23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A lender named XXXX pulled a hard credit inquiry on my Equifax credit report. I have n't applied for credit with them or anyone else and want to removed. It states the inquiry date as XXXX XXXX 2016.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a wire transfer was made from my account to a XXXX XXXX account for {$35000.00}. That was unauthorized by me.
Product: Credit card

Since Synchrony Bank took over XXXX XXXX XXXX account, Their policy is use credit card in XXXX is 14 days limited In past under XXXX, I have been gone XXXX for more than 14 days my trip is XXXX XXXX to XXXX XXXX which is 21 days I checked there is no government policy on limited days in XXXX only Synchrony Bank
Product: Student loan

My student loan has been forgiven as part of the PSLF program. I made XXXX qualifying payments, exceeding the required XXXX payments by XXXX. I have requested a refund of the overpayments, as well as the payments made during the COVID payment freeze, via email, chat, and telephone since my qualifying payment total was updated in late 2022. Please advise about the proper way to request a refund for overpayment. 
I am not attaching any documents because MOHELA possesses all of the information they need- either during the time of servicing my account, or from the previous holder of the account, XXXX.
Product: Credit reporting

I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX   ONLINE STREAMING SERVICES since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit card or prepaid card

When we applied for the account they asked when we would like the due date and we said after the  XXXX  as I get paid on the  XXXX  and  XXXX . Our   XXXX   payday is primarily for our mortgage so all creditors go after the  XXXX . They agreed. I looked at my statement and realized they made the due date some months on the  XXXX  and others on the  XXXX . I have been charged between a {$27.00} and {$32.00} late charge for anywhere from  one  to for days late. This is specifically why I ask all my creditors to make my due date after the  XXXX . When I called the TD Bank to discuss the issue and tell them I had requested a due date after the   XXXX   they told me they ca n't change my due date. This is clearly an abusive practice from TD Bank and/or  XXXX   XXXX   XXXX  to not honor a request of a customer 's due date by a couple of days and penalize them starting at one day late. Clearly it would seem this is a strategy given the closeness of the due date that was requested. Also, not having at least a one day grace period is not only a common courtesy, it 's not even an industry standard. Very aggressive and abusive.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report. As a victim of identity theft due to a recent data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed from my credit file. 
The accounts that I am disputing as fraudulent and request to be deleted are as follows : Fraudulent Accounts :XX/XX/XXXXXXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$1800.00} XX/XX/XXXX XXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXXXXXX - XX/XX/XXXX - {$22.00}
Product: Mortgage

On XX/XX/XXXX Wells Fargo sent me its annual Escrow Review that projected a significant increase on monthly escrow payments. The actual taxes for the XXXX fiscal year was {$12000.00}. The increased escrow payments were based on the projected property taxes for the upcoming year increasing to ~ {$17000.00} ( based on the last 4 payments made to the town ). The primary reason for the last 4 payments being this amount, was that the town 's initial estimate for the first 2 quarters of XXXX was {$2000.00} based on XXXX taxes ***when no property existed on the land. ***. The final XXXX taxes were based on the fully built up lot. While the town has not decided on the tax rate and assessment for XXXX, it is unrealistic to project that the XXXX taxes are going to be 34 % higher or XXXX {$4300.00} higher!! I complained to Wells Fargo about this increase and the only resolution I got in a XX/XX/XXXX escrow review used the same projections over 24 months instead of 12. I expect that a finance company will do due diligence on analyzing why their previous projections didn't match the actual payouts instead of blindly using past payments as the sole authority in determining future payments. While Wells Fargo is likely to refund excess escrow balances next year, it is a needless burden on our family 's monthly cash flow.
Product: Credit reporting or other personal consumer reports

Im resubmitting my paperwork on the previous complaints. Its the wrong addresses on those accounts I asked XXXX on the phone I NEVER LIVED AT THOSE ADDRESSES ON THE SO I COULD have known payments were late and delinquent. I didnt even know how much was due or when it was due. I have thats a violation my rights. I told submitted a feedback case because I just found the inaccurate information on the website which I didnt fill out. Those arent my email addresses or phone number XXXX XXXX in XXXXXXXX XXXX doesnt exist so I couldve received anything on late payments I told XXXX i dont recognized this addresses or the letter in general. Then my dad and my number is the same number different addresses??? Thats suspicious especially because its no XXXX XXXX
Product: Bank account or service

I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a credit report from Experian and I noticed incorrect inaccurate, unverified information being displayed. Plus unconsented, third-party information sharing.
Product: Checking or savings account

I was at home when I got a call from the number on the back of my debit card, it was the same exact number. I assumed it was my bank, Citi Bank. The man on the phone said he worked for the bank and was calling to tell me about fraud purchases that were happening in that moment. He also offered to send me a new debit card, in which he knew my home address. He then asked for my personal banking info and used it to buy things on my account. The bank did send confirmation texts to make sure it was me. The man on the phone told me to say yes to those confirmation texts and assuming that this was the bank I said yes to all of them except the first one. After discovering that this was a scam, I filed a dispute with my bank. My bank claimed they were not able to reimburse me because I had my card in my possession, I gave the man my banking info, and the activity was consistent with my banking activities. The man took {$2000.00} from my account and left me with very little money for school.
Product: Checking or savings account

XX/XX/XXXX I received a notification saying a charge was declined in the amount of XXXX at a XXXX was this you yes or no I answered no, then a notification says chime customer will call. They did I answered. While they are closing the account another notification came through saying a transaction was declined at target for XXXX, while I'm on phone with chime customer support. They assured me everything was fine my account is being monitored being that I just received this card due to fraud on my old card where someone tried to order online from the XXXX XXXX XXXX. I was told that all the transactions were out of state and the retailers were being blocked from further transactions.later on I checked my account and XXXX $ I had in checking was gone and I was negative XXXX $ XXXX filed a dispute and asked how was my new card used in XXXX XXXX Florida , and Georgia , I live in XXXX XXXX Va XXXX they said file dispute and they would see that my funds were refunded. I received an email 3 days later saying the closed the dispute and my monies would not be refunded. How can I be helped when it clearly shows fraud on my account.
Product: Checking or savings account

To whom it may Concern, I opened the bank account late XXXX of XXXX  and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX  XXXX XXXX  because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX  XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). 
XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, THE XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was XXXX XXXX. I do not have/use a XXXX  credit card. ( the other was a XXXX/XXXX  account ). XXXX was very good in responding but XXXX  continues to show as delinquent on XXXX, Transunion and XXXX. 
I would like the XXXX  charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to XXXX XXXX  but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX
Product: Credit reporting

Equifax credit needed to take off XXXX collections items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/2015. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report from Equifax that I paid for on XXXX/XXXX/15 and again another report which purchase on XXXX/XXXX/15. The confirmation numbers are XXXX and XXXX. Not only did Equifax take them off they reduce my credit score nearly XXXX points. So, I pay off a medical bill and they take away from my score. Equifax needs to remove these XXXX items from my credit report right-away. Equifax Credit not only did they not remove the XXXX items from my report they were past thirty days giving me a response in both disputes. Equifax wants to keep XXXX down so they can keep chains on people. They seem to be corrupted as many other companies. Where is your integrity Equifax? The account number for XXXX is XXXX and XXXX is XXXX is also reporting this same information incorrectly and needs be remove from my credit report right away. They did the same exact thing that Equifax. They also brought my score down XXXX points. I ran my XXXX score/ XXXX credit report from the Equifax.com website XXXX times which cost me {$16.00} to {$20.00} every time the report was printed. The reports included Equifax, XXXX and XXXX credit report and scores for all credit reporting agencies. 

The only one that is reporting correctly is XXXX. XXXX and Equifax are not being regulated by no one. Help Me XXXX XXXX.
Product: Student loan

I applied for IDR SAVE plan via studentaid.gov. The plan was approved and processed and sent to my servicer Nelnet on XXXX with a SAVE Repayment Plan and Monthly Payment Amount of {$430.00}. 

I do not see this reflected on the nelnet website nor do I see any pending review of the plan. I have called multiple times with wait times over 1 hour and disconnected with followup no response. I emailed Nelnet today, XX/XX/ but have not received any automated reply that they have recieved the email, and thus far, have not recieved a single email from Nelnet about IDR processing, despite studentaid.gov listing the application as in process. 

Nelnet has now billed me under my incorrect plan twice and has listed my bill as past due, even though it is not on the correct repayment plan. 

I don't know what to do, as I can not get through to nelnet despite multiple attempts through phone and email.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the banks thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/year>, I sent out a dispute letter to EXPERIAN regarding improper use of my personal information by a third party company. A company by the name of XXXX XXXX XXXX misusing my information stating that I owe a debt that I am unaware of. This has affected my credit in a major way & I have requested them to remove this information from my credit profile but it still remains.

According to15 U.S code S 6802, it is illegal for banks & institutes to report any data to third party companies without proper consent. Please have this information removed from my credit report.