23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX in XXXX XXXX, CA made false claims that they would provide job prospects and placement upon graduation and sold high cost loans to pay for that false hope then harassed me for overdue debts while I was in school. The school never intended to extend classes to allow me to finish my educational program. I made several attempts to continue classes but the school never complied. This was negligent on the school. I did not get the opportunity to finish school, so I was never allowed to get job placement. I filed for discharge on the loan based on False Certification Ability to benefit and I am in legal pursuit for debt forgiveness by defraud.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a voicemail from XXXX XXXX saying that they ( XXXX XXXX ) would becoming to serve me notice with a uniformed officer. She stated that a company called QC Holdings was trying to collect {$2000.00} from me for a loan I didnt receive, I called the company and left a message for them to call me. I honestly do not know of this loan that this person said I got in XXXX. She called again today and said I better be home to receive the notice. She also called my daughter while she was at work and this is totally uncalled for being that they had already gotten ahold of me. I have spoken to someone at this office twice already. Then my ex-husband informs me that he was notified of all this. Please let me know what to do. I believe the number for the company is XXXX. I left a message. Have never done business with lendnation or QCholdings.Also the number left on the voicemail was XXXX.
Product: Debt collection

As of XX/XX/2023 National Credit System is still reporting a collection account with the 3 credit report companies ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$1000.00}. 
I have been disputing this account with the XXXX credit bureaus for years! I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.
Product: Money transfer, virtual currency, or money service

I received an email notification from PayPal that I had transferred {$200.00} to my son. Shortly thereafter, I checked my PayPal transaction history and it indicated that I had sent two payments of {$200.00} each to my son on XX/XX/2022. I changed my password immediately and notified PayPal that I had not sent the money on either transaction. They looked in my history and saw that I had previously sent money to this son and said nothing was wrong and that they were doing nothing. Yesterday, XX/XX/XXXX, they sent my son an email saying that they were holding one of the {$200.00} transactions because of suspicious activity on my account. They refuse to address the basic problem that someone made two {$200.00} unauthorized transactions removing a total of {$400.00} from my bank account. This is theft and fraud. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received an email from One main financial stating that I could pre-qualify for a loan and that it would not affect my credit score in any way I then proceeded to submit the last XXXX of my social to see if I pre-qualified at that time it said that I did not. This happened on XX/XX/XXXX around XXXXXXXX XXXX. I then received an email from XXXX stating that they had done a hard inquiry on my XXXX XXXX from One main financial, who told me that it would not affect my XXXX XXXX in any way. I would like to have this resolved because they did lie when in fact they did check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for XXXX, Equifax, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from XXXX or Equifax. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX XXXX or Transunion!
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial data systems is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.
Product: Credit reporting or other personal consumer reports

I want to inform the 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 Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both transunion XXXX and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
Product: Debt collection

Your full name : XXXX XXXX XXXX : XXXX XXXX Dear Collector : This letter is regarding an offer regarding the account listed below : ACCOUNT NAME & ACCOUNT NUMBER : XXXX You have breached your agreement with me by failing to delete the paid account above from all XXXX credit bureaus. I know that it takes the credit bureaus XXXX to XXXX  days to update their files after I paid the account. As of today, its been more than XXXX days since I paid this account, and its still listed on my credit reports. In our agreement signed by you and me, you agreed to do the following if I paid the debt in full : ( XXXX ). Remove the debt above from all XXXX credit bureaus within XXXX days of payment. 
( XXXX ). Send me a letter stating that the account above will be deleted. 
( XXXX ). Stop all debt collection activity. 

As of today, the debt still has not been deleted from my credit report.Im giving you the opportunity to delete the above account according to our agreement within XXXX days. If its not done I will be contacting my attorney to enforce this contract. Please delete this account ASAP. 

I will check my credit report in XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

I am disputing a collection account added recently onto my credit report of Equifax with no creditor name given, nor any proper information are provided but an amount for {$1400.00} appearing on my credit report ( see attached copy of my Equifax report ) My consumer report is inaccurate and unfairly reported. You took information from an alleged creditor ( still dont know what it is!! ) then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

Please note that under the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), failure to investigate and correct any inaccuracies in my credit report could result in legal action. I trust that Equifax will handle this dispute with the utmost diligence and resolve the matter promptly.
Product: Checking or savings account

For about 4 years {$150.00} had been transferred via allotment on my LES to Bank of America. I called to try to find the account and was told the account doesnt exist yet the routing number is for Bank of America. I have called ever department including XXXX  and havent been able to find the account. Over {$7000.00} is unaccounted for.
Product: Credit reporting or other personal consumer reports

I am writing in response to your communication regarding the late payment status reported on my account for the XXXX XXXX XXXX XXXX account. I respectfully assert that the continued reporting of this late payment is unlawful and must be immediately corrected. 

I would like to specifically address your assertion that you sent a proper notice in accordance with 15 U.S.C. 1666 ( b ), which requires a notice to be sent 21 days prior to the due date. I have not received any such notice, nor have I been provided with a green return receipt or tracking number to verify delivery of such a notice. As the law clearly requires that this notice be sent and documented, the failure to provide such proof indicates that the reporting of the late payment is in violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information provided to credit reporting agencies must be accurate, complete, and verifiable. Continuing to report a late payment when no proper notice was sent, and when the payments were ultimately made in good faith, is inconsistent with these requirements. 

Moreover, XXXX XXXX, XXXX CFR XXXX imposes an obligation on creditors to ensure the accuracy of all information reported to consumer reporting agencies. The failure to substantiate your claim of timely notification further undermines the accuracy of the late payment reporting, and it constitutes a violation of this regulation. 

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, protects consumers from any unfair or discriminatory reporting practices that adversely affect credit access. The continued reporting of a late payment status, despite my good faith efforts to resolve the matter, unfairly impacts my ability to obtain credit and is not an accurate reflection of my payment history.
Product: Debt collection

I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of GC Services. 

GC Services representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of XXXX ( XXXX  XXXX XXXX XXXX XXXX ) who owned the Identity Theft Federal Student Loan. 

XXXX has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. XXXX continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the GC Services representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent GC Services a copy of the FTC identity theft report and addendum documents required. 

On both occasions, GC Services representatives informed me that this will negatively affect my credit.
Product: Debt collection

I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting or other personal consumer reports

I was checking my credit report and I seen this account that was open in XX/XX/year> but it dont belong to me its from a company called XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested everything that was on my credit report that was incorrect that was deleted from my credit I never received them I keep getting the up date one I requested everything from my old one from all credit report agency that was deleted from my credit file
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX once a week I get my employment pay check have been since XX/XX/XXXX direct deposit more than half of the time from then to now. I work for XXXX. XXXX does offer XXXX  XXXX, so my check gets sent to the XXXX  XXXX  company then XXXX  XXXX  would send it to my direct deposit with chime ... every XXXX  around XXXX XXXX  I would get my checks on my chime debit before I even started getting XXXX XXXX  ... when I got XXXX  XXXX  in probably late XX/XX/XXXX the remaining amount left over from my XXXX  pay check that I didn't take out daily would be on my card on XXXX  XXXX.. the chime credit builder card was now my direct deposit card through chime of course... I had signed up for a subscription or something that I didn't plan too and forgot to cancel... so I locked my card and when I would get my checks I would transfer from my chime credit builder to my chime debit well I lost my credit builder card n debit card also lost my phone so i couldnt verify the phone numebr and chime stated every email I'd given was wrong.. I know at least one of XXXX or XXXX i gave out was it ... my direct deposit has been thru the same place XXXX  same time since XXXX of last yr.. my social security number didn't change neither my address... I ordered new cards to be sent to me from chime the lady stated I would have a virtual card on mobile app until my cards arrived... but I wasn't getting anywhere after about 30 plus emails... of them asking for selfish XXXX my drivers license and even the date XXXX my drivers license and email I did that email at least XXXX times... I've called even XXXX  XXXX  said they would override it but could take 4 to 6 weeks.. they said nope chime had to deal XXXX it ... the new cards came in the mail... I activated both credit builder XXXX chime debit my {$460.00} was not on the cards either one I had XXXX balance... I also had a whole new account XXXX routing number so that messed up my direct deposit... I call and ask to speak to a supervisor and they say the same thing if I want to have the email or whatever I just want access to the online account chime said I needed to email XXXX my issues they asked if I could send them an email from my original account to verify.. I told then I couldn't do XXXX an email back it's been 2 weeks XXXX nothing from them.. the last conversation they closed my account but can't tell me what or where my money went
Product: Checking or savings account

We were victims of identity theft back in XX/XX/XXXX at Wells Fargo Bank, I filed a XXXX page CFPB complaint and XXXX attachments ( case number XXXX. ) The bank sent an official reply of XX/XX/XXXX and proclaims the case is closed. ( Wells Fargo case number XXXX. ) The case is not settled and Wells Fargo should remain accountable for a cashiers check they advised they mailed to the impersonator XX/XX/XXXX ( check was dated XX/XX/XXXX ) in the amount {$1400.00}. The check was cashed and we are still awaiting the funds to be returned. 

In Wells Fargo 's XX/XX/XXXX letter they advised the claim amount checks were mailed to the address XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. I submitted a copy of the check the check was not mailed to the address they claim but to the impersonator 's address. 

The check was forged and cashed. Wells Fargo has advised they are seeking the funds from the company that cashed the check. This should be Wells Fargo 's responsibility to return the funds to us as they mailed the check to the wrong address and the check was cashed. I had called the bank on XX/XX/XXXX to confirm they had the correct address and again on XX/XX/XXXX to confirm the check was mailed. They confirmed the check was sent, but advised me it went to the impersonator 's address. When I received a copy of the forged check, I noticed the issue date was XX/XX/XXXX. They could have easily stopped payment on that check. 

The response to my original complaint by Wells Fargo on XX/XX/XXXX is very vague when it comes to details. Their lack of specific details makes this case look more favorable on their behalf. My original complaint and their reply do not coincide in many areas. To add insult to injury, on XX/XX/XXXX I receive a letter from Wells Fargo that I XXXX be a victim of identity theft that actually occurred early XX/XX/XXXX. The same day Wells Fargo sent me another letter regarding potential identity theft along with a kit regarding steps to take.
Product: Mortgage

Closing on our home took place on XX/XX/XXXX. 

Guaranteed Rate was our mortgage company. Closing appeared to go smoothly. Escrow account was set up based on XXXX property tax amount because XXXX tax bills were not released as of our closing. The closing attorney 's office, XXXX XXXX XXXX XXXX, XXXX prepared the lender 's title commitment according to the full XXXX tax bill amount, XXXX. 
The loan processor, XXXX XXXX, did not use the information in the title commitment. She got XXXX pulled up the tax bill online -- not realizing that XXXX taxes were paid in TWO installments -- and only accounted for the FIRST tax bill amount of XXXX. 

In XXXX, XXXX we were notified that our monthly payment was increasing from {$1900.00} to {$2200.00} due to a shortage in our escrow account. This was unexpected because XXXX property was {$6000.00} -- only about {$150.00} more than XXXX. 
However, because of the loan processor 's careless mistake, our escrow account came up very short when the taxes were paid. 

After extensive investigation on my part, our new escrow calculation was influenced by 1 ) the loan processor 's mistake, 2 ) Guaranteed Rate 's requirement for more money in escrow for cushion, and 3 ) the XXXX tax amount being the estimate for XXXX 's property taxes. 

My family has made it work, but a $ 300 monthly payment increase has been a hardship that could have been avoided if we were able to budget according to correct calculations. Guaranteed Rate 's mistake was the only reason we've had trouble. 

I've contacted the main loan servicing phone number, sent documentation to the servicer 's email account for escrow problems, and requested help from the loan officer XXXX XXXX and his supervisor XXXX XXXX. I've explained the situation and they've offered no help. Nothing.