was trying to help out but I dont believe its something were able to do. 
We are more than happy to use you as our local spotlight at our XXXX XXXX or XXXX location still! 

I Open an account not because I want to be a spotlight although this is their offer on XX/XX/XXXX. 

I believe it is a misrepresentation and fraudulent business practice. 

Who can trust that they will allure me to purchase their services by saying that I can be the spotlight and later will eat their words after getting my money? 

This is the core of whats happening my husband XXXX XXXX can be a witness. I can understand a corporate decision on book stuff but not to cheat to get business. 

If this can not be resolved satisfactorily, I will file a complaint to federal reserve too!!!
Product: Debt collection

The caller has called me everyday. Although I informed them that I have never lived at an address they are asking, they keep calling and asking me for information about who I am that may be used to spam me I suspect. Ive blocked the number and asked them not to call me but they continue to call me on my home and mobile phone. They change numbers and although I block each number, they still have found a way to get around the blocking. The number they are calling from is XXXX and XXXX and XXXX. They keep changing the number each time I block them.
Product: Credit card

I was charged an annual renewal fee for my XXXX XXXX XXXX card before a year was up. I had planned to cancel this card before a year had elapsed ( XX/XX/XXXX ). 

When I asked to have the fee refuneded because a year had not elapsed, the bank ( citibank ) said a standard policy was to switch the card over to a free version and refund the unduly charged fee. 

However, upon proceeding, after the conversion, I was told the refund the {$99.00} annual fee would take XXXX  days to refund! No information would be provided on why the refund duration was so long no matter how the question was asked. I think a fee refund that takes over XXXX billing cycle should not be allowed because it allows the bank to keep the funds hostage as a statement or negative balance on the card.
Product: Debt collection

A lady named XXXX XXXX, working for a company called XXXX contacted my neighbor. My neighbor said she must have just searched for numbers belonging to people in our neighborhood because she did not know her name but asked if she lived in our subdivision which she named and then she asked her if she knew me in the neighborhood. My neighbor said not knowing if it was an emergency she said yes she is my neighbor. At this point XXXX proceeded to tell her she and I were business partners doing business together and that she had n't talked to me in a while and the number she had for me no longer worked. She asked my number if she had my number and when she was not able to get that information she gave her a number for me to contact. I do not know any of my neighbors like that and I only know this ladies name and her mines because we introduced ourselves to XXXX another. This was completely out of line and illegal and I would like to do whatever I can legally to make sure this does not happen ever again. The number she gave my neighbor is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 a settlement was made to XXXX XXXXXXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ XXXX.
Product: Checking or savings account

So on XX/XX/2023 my debit card was fraudulently over charged by a XXXX XXXX  company. I approved a {$1000.00} transaction and was actually charged XXXX  times, so a total of {$3000.00}, even tho I only approved {$1000.00}. Wells Fargo didn't notify me at the moment of these transactions so had no idea they were made. I submitted a claim on Wells Fargo claims assistance for the {$2000.00} and was refunded the money, and I thought I was good. Fast forward to XXXX XXXX, wells fargo sent me an email stating they had found " proof '' I made those transactions and took the {$2000.00} out of my account, they didn't send me none of the proof. I really have no idea what they meant by proof, it's also very suspicious because they only have XXXX  days to settle a claim and they almost took the whole XXXX days. These are the claim numbers claim XXXX XXXX and Claim Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account on my credit report with no creditor listed. I have been unable to send out validation request because I am unaware who is reporting these accounts or if this account even belongs to me. I have sent 3 dispute letters to Equifax since XXXX of 2021 asking them to investigate this account and I have yet to receive a written response or see any updates.