23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My phone and wallet went missing and stuff started popping up on my credit file and bank file that I didn't recognize. I recently received paperwork from my consumer file stating transactions were did to my account. I don't recognize the transactions and they are unauthorized and fraudulent. Also the consumer report file stated that my telephone number was XXXX and the telephone number I had with the account was XXXX. I never authorized anyone to speak on my behalf or do anything to my account. I believe I am a victim of identity theft and a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Upstart Network Inc made a HARD credit inquiry without my knowledge or authorization. Their website offers consumers an option to see the available loan options without impacting their credit score. See attached photo of their website. 
On XX/XX/XXXX I requested my free credit report from XXXX  and found Upstart Network Inc obtained my credit file on XX/XX/XXXX. This inquiry is shown under " regular Inquiries '' that will remain on my credit profile for 2 yrs. See copy of credit report inquiry attached. 
I called Upstart and spoke with a representative who would only identify himself as " XXXX ''. He assured me that Upstart does not make " hard inquiries '' and instructed me to verify the information with the credit agency as there is nothing he could do to assist me. 
Upstart has clearly violated FCRA by obtaining my credit report. Their online marketing practice is deceptive, unfair and has negatively impacted my credit score and ability to obtain fair credit rates.
Product: Debt collection

I have repeatedly tried to work out a payment plan with Bonneville Collections in XXXX, Washington. The same woman has repeatedly called me harassing me for money I can not give. They tried to make an arrangement with me over a month ago for over {$200.00}. I explained that all I could give was {$100.00}. This woman kept saying I was trying to deflect my problems, questioning what my parents spent their money on when she asked why I couldnt just borrow money from my family, threatening garnishment whenever they want to Today she called to follow-up and I explained that nothing had changed this month and still all I could give is {$100.00} a month. She said she was trying to do me a favor by helping yourself fix this problem. She lied about details we spoke about in our last conversation that never happened. Finally she said that I could send in {$100.00} a month and they would maybe apply it to the debt. I asked if sending the {$100.00} in would be considered a payment arrangement so they wouldnt garnish me. She responded, Absolutely not. I dont know if its illegal to continue a garnishment if payments are being made, but the cruelty and level of harassment left me sobbing a second time. The total owed is {$900.00} which means I would pay it off in 9 months. They are absolutely unwilling to work this out and I have no other funds to provide them with, which I repeatedly explained to this woman. Please help me.
Product: Credit reporting or other personal consumer reports

Company indicated in their response this account was charged off. According to the IRS website, a charged off account is considered income to the company. I have never received a XXXX for tax purposes regarding this charged off account. Someone somewhere is eluding taxes and committing tax fraud.
Product: Student loan

American Education Services based in XXXX, PA has been servicing my student loan for approximately 7 years ( it was sold to them by XXXX XXXX ). Since that date, my principal balance has not dropped under the original loan amount of {$20.00}, XXXX. Every time I call AES to clarify these details I 'm told " I just do n't understand how interest works '' and that they 've only been servicing the loan since XX/XX/2015. I 'm never allowed to speak to a Supervisor and am told if I need more information I should contact XXXX XXXX. I 've paid over {$17000.00} towards this loan. My last statement says I still owe {$20000.00}. XXXX XXXX does n't even have a student loan program anymore so it 's virtually impossible for me to contact them for the details as AES has suggested. Based on internet complaints, I am NOT the only person in this situation. I just want to know where all my money has gone. They have harassed me by phone and mail claiming my payments have been late. After proving to them that my payment was made on time, it turns out they just had n't processed it on their end. These practices must be stopped.
Product: Credit reporting or other personal consumer reports

My loans thru nelnet/department of education were transferred/sold to XXXX in XXXX of 2023. A total balance of XXXX was transferred to them and I have been making payments to XXXX for the loans since XXXX when payments resumed after the pause. 

Nelet is still reporting I have a total of XXXX in loans remaining to them. These loans are already included in the XXXX transfer. The loans amounts showing up on all XXXX of credit report are : Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Not only do they show up with balances. They show a XXXX payment due on these accounts. I have repeatedly called and spoke to agents to get these taken off my credit report and they keep telling me XXXX needs to remove them. This has nothing to do with XXXX because the other loans are removed but these still remain on my credit report. XXXX already told me there is nothing they can do on their end because the reporting isn't coming from them
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Consumer Loan

# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent Experian a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XXXX 

Before that date, the other XXXX letters were sent on XX/XX/XXXX and XX/XX/XXXX. Experian did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with XXXX and XXXX as well, which I will share in attached files. For instance, XXXX originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Product: Credit reporting or other personal consumer reports

My TransUnion credit report contains unauthorized third-party supplemental information from XXXX, requested by XXXX XXXX XXXX XXXX XX/XX/year>2020. I did not authorize this data to be included in my report, which violates FCRA 1681b.
Product: Debt collection

My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX. 

On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds. 

My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX. 

I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien.

TD bank needs to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX. I am writing this letter to advise the credit bureaus that there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore I ask that these accounts be DELETED and updated in order to correct my credit file and protect my consumer reputation. I am a victim of identity theft and did not make the inquiries. I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade commission identity theft affidavit. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days blocked. This information has been causing me to be denied by credit companies and loans. I ask that per FCRA and FTC laws and regulations the inquiries and information listed in this report immediately be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. XXXX, Equifax, and XXXX all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!
Product: Mortgage

We received a notice dated XXXX XXXX, XXXX from the law firm of XXXX XXXX XXXX advising us that our Ocwen HELOC loan had been referred to them for foreclosure. The loan had been reinstated by telephone XXXX XXXX, XXXX and in writing XXXX XXXX, XXXX. Our bank transferred by wire {$5000.00}. ( substantially more than the {$2700.00} quoted as the reinstatement amount ) to Ocwen on XXXX XXXX, XXXX. Concurrently, our bank advised Ocwen of the funds transfer by email. Ocwen informed us by telephone on XXXX XXXX, XXXX that they reneged the reinstatement. 

Since XXXX XXXX, Ocwen changed the payoff amount and due date countless times. Each time a different Ocwen representative contacted us, not one of whom was aware of prior letters or phone calls or the most recent information given us by Ocwen. Also since that time Ocwen has been able to provide accurate accounting on our loan, whether it was credit for payments made ( substantiated by their own monthly statements ) and when, credit for additional payments made to principal, etc. We also received numerous calls requesting overdue payment amounts ; when asked for the remittance address, the Ocwen caller hung up the phone. On one occasion, I contacted the same representative and was told she was unavailable ; I said I 'd hold until she became available. After 2 hours I was told she 'd left for the day and it was n't known when she 'd return. 

When I had " telephone appointments '' with our designated " resolution manager '' I was contacted by yet another representative who said that that person was on another call, in a meeting, away from her desk among other reasons I could n't speak with the same person. Then the new representative, oblivious to former information, continued on to give more erroneous data. 

We have acted in good faith with Ocwen to no avail. Full documentation is available, if necessary, for all of the above statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.
Product: Credit reporting or other personal consumer reports

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Dear [ EXPERIAN XXXX XXXX ], I am writing to express my extreme dissatisfaction with the lack of progress regarding my dispute of fraudulent activity on my credit report. I filed a fraud claim on [ XX/XX/XXXX ] regarding [ listed items in each attachment ] The Fair Credit Reporting Act ( FCRA ) mandates a response from credit bureaus within 30 days of receiving a dispute. It has now been 56 days, and I have yet to receive any communication regarding my claim. 

This lack of response is unacceptable and a clear violation of my rights under the FCRA. These fraudulent entries have been on my report for a significant amount of time, and your continued inaction is causing me undue harm. 

Due to your failure to comply with the FCRA, I am prepared to take the following actions : File a lawsuit against your bureau. 

I demand immediate action on my dispute. Please remove the fraudulent entries from my credit report and provide me with a written confirmation of this change. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and eqiufax did not do a complete and thorough investigation into my credit disputes
Product: Credit reporting or other personal consumer reports

there is inaccurate addresses and names on my credit report causing decrease in credit score.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX {$490.00}, XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX {$7200.00}, XXXX XXXX {$1800.00}, XXXX XXXX XXXXXXXX XXXX {$170.00}, XXXX XXXX XXXXXXXX XXXX {$190.00}.
Product: Mortgage

On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was sent a report from check'r say I have some items on my driving record that hold me up from applying for companies the report has info that is completely old and has since been token care of with the DMV my driving record is clear with DMV but check'r the background check still has it on my report I would like this info removed please it's hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax and XXXX  that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDXXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent inquiry on my credit report today. I was notified by XXXXXXXX XXXX. I looked and there was an inquiry by XXXX. I was shortly thereafter called by XXXX and asked if I had applied for a credit card with them. I had not. They informed me they had shut down the application and recommended I call the 3 credit bureaus independently to have this inquiry removed and reported as fraud. I did this. Each credit bureau then recommended I submit a fraud complaint on FTC.gov, from where I was redirected to the CFPB website. I am now submitting this.
Product: Mortgage

I have had automatic payments for my mortgage with Caliber Home Loans set up for almost two years. After I lost my job due to COVID I spent two hours on hold with Caliber to call in and request a forbearance and cancel my automatic payments out of my checking account ( this was a full two weeks prior to when it normally comes out ). The call ended with me assuming I was having a 3  month forbearance and my automatic payment was canceled. 
Two weeks later the payment was still taken out. When I called Caliber and stayed on hold for another 2 hours, they apologized for the error and to reverse the transaction they claimed it would take 7-10 days to process a check. I told them this was unacceptable and I will incur overdraft fees. There response was I should call my bank and ask them to cancel the transaction. I expressed to them I do not want to call my bank ( XXXX  ) because I don't feel they should have to do extra work for something Caliber messed up on. I asked to speak with two levels of supervisors and they gave me the same answer. Unwilling to expedite a prompt return of my money and simply telling me to go through my bank. I expressed I understand mistakes happen and not upset at the intital mistake an associate of theirs made by not canceling it but that two levels of management would not do anything to rectify the situation.