23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint concerns the inaccurate reporting of three XXXX student loans on my XXXX and Equifax credit report. These loans were previously part of a larger account of XXXX loans that were closed and successfully removed from my report. However, these XXXX accounts have recently reappeared on my credit report despite providing evidence of the account closure. XXXX has failed to remove the inaccurate entries and continues to assert that the information is correct. 

This issue is particularly concerning in light of recent actions against XXXX for significant violations in student loan servicing. XXXX has been fined and prohibited from working with the Department of Education due to widespread issues, including the inaccurate reporting of loan information. This raises concerns about the accuracy and reliability of XXXX data on my XXXX credit report and XXXX 's due diligence in addressing these systemic issues. 

Supporting Documentation ( upon request ) : Copies of previous dispute submissions to XXXX Evidence of loan closure ( e.g., account statements, letters from XXXX ) Copies of correspondence with XXXX Publicly available information regarding XXXX 's recent fines and sanctions Documentation showing the initial removal of the accounts from my credit report ( e.g., previous credit reports where the accounts were not present )
Product: Student loan

Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX  creditor : XXXX XXXX XXXX account # XXXX balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After an investigation, Equifax deleted a bankruptcy that was being reported in my Equifax credit report. Equifax reinserted the deleted bankruptcy & never notified me in writing as required by 15 U.S.C. 8 16811- U.S. Code. Unfortunately, I found out that it was reinserted when I was denied credit as a result. 

Additionally, I've contacted the 3rd party vendor XXXX that Equifax says they obtained the information from & XXXX verified they do not have a record of bankruptcy on file for me. 

I've attached a copy of the report with the bankruptcy being reported as of XX/XX/XXXX I've also attached a copy of my report as of XX/XX/XXXX with no bankruptcy reported It is now being reported & there was no notification of the reinsertion. 

I've also attached the XXXX Notice & Table of Contents as of XX/XX/XXXX in which there is no notification of bankruptcy as XXXX says it would be noted in the Table of Contents if there was one.
Product: Debt collection

i have tried to get these two collections off of my credit bureau report through all 3. They are very old. XXXX and XXXX.one of  the companies are no longer in business and XXXX XXXX XXXX is still trying to collect for {$120.00} and XXXX XXXX XXXX is not in business anymore. 

XXXX XXXX service is an old account for {$120.00} and has been paid. They will not take it off. Its old from XXXX. Actually XXXX.
Product: Checking or savings account

XX/XX/23 XXXX my husband was driving for work as a delivery driver and he received a text stating from Huntington asking if he authorized a XXXX XXXX and he sent back..NO.. then he received a call and person on the phone starting asking questions to verify they were talking with the account holder ( how much in account/address/etc.. ) my husband got a little suspicious and told the person he thought this scam and ended the call. After that he had received other text messages and phone calls from different # 's and he did not answer anything not knowing if they are scams or not. At XXXX pm we went to a Huntington branch and reported the fraud since by that time there were XXXX separate charges on his debit card that he did not charge nor authorize totaling {$2000.00}. We immediately cancelled that debit card ( XXXX ) and issued a new one and starting the fraud/dispute process. The bank teller did look at my husbands phone and she changed some of the # 's to say scam so he did not answer if they kept calling. Huntington did give us a provisional credit for that amount. On XX/XX/23 we received a letter stating they deemed the charges " valid '' and would be reversing the credit on XX/XX/23. We immediately went back to the bank and re-opened the case. I filed a police report ( which during the conversion the sheriff stated they phone # with the original text message that started this fraud was known to them ), we wrote a summary of what happened-sent it to the dispute center email. Sent screen shots of text messages. I gave Huntington authorization to discuss this fraud with the XXXX XXXX sheriffs dept. I have spent hours and hours on the phone with was I thought was the dispute dept trying to get this resolved and asking what can I do, asking for help. I have talked to many people and I found out that some of the people I talked to were with the dispute dept but a majority was with customer service people ( I did not know that ). On XX/XX/23 we received another letter from Huntington stating these charges were " authorized ''. The information they " found '' was inconsistent with the information we provided. We have since been trying to work with the original teller that helped us on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is specific to practices by capital one bank. I held a personal line of credit with lender since XX/XX/XXXX. I received a letter from capital one XXXX XXXX which claimed the loan was in Default and no additional credit would be extended and once the loan was paid in full the account t would be closed. I was unaware of any default on the account but did immediately paid off the balance of approximately 24k in a single payment. I contacted the lender and was informed capital one no longer offers personal loans and is marking all accounts where possible as in default. It didnt make sense to me at the time but upon reviewing my recent credit report I see that capital one reported my account as delinquent virtually destroying my credit score. They clearly sought a way to remove themselves from the personal loan and caused me personal harm in the process. After seeing the impact to my credit I Immediately contacted capital one to learn they claim my XXXX payment was late because I didnt make the minimum payment. I advised them my payments were always made online through their platform including the final payment to pay the balance. They stated I should not have relied on the minimum monthly payment reflected on line as that could have been inaccurate. In fact they state I paid an incorrect amount prior month ( despite what was stated as the minimum payment online ) which caused a portion of the unpaid amount to carryover from month to month unknown to me. The customer service representative informed me the capital one online banking system was not where we want them to be and that I should not have relied on the minimum payment amount reflected on their system. Why am I being held accountable for a flaw in their online banking system and frankly I now believe this was simply an attempt for capital one to close personal loan accounts through their own admission they no longer want to offer. They want off of these loans now and have undertake questionable business practices to do so. When you call capital one XXXX customer service number the pre recorded message now states capital one is no longer offering personal loans. These are deceptive practices by capital one with intent to elimate loans and create adverse credit impact for its customers. I have challenged this through credit agencies with no success and sent email to Capital One CEO and his executive team and did not receive a single response. The documentation provided by capital one to credit agencies claims a late payment but the specific individual months never reflect an overdue amount. Given likely large scale pattern of behavior and business practices against consumers, CapitalOne will be subject to a class action lawsuit.
Product: Mortgage

We've had financial issues specially with the Covid-19 and have submitted the financial packet to the loan servicing company and twice has been denied. We do not want to lose our home and would like to get more information as to the reasons for denial. the only option given to us to short sale our home
Product: Credit reporting or other personal consumer reports

I send a certified letter XXXX XXXX I ask the XXXX to investigate my account. it came back verified which by 15 US code 1681 sub chapter XXXX  says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 % accurate her is my credit report please delete this accounts Equifax us Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # XXXX
Product: Checking or savings account

I went into the chase bank and deposited my third party ch check that was endorsed to me on the XXXX th of XX/XX/2023. The bank put a hold on the XXXX and said it would be cashed on the XXXX of XX/XX/2023 and my funds would be available. I waited and it was cashed and deposited in my account. The day it was released XXXX of XX/XX/2023 the bank closed out my account and is holding my money. I've called several times to find out why they will not give me my money. They said needed 3rd party to verify. The person called to verify the check and he gave them his number. They responded with they can't verify the phone number. The phone is registered to the third party. They said it isn't. Regardless the bank accepted the check and deposited and then cashed it then closed my account. This isn't right if they had a issue with the check they shouldn't have cashed it or put in my account. Now withholding my funds and closed my account.
Product: Debt collection

I am honestly not sure what the collection is for but a company is telling me I owe {$1600.00}. It started back around XXXX of 2020. I received numerous emails and letters in the mail since then asking for the collection. I do not recognize the company as someone I have done business with before. The collection is messing up my credit score, and also being an XXXX  that makes it hard for me to get loans to help start my business.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XXXXCredit Corp. Solutions published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for XXXX years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.
Product: Debt collection

Medicredit Inc. Keeps adding collections to my credit report. They added one and I disputed and the removed it to only add another debt. They call me repeatedly and harrass me. I have explained to them numerous time I need a detailed analysis breakdown of the medical bill and they refuse to send it to me. I am also in a class action lawsuit against this company for improper collection procedures.
Product: Mortgage

I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally lodge a complaint against Early Warning Services. As a new XXXX, I am deeply concerned about how their inaccurate reporting has negatively impacted my financial standing and caused significant distress. 

On XX/XX/year>, I received a notification that my checking account application was denied based on a report from Early Warning Services. The report indicated a deposit score of XXXX, which is deemed high-risk. The reasons provided included the status of my relationship with the inquiring bank, the number of days my account was in high-risk status over the past XXXX years, the duration of my account ( XXXX ), and the number of items returned in the last 60 days. 

I believe this report contains inaccuracies. I have no prior banking relationships in the XXXX that could justify these claims. Early Warning 's report has led to the wrongful denial of my checking account application, adversely affecting my ability to manage my finances and integrate smoothly into American society. 

I request your assistance in investigating this matter and holding Early Warning Services accountable for providing incorrect information. Their actions have violated my rights as a consumer and have caused undue harm. 

Thank you for your attention to this urgent matter.
Product: Debt collection

I detest this! I've sent complaints and disputes for months now, but I haven't received any response. I'm being hurt and under a lot of stress because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XX/XX/XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts reporting inaccurate and misleading information on my reports and would like for these accounts to be investigated. I need debt validation from XXXX XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ), and XXXX XXXX ( XXXX XXXX  ). If these companies can not provide the original contracts with my wet signature then these accounts need to be removed and blocked immediately
Product: Credit reporting or other personal consumer reports

EQUIFAX STUDENT LOAN DISPUTE Subject : Request for Deletion of Student Loans- 15 USC 1681s-2 Attn : EQUIFAX Credit Team I am writing to dispute the presence of student loans on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the student loans from my credit report. 

Upon reviewing my credit report, I noticed that student loans are being reported. However, these loans do not belong to me, and their presence on my credit report is inaccurate and damaging to my creditworthiness. 

As mandated by the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Therefore, I request that you promptly delete the student loans from my credit report to ensure its accuracy. 

I understand that resolving this matter may require an investigation. However, I urge you to take immediate action to correct this error and prevent any further negative impact on my credit profile. 

Please provide me with written confirmation once the student loans have been deleted from my credit report, as well as any additional steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I appreciate your cooperation in resolving this dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.