23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I'm looking for final resolution on student loan forgiveness with Fedloans. I was notified by email on XX/XX/XXXX that my loan had been forgiven with a final discharge date of XX/XX/XXXX and an effective date of XX/XX/XXXX. I was told I'd receive a Paid-in-Full confirmation letter once all adjustments were complete no later than late XXXX ). This has NOT occurred and now I'm now being notified that the loan will be transferred to a new loan servicer ( XXXX ) which is something I was assured by Fedloans would not happen. I was also told no further information was required on my part. I was certified for XXXX payments under XXXX and deemed eligible for forgiveness back in XXXX of XXXX and am still waiting. I was also told no further information was required on my part. 

Please help!! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is showing up on my credit report from Experian. I have never filed bankruptcy. Also my name is spelled wrong on my report ever since the bankruptcy showed up.
Product: Credit card

I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

Hello to everyone. Someone widrowed money from my account, and trying to resolve the problem, but they Declined for lnonreason .please gelo mento resolve the issue
Product: Payday loan, title loan, or personal loan

I took out a loan for XXXX $ in XXXX and by XXXX they hit my account for {$420.00} then I made a payment in XXXX of XXXX $ come XXXX first they hit my account for another {$380.00} which the original loan States I would pay back {$1200.00} total with interest. According to my records I have paid {$920.00} as of XX/XX/XXXX. I have been receiving phone calls 4 times a day asking for another {$1000.00} in payments. I explained to them I wanted them to contact me via mail and no more phone calls or hitting my bank. they told me that this was not a law and the phone calls would continue I explained it was harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my payments every month through XXXXXXXX However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}.

There is a consorted effort with XXXX, TransUnion, XXXX, XXXX  and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to TU that my balance went up {$240.00} and my XXXX went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) XXXX  also continues to report incorrect updates to my balances as well.
Product: Mortgage

Please see complaint # XXXX. As of today, XX/XX/XXXX, this issue has still not been resolved. The lien has still not been released. The mortgage company responded XX/XX/XXXX that the issue would be resolved in 15 days. Please assist me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update four of my student loans with XXXX XXXX XXXX to reflect their accurate status and balances. The company performed an investigation into my dispute of their reporting for these accounts and completed the investigation stating that the account would be updated to reflect that theyre open/never late and with their proper balances. When I checked my credit report after receiving this report, Experian only updated one of the five accounts and left the remaining four accounts listed as closed with no balance. This erroneous reporting has significantly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and from acquire a home to rent for shelter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX XXXX  account anything else I don't have any knowledge of ... I also got a police report..
Product: Debt collection

I informed my car insurance company that I am moving back home to IL in XXXX of XXXXand will be paying for car insurance in IL I will not be coming back to FL. They knowingly tried to charge me for FL car insurance when I was already paying for car insurance in IL after I left the state. They reported me to all 3 credit biuros for non payment, that is fraud. I can not pay for car insurance when I do live or drive in their state any more. I have had insurance with XXXX from the day I drove across IL XXXX line. I am living on XXXX, I only have money to pay one insurance, once I paid my rent, phone and insurance here in IL, there is nothing left in my checking account, they caused me a lot of trouble trying to fraudulently charge me for months I no longer lived there. Now their report is ruining my good credit. I tried to remind them I told them I no longer live in FL and I pay for insurance where I live but they continue to try to get the money through a collection agency. These people are dishonest and trying to steal what doesn't belong to them. I went to check my credit and I see 2 derogatory reports lowering my good credit score. This below is it. Please help me fight these frauds. 
Collections EASTERN ACCOUNT SYSTEM, Opened XXXX {$100.00} EASTERN ACCOUNT SYSTEM, Opened XXXX {$120.00}
Product: Mortgage

On XX/XX/XXXX, I filled out an application with Rocket Mortgage to purchase a manufactured home. I spoke with a loan officer who also pulled up the listing and we discussed the home while filling out an application. We paid {$500.00} to move forward and had our credit pulled. From XX/XX/XXXX - XX/XX/XXXX, we heard absolutely nothing. My realtor had to contact the company multiple times to get an appraisal scheduled. Two weeks after the appraisal had been performed, my realtor called the company to figure out what was going on. At that time, we were told that they would not fund the loan because they do not fund manufactured homes. Along with that, they updated the Loan Estimate with an appraisal fee of {$900.00} but still never contact us to discuss this issue. I had to call and email on XX/XX/XXXX to get some sort of answer. Then I was told that I would only get my money refunded back after the appraisal fee XXXX {$900.00} XXXX and credit bureau fee were taken out. During that same phone call, I was told I would be contacted XX/XX/XXXX after they performed research to verify it was a mistake on their end. That is absolutely inexcusable. It should not have taken 6 weeks for them to decline the loan. The listing shows it was a manufactured home, the tax record shows it is a manufactured home ( and the taxes were verified within days of the application ), the appraiser asked the company if it was a manufactured home. There were multiple times that the company could have contacted me to discuss this issue. They also told my realtor that they were never told it is a manufactured home. The individuals I have spoke to have been very gracious and kind but this is absolutely unacceptable. I can not get this house financed before the contract ends because of the egregious neglect to communicate or even research the property. A simple glance by the company at the listing ( which was done by the loan officer during the application ) should have been more than sufficient for them to know whether or not to move forward with the loan. It should not have taken 6 weeks or even 2 weeks from the appraisal for them to explain they don't loan on manufactured homes. That is absolutely their choice not to offer loans on manufactured homes but their gross negligence in not communicating and taking 6 weeks to even discover this has cost my family a home and land.
Product: Checking or savings account

Certficate Of Deposit was opened with Synchrony Bank with {$220000.00} on XX/XX/XXXX for a term of 60 months and matured on XX/XX/XXXX. Instructions were given by me to close the account upon the maturity date and mail the fund proceeds to me.I was told the check would arrive regular mail on or before XX/XX/XXXX. Since I did not recieve the check, been in contact with Synchrony Bank as the check was deemed to be lost in the mail and a declaration of loss for lost cashiers check was generated by Synchrony Bank, completed and returned via email on XXXXWas told the funds would be ready by XX/XX/XXXX and would be wired into my bank account. It is now XX/XX/XXXX, and I am not in receipt of my proceeds.I have spoke many times with the bank, and keep getting a run around. I have lost confidence trying to get my money returned. Is it acceptable to wait over a month to receive my funds? I hope and pray I get the money returned.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). 1. The following account is not mine XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ). Equifax failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to Equifax on XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a {$200.00} " XXXX '' card ( XXXX XXXX XXXX XXXX intended to re-up a XXXX card at my local XXXX.

There was a computer error when I ( or anyone ) tries to create a safe and transfer the money to your desired card on the " XXXX  '' site.

Some internet research showed this was no error. This was a way to steal, or hold for the longest period of time possible.

Please help. I need my {$200.00}, not after waiting a month for a check.

Why is XXXX   allowed to sell these cards when they are all fraudulent?

Thank you in advance for any assistance.

/XXXX/
Product: Credit reporting or other personal consumer reports

my AAFFES Account is paid in full and they STILL are reporting it to credit bureaus as charged off. 
They did not provide a written response to complaint # XXXX other than providing an email to contact them. 

AAFES also increased my credit limit without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  WI XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$78.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

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 numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX FXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX  Reference # XXXXXXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I was having trouble accessing my funds with XXXX XXXX due to not having received my debit card for over a month. So I was instructed by XXXX to open a XXXX account in order to transfer my funds quickly ( which I did on XX/XX/2019 ). I transferred money to my one of my relatives through XXXX for a few weeks as a means to access my money, while waiting on my debit card. When my debit card still hadn't arrived, I opened an account with XXXX  XXXX XXXX and a secondary XXXX ( XX/XX/2019 ) in order to completely get my money out of XXXX XXXX and XXXX. That same day I successfully transferred the majority of my funds ( {$1200.00} ) from XXXX to XXXX and started the transfer to XXXX XXXX XXXX. On XX/XX/2019 XXXX froze both accounts and cancelled my transfer to XXXX XXXX XXXXXXXX. I spoke to them several times on the phone and they said only their specialist could handle the matter and that I wouldn't be able to speak with them over the phone because they only correspond through email. On XX/XX/XXXX, XXXX   permanently deactivated my account linked to XXXX XXXX XXXXXXXX and sent my funds back to the account linked to XXXX. On XX/XX/2019 I received an email stating that this account was also deactivated. They also stated that they would investigate for up to 180 days and would determine at that time whether they would release any of my funds to me. The specialist ended the email stating that was all the information he would give me about the situation and closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and ALLY. the amount they claim I owe is ALLY FINANCIAL {$7500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> The address below is incorrect and needs to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX OH XXXX Under USC Sec 15 1681, 1682, 1683, 1684 these items must be immediately removed. I have recently disputed these items to no avail and these needs to be removed asap.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. You guys have XXXX XXXX XXXX and my name is XXXX XXXX XXXX All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

My account with ( XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports