23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!
Product: Debt collection

my vehicle was improperly repossessed. Before the vehicle was repossessed, I made a payment and the rep asked me when i would be able to make another payment. I told her the date and she documented it and state my name WOULD NOT be on the repo list as long as i pay that amount. the car was later sold, but I was not made aware of how much it actually sold for. About two months ago, i checked my credit and it showed {$4800.00} as the remainder. I called and was told i could pay half to settle which was {$2000.00}. I paid that amount but {$4800.00} is still showing on my credit score. This is hindering me from obtaining a new car.
Product: Checking or savings account

I opened an online checking account tempted by a CITIBANK 's bonus offer to earn XXXX of XXXX XXXX miles. A month after the accounts origination, XX/XX/XXXX, it was unjustly closed without any communication, on-line access was blocked. Even though the account was closed it still accepted part of my payroll deposit ( {$500.00} ) and cleared a personal check ( {$700.00} ) from my other bank. There was about {$650.00} in tat account already in the account prior to that. Any attempts to recover my funds have been unsuccessful. I contacted customer service center on multiple occasions only to get more frustrated. Submitted verbal and written complaints - no response. The centers employees gave me robotic, scripted answers and lacked professionalism. My concerns regarding my funds being retained without valid reason were not addressed. At this time CITIBANK has been in possession of {$1800.00} + of my funds for over a month which is a violation of funds availability policy and completely unacceptable, unethical practice.
Product: Checking or savings account

I opened an account with Copper Bank and deposited funds. While I had funds on deposit with Copper they suspended their banking products due to the bankruptcy with third party XXXX. After months of email updates Copper finally announced in XX/XX/XXXX that the bankrupt trustee had approved distribution of funds and that I would hear in a week about when to expect the funds. It is now almost XXXX and at no point has Copper reached out to me with an update on a date to receive funds. Copper has ignored me numerous times and when they have responded they continually move the goal post with different dates and various excuses for why the funds havent been returned. I reached out directly to the third party payment vendor that copper claims to have hired to disburse the funds and have attached their emailed response. I have attached some of the communications between me and copper. It appears this problem with copper holding funds they have previously agreed to return has affected thousands of customers and should get the attention of the CFPB
Product: Money transfer, virtual currency, or money service

On XX/XX/23 {$500.00} dollars was sent from my Wellsfargo checking via XXXX to someone that I did not authorize. On XX/XX/23 {$1500.00} was wire transferred from my checking account to the same person. I called Wellsfargo on XX/XX/23 when I noticed the transaction but they just told me the fraud dept is looking into it. A few days later I got letters from Wellsfargo stating they can not do anything. I've lost {$2000.00} from a scammer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding Paid Off Loan account with XXXX XXXX Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 



Sincerely, XXXX XXXX XXXX Still Hasn't seen an update
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have been included letter inside this complaints in on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see letter attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was opened fraudulently using my information on XXXX/XXXX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.
Product: Student loan

On a daily basis, I 'm harassed by Navient debt collectors. They 've called my house anywhere from XXXX XXXX repeatedly. They 've called my mother 's job repeatedly and has harassed her co-workers on her whereabouts giving them information that does n't concern them. I understand I 'm unable to pay the amount they 've requested at the moment due to financial hardships but we have offered to pay half of what they have requested until my financial situation changes. There rude, disrespectful, and have asked me to put myself in more debt just to pay there loan. It 's just ridiculous now. They continue to harass my mother with wage garnishments, and property liens. We 've spoke with someone continuously about the same thing and there 's no resolution just the same outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

he credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries. 

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute. Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.
Product: Mortgage

The systems that they have in place don't let submit your monthly payment for your properly, you can change the password to try to get access to your account but it will always say that the information is incorrect ; and later it will block you. 

I'll should have pay my mortgage on the XXXX of XXXX and is the XX/XX/2020 and I'm still unable to go in ; if you call them no one answer not even after an hour of been on the line.

So they are forcing me to pay by phone to collect a feed, but at this point I cant pay one way or the other. 

I need help and the need to be monitor
Product: Money transfers

SENT THE PERSON PAYPAL FOR A PRODUCT AND THEY SCAMED ME
Product: Credit reporting or other personal consumer reports

This is my second time writing for these companies to update my personal information on all my credit reports. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Debt collection

Have written 3 times - once to the creditor and twice to the collection agency. Per the law, it was within 30 days of receiving the notice that I requested a full detailed itemized statement reflection the amount they claimed due from  XXXX   XXXX   XXXX  when I switched my service. I still have yet to receive anything at all except a piece of paper demanding the amount with no breakdown of the debt what so ever. They also have placed this item on my  XXXX  even though it was disputed and no proof was ever sent.   This has been going on for months. I gave verbal warning and put them on a  Cease and Desist until any paperwork regarding the outstanding itemized balance is  sent that they claim to be owed.   My phone gets called probably about 8 times a day. It is totally ridiculous.
Product: Checking or savings account

On XX/XX/XXXX I tried to initiate account closure with HSBC via phone but as of XX/XX/XXXX I do not see any evidence of action taken to actually proceed with the closure. I would like to close my HSBC Premier Account XXXX, and my HSBC Premier World Mastercard Account XXXX, and my HSBC Brokerage Account XXXX. The Premier World Mastercard has a negative balance of XXXX that I would like to be mailed to me as a check to XXXX XXXX, XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, IL XXXX, XXXX. I have cleared HSBC Premier checking account balance to {$0.00} and to this date have not figured out how to fund the brokerage account online so it also has {$0.00} balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  the amount {$1200.00}. 15 u.s Code 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later then 4 business days after the date of receipt.

Under 15 U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S Code 1681. These accounts has violated my rights.

Pursuant to 15 U.S Code 1681 section 602 states I have the right to privacy.

Pursuant to 15 U.S code 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 


I am requesting the original copy of the agreement and terms a condition. Failure to comply will forfeit your claims and require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this receipt of notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

Diversified Adjustme is reporting {$1400.00} on my credit reports. I have asked to send me information and I have not received anything showing that this is my debt. I have not had a XXXX  account open on XXXX XXXX ( open date showing on my credit report ). This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement 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 # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX* Balance : {$0.00}
Product: Debt collection

repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and this is a follow up complaint to Portfolio Recovery. 

I understand Portfolio Recovery stated We will honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. 

Im aware pursuant to 15 USC 1692a ( 2 ), The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

My credit report is a medium. 

I understand under the FDCPA, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX  - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  / XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.
Product: Mortgage

There are two issues. The first is I am unable to pay the mortgage company because their website does not work. I can not log in and I've called them multiple times about this, but they have not fixed it. Second, they sent a 'coupon ' book which is supposed to act as monthly statements. The problem is that when we paid extra principal, these 'coupon ' books don't account for what our actual monthly statements are. The company is clearly violating the periodic statement rule, also since we are unable to pay promptly our interest payments are higher since it takes up to a week to pay. Last time I had to pay over the phone, and the company charges a fee for that.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter I received via U.S. mail from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 informing me that XXXX XXXX XXXX had a security data breach and my personal information such as my full name, date of birth and social security number was compromised, stolen and used by unauthorized third party company of XXXX XXXX XXXX. The following accounts currently listed on my Experian credit report are the result of the security data breach and identity theft : XXXX XXXX : XXXX, {$2200.00}, and XXXX XXXX : XXXX, {$2200.00}.
Product: Credit reporting or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated item after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the National Public data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year>
Product: Mortgage

My complaint is against Wells Fargo, Home Mortgage. In XX/XX/XXXX, at the end of the forbearance period, I verbally requested the deferral option. XXXX has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ), a HUD-certified housing counseling agency , and they wrote a letter of advocacy to Wells on my behalf. In the letter, XXXX pointed out that I could choose the exit option to the forbearance period. 
In the letter to Wells on my behalf, my HUD Certified Housing Counselor cited " NY Banking Law under Title 9X Mortgage Forbearance. " Senate Bill 8428 2020 N.Y. Laws 126, as a reason I should have been granted the deferral option. 
In response, XXXX seems to deliberately misrepresent my request for the forbearance exit with a request for delinquency assistance. They further stated without indicating a reason, that I was not eligible for a deferral as a forbearance exit. 
In XX/XX/XXXX, I resumed making payments based on my belief that the deferral option I asked for was in place. I noticed those payments did not appear to be applied to my current balance ; I sent XXXX my forbearance option request in writing on XX/XX/XXXX. In XX/XX/XXXX, XXXX returned my monthly payment, indicating that they would no l longer accept payments from me and that my home was now in foreclosure. 
I am filing this complaint as in a follow-up call XXXX seems to feel that a private owner of the loan has the right to deny the option I chose, and that right supersedes the law.
Product: Vehicle loan or lease

I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Checking or savings account

In XX/XX/XXXX I had {$140.00} balance on my XXXX XXXX account. The new bill was just added so I decided to pay the past due amount of {$70.00} only. I would be the other {$70.00} next week on payday. 

I was charged for two {$70.00} transactions. Thinking it was a double charge, I filed a dispute to get the duplicate charge. I was given a {$70.00} temporary credit during the investigation In XX/XX/XXXX my dispute was denied. Because I have automatic payments set up with XXXX XXXX, my manual payment triggered the automatic payment to go through as well. I accepted the decision and the {$70.00} provisional credit was removed from my account To this day- XXXX XXXX has not received the {$70.00} funds. I contacted Capital One and filed a rebuttal to the dispute. I provided emails from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX where XXXX XXXX clearly states they have no received the {$70.00} chargeback payment. 

On XX/XX/XXXX Capital One denied my rebuttal stating that this is a valid charge. The merchant doesnt have the money. I don't have the money. I've contacted the dispute department multiple times and to this day Capital One refuses to do anything to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX- Account XXXX XXXX  - XXXX- XXXX