23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXX. Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.
Product: Checking or savings account

Every time I deposit my payroll check they put a hold on my funds. Last time the put a hold of 4 days on a payroll check that I deposit twice a month the same amount. I stopped depositing the check and had to go to the other bank to cash my check with a teller and then deposit the cash in my bank. This week J tried it again and after putting the funds available I noticed they put a partial hold after the had already cleared all the funds..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times because I am unable to access my credit file. I called them for the last time on today  XXXX / XXXX / 2017  and spoke with a rude lady by the name of  XXXX   XXXX . I was calling to inform her that I needed to dispute three things on my credit report and she told me I could n't dispute them. Also, I asked her why I could n't access my credit file online like everyone else and she stated because I was a victim of identity thief. I understand that now but that matter has been cleared up for ove r 3-4  years now. I would like to access my credit file just like everyone else and she told me I would be able to access my file at all and this would be indefinite. Before hanging up I asked if I could speak with her  manager  or supervisor and she stated no. I want this lady removed from Equifax and I do n't want Equifax department of consumer affairs handling my credit file I want my file treated and maintained like a normal consumer. Please have Equifax release my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to TransUnion. They replied with a letter suggesting that I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent my letter. Please tell them to provide dispute results.
Product: Debt collection

I do not know what XXXX XXXX is. their is no activity on payment details on XXXX or XXXX. On XXXX  it onlu says that its in collections/charged off. XXXX is reporting as open but XXXX is reporting as closed. XXXX XXXX XXXX states that the accounts were opened on XX/XX/XXXX. XXXX has the last account activity on XX/XX/XXXX but XXXX has it as XX/XX/XXXX. how is that possible if they claim it was opened on XX/XX/XXXX. I KNOW this is fraudlent. I am in no way assciated with XXXX XXXX this is fraudlent and must be removed. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit card or prepaid card

A fraudulent credit card was opened in my name. I did not authorize this account. I would like this account to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I was in my XXXX  during this time and when I came home, I just noticed a pending amount of {$1900.00} in my account. The transaction is under my Apple credit card Which is owned by Goldman Sachs And the purchase was made online via XXXX  XXXX  and the item that was purchased is also an XXXX XXXX. I notified the Credit Card right away as soon as I saw the unauthorized purchased. Few minutes later, the same card was used again for amount of {$100.00} but this time the transaction was cancelled since I already made a phone call. And on that same day, my phone got blown up with spam messages. I also called and ask XXXX to provide me the information regarding with the purchase since this was made via XXXX XXXX, I asked them if they can help me provide the location of where, what state and which store was the item picked up and all they said is that its beyond their capabilities and I have to provide them an order number which I cant provide because I didnt make this purchase. My Apple Card is link to a different email while the notification for the purchased was sent into my other email. I tried to dispute this for the fourth time but, seems like the credit card company is not doing anything to resolve this problem and at the end of the day, they always end up putting back the charges on my account and said that theres no error found, and I am responsible of paying this amount. I am beyond frustrated Over this, it Never happened to me before and I dont know what else to do aside from trying to tell the credit company that they have to do their part and investigate this matter.
Product: Vehicle loan or lease

I was told make payments up to XXXX and they was gone start the process of me taking over that never happened nobody call me back when I was asking to I kept asking for the manager and they told me they didnt have one. They wrongfully repo my car with contacting me HONDA FINANCIAL COPR
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report that I owe a debt that I do not. This alleged debt has been paid since day XXXX by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.
Product: Debt collection

We had XXXX install our internet in XXXX of 2020 at our XXXX house. They did a terrible job of the installation. They ran the disc by the driveway leaning over, ran the cable over the driveway. The system never worked and within a week, the cable was torn over the driveway and the disc was leaning over. I called the company about fixing it, and I could not get them to respond. I finally just asked them to cancel it because it wasn't working. We NEVER got internet. They told me I would have to pay a {$360.00} cancellation fee. I responded by saying that contracts work both ways and they have a responsibility to fix the service or cancel. The girl suggested I suspend the service which I did. I forgot about the service. We used our hot spot on our phone and the account came out of suspension came in XXXX of XXXX. I asked them at that time to come get their equipment. They refused. They did ask me to mail back on turn in the XXXX box. I think that box got thrown away. We forgot it belonged to that service because it didn't work and disconnected it completely. I took responsibility for the box and said I would pay them the {$300.00} to cover the cost of the box, but I was refusing to pay for service I never received. They continue to send me debt collection and have creditors call me. I have disputed in writing twice and by phone. Once on the phone I offered the {$300.00} to cover the cost of the box because that is what they told me the box cost. They refused the {$300.00} payment. I am standing my ground on principal alone. They didn't provide a service, and I shouldn't be XXXX into paying for something I never received.
Product: Debt collection

I am writing to address a matter of utmost importance regarding the reporting of an account under my name in your credit records. The account in question is associated with XXXX XXXX, with the account number XXXX. I appreciate your attention to this matter, as it involves a unique circumstance. Unfortunately, my father, the primary account holder, passed away recently, and as a result, I encountered challenges that led to a single late payment on the aforementioned account. I have been in communication with XXXX XXXX, and I am pleased to inform you that they have acknowledged the circumstances surrounding this late payment and have agreed, as a goodwill gesture, to remove the negative status and the associated late payment date from my credit history. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

for XXXX after working 30 year 's. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX PS I'm attaching copies
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX money was taken out of our checking account to an. we contacted the bank they told us it was for the housing insurance because our insurance company dropped our coverage. We followed up several times with the bank and contacted the XXXX  department. We were told by the XXXX department they do not remove funds from your account but add any fees or charges to the end of your mortgage. In XXXX we decided to pay off our mortgage and found out that we had to pay an additional {$3100.00} in order to complete the mortgage. When we contacted the XXXX department and told them the full story they reiterated that they do not take the money out from your account but add it to the end and that is why we had to pay the extra {$3100.00}. Now when we contact the bank they tell us that they can not find out why or where the money went to. We've been on the phone and at the branch talking to every possible department. we sent information via fax and other documents to the main branch, at times they said they did not receive that information, And they had no further ability to help, and as of today they told us they are unable to help us., so this is why we decided to contact the FTC XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Reporting differently on all credit agencies- payments should show that they are all on time. 

XXXX XXXX XXXX This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. 

XXXX XXXX XXXX- This company is reporting misinformation which is not consistent on all XXXX credit bureaus. this is not my account and should be deleted. 

XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. 

XXXX XXXX  This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. 

XXXX XXXX XXXX XXXX- this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. 

XXXX XXXX- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. 

Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXXL XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Product: Mortgage

Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and demand immediate corrective action regarding the mishandling of my personal information as a result of the XXXX XXXX and Equifax data breaches. These breaches, which exposed my sensitive personal and financial information, have caused significant harm, including fraudulent activity and inaccurate reporting on my credit file. 

The breach of trust by these institutions has left me vulnerable to identity theft and financial fraud, which has already resulted in unauthorized accounts being opened in my name and incorrect reporting on my credit. This is unacceptable, and I expect the Consumer Financial Protection Bureau to take swift and aggressive action to rectify these issues.
Product: Prepaid card

Rush card took what money I had left. No deposit is showing. I know it goes in today. No answers from the company. I need my money now.
Product: Credit reporting or other personal consumer reports

Dear, transunion, XXXX, and XXXX I would like you to remove all the inaccurate and misleading information from my credit report. 
Such as addresses 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

On XX/XX/2018 Factual Data made an inquiry on my XXXX  credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax to find out why they put a security freeze on my credit and to remove the freeze and the representative told me unless I pay {$5.00} dollars they will not remove it. I told representative that I did not request a security freeze and I will not give them money to remove anything. I asked to speak with a manager and the rep put a supervisor on the line. Her name was XXXX employee # XXXX. I explained to her I did not ask for them to place a security freeze on my credit and to remove it. She told me unless I pay the {$5.00}. This is my information and I will not be subject to pay for a procedure I did not ask for. I had to pay the {$5.00} dollars but I want my money back for a issue that Equifax decided to put on my account.
Product: Credit reporting

I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. 
I have contacted the court and they did not furnish this information to XXXX. This accounts are not mine and XXXX sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine. There are additional inconsistencies that I have advised XXXX of in my consumer legal action. 

I disputed the accuracy with XXXX and the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account, I now have the right to have you prove you are furnishing accurate information to my credit reports. 

Here is what I am now demanding : Please provide copies of the actual documentation you used to " verify '' this account with the credit bureaus and to update XXXX to remove these records.
Product: Vehicle loan or lease

On XX/XX/2018 my husband and I bought a car in XXXX  XXXX XXXX. 
They run our SSN through several financial companies without our authorization, finally the only one that approved the loan was Westlake Financial Services. 
After a few days, we received the account information to setup autopay and we realized that my SSN ( XXXX XXXX ) was wrong, immediately I send them many e-mails reporting this problem and also making several calls to fix it but they refuse. 
Info : Westlake account number XXXX Our info : Main = XXXX XXXX SSN -- - -- XXXX ( reported OK ) Co-signer = XXXX XXXX SSN -- - -- XXXX ( they put another SSN ) So they never report my on-time payments to Credit Bureaus and my score shows no activity yet.
Product: Credit card

I was charged a late fee of {$30.00} when I actually paid the amount owed 12 days before the due date. Then, when I got fed up by trying to get past the AI wall at XXXX and speak to a human being, I canceled my card in XXXX and paid it off in full. In XXXX, I was emailed a statement that I was being charged can additional {$41.00} late fee for the month of XXXX. There was no payment due. 

I finally spoke with a person and got no further with her than I had with the XXXX. I paid the amount she asked for and told her to make sure I was not billed anymore in future. She assured me that the account had indeed been closed in XXXX but seemed to have no understanding that I was charged a late fee for an account that had a XXXX balance and that had been canceled XXXX month prior. 

The company involved was the XXXX XXXX XXXX XXXX from XXXX.
Product: Mortgage

Round point purchased my mortgage from XXXX. I paid flagstar this month but Roundpoint says I am delinquent. THERE IS NO NUMBER TO CALL FOR SUPPORT ANYHWERE ON THEIR SITE!!! Is this legal? What about customer support? What a joke!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Product: Credit card

On XX/XX/XXXX, I ordered some shoes on a online retailer named XXXX  for the amount of {$470.00}. On the XXXX of that month, They sent me a email saying that it was delivered. I NEVER saw a package in my home. My sister was home at the time and didn't hear anything from the door. On XX/XX/XXXX, I called Chase ( because they sent me a email and a message to call them ) and they stated that XXXX sent more evidence that the package was deliver and wont dispute the case. And it didn't end in my favor.
Product: Mortgage

I currently have a mortgage through United Wholesale Mortgage. I have had a loan with the institution since XX/XX/XXXX. Since the loan was originated, I have made all mortgage payments through the XXXX XXXX XXXX XXXX bill pay function. I submitted an XXXX payment on XX/XX/XXXX. The XXXX XXXX XXXX XXXX confirmed the payment was sent and even provided a scanned copy of the mortgage check showing United Wholesale Mortgage deposited the check, but not to my account. I have made several phone calls with little help. I have faxed, scanned and emailed the check to every person I have been instructed to. I have not received a response nor has the money been credited to my account. As of today, XX/XX/XXXX, my account is still missing the XXXX mortgage payment and they have sent the info to the credit bureau 's. I have all documentation from the XXXX XXXX XXXX XXXX confirming the check was sent, received and deposited. In addition, rather than speaking with an actual United Wholesale Mortgage representative, I am repeatedly transferred to a debt collection agent with no access to my account and put on hold for hours at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX nm three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit
Product: Prepaid card

I noticed charges on my account, not mine, and immediately contacted them asked them to do a atop pay or something to stop them from taking my money qhike it was still pending. XXXX XXXX. They told I had to wait til the charges completed then dispute. I said want to go through that, but I had to because they would not help any other way. When that happened I immediately filed the disputes and sent them in writing. I've contacted them many times at least to request the provisional credit. I live paycheck to paycheck, my electricity was cut off, I pleaded with them to at least give me the provisional credit. I contacted them when this was going on, they should have it on file these charges are not mine. However, they don't care and haven't responded, when i call they have even told me they have no dispute dept. I just want my money that was taken from. At the time it was taken, I had no official card, my card was supposed to be mailed never got til afterwards, thrn when I called to activate, the card doesn't even work I had to order another and it hasn't arrived. So how did they take the money out, I don't know, maybe Friday knows they are thr only ones with access to my account.