23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company XXXX XXXX the reported my son and myself for late payment for 90 days, violating federal rules. I called XXXX XXXX and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from XXXX XXXX called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to XXXX XXXX. 

My son is making payment on these loan and they have don't care about poor students, XXXX XXXX use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to XXXX XXXX and the rejected our request. 

I want XXXX XXXX to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on XXXX XXXX regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

This company reports that there is a balance with XXXX XXXX but the account was paid in full. On XX/XX/2020 this account was remarked as affected by the natural disaster and due to XXXX and losing family members I cant pay extra money that I dont have. I would need this company to provide the original contract from XXXX XXXX supporting services rendered. If contract information is provided then my HIPPA rights will be violated. Please delete this account permanently from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax credit report is showing a manufactured loan in XXXX  under XXXX  XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. I do not have this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Currently behind on rent due to compromised immune system and XXXX. Business is in violation of SB91 which is in effect until XX/XX/XXXX. XXXX XXXX 

I had XXXX XX/XX/XXXX, expected to have another XXXX within the next 2 month and I have XXXX XXXX XXXX XXXX XXXX 

My daughter has an XXXX XXXX XXXX which would cause  XXXX  if evicted from our home.
Product: Checking or savings account

On XX/XX/2023 I asked the chat rep thru the account portal how to avoid the {$5.00} monthly fees and was told the balance needed to be above {$300.00}. I transferred {$200.00} to make the balance XXXX from XXXX through the end of the month. On XX/XX/2023 I was charged {$5.00} again. 

I noticed it today on XX/XX/2023 and contacted chat support again. This time I was told it's an average balance. With today being the 9th, the average will be below {$300.00} at the end of this month, thereby guaranteeing I'm billed another {$5.00} fee. 

I feel they should have stated that it's based on an average so that I would have moved more over. Instead they leave you just enough information to keep you in this endless loop of fees. 

Up until XX/XX/2023 my average balance of all accounts with this bank was {$70000.00}, yet they still saw it fit to charge me fees on the smallest one. 

I closed the small account today.
Product: Credit reporting or other personal consumer reports

After closely reviewing my most recent credit report, I've noticed discrepancies that require immediate attention, especially concerning this particular account : XXXX XXXX XXXX XXXX. 

Ensuring the integrity of my creditworthiness is paramount to me, and I'm greatly troubled by the compromise of my credit report in this regard. I have confidence that you will address this matter with the urgency it demands and swiftly correct the situation.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on fie for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 

Creditor Name : XXXX XXXX XXXX - {$12000.00} Creditor Name : XXXX XXXX XXXX - {$2100.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by someone claiming to own an apartment on XXXX. After sending them some money for the apartment the person started demanding more money and pressuring me that I wouldnt get the apartment unless I payed more money. After I confronted them it became apparent I was scammed ( this happened on XX/XX/XXXX with the money being sent the day before ). I called the bank I payed him through ( Chime ) and requested the money be reversed. They said they wouldnt do anything and said I needed to contact the seller over and over again even though they knew I was scammed and that it wouldnt be possible to do that. I asked if there was any info I could get of the persons account who scammed me ( location, names, emails, phone numbers, etc ) so that I could turn it over to the police for a report and they eventually just hung up on me. I contacted my main bank XXXX for a dispute so I could hopefully get my money back but the next day ( today the XXXX ) got an email that my dispute was denied even though I was told it was going to take at least 7 days to do an investigation so they clearly didnt even look into my situation. I even contacted the police but they said that they cant really do much so they wouldnt even really bother.
Product: Checking or savings account

On XX/XX/XXXX XXXX and XXXX of XXXX I was charged on my bank account through someone elses fraudulent use of some kind. I disputed this with my bank Wells Fargo and they have somehow denied me this I can not understand because none of these charges were mine, and the way that I found out was through an alert from the bank. The bank only alerted me on the final charge, which I called immediately after the alert and have been cooperating with them the whole way through. They never requested anything from me. They never ask me any questions they only denied my claim, which was totally not my use of the card was someone else these charges totaled in about XXXX charges the total amount was under {$400.00} many charges like I said {$43.00} {$22.00} {$100.00} so on and so forth I do have a claim that was open with them that is now closed without giving me back this stolen money I have a direct deposit to this bank of over {$1000.00} every week and do a lot of banking with them and have been with them for a few years. I have had very little disputes or claims of any kind and I do not understand why Im being treated like this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a credit card application denial notification from Chase. I contacted Chase to inquire about the attempt, and they informed me that they flagged the attempt for fraud and did not open the account. 

I requested that Chase assist in reporting the new account inquiry as fraudulent to the credit bureaus. They initially told me they have a process to send letter to each of the bureaus, and issued me a case reference ID of XXXX. 

I checked my credit bureau reports after the 60 day window they suggested ( XXXX, XXXX and XXXX ) and noticed the hard inquiry was still present at XXXX and XXXX. I don't believe it was removed from XXXX, but rather never reported there. Upon follow-up with Chase, they told me that the previous information was inaccurate and that I would have to follow-up with each of the bureaus. 

I have been able to file a dispute with XXXX over the phone. XXXX has two processes to file a dispute for a hard inquiry, which I confirmed with them via phone. The first is to have the creditor send them a letter, which Chase has refused to do. For the second, I was directed to FTC.gov. After following the prompts to a credit report dispute, I was redirected to the CFPB and this complaint process.
Product: Money transfer, virtual currency, or money service

i have added XXXX $ to google play balance and never used it, as i switched to iphone. i never had an opportunity to use google play. 
i tried several occasions to google support team, they always declined to give my XXXX $ back. they are saying that, they dont allow transfer or redeem money for outside the google play store. that's ridiculous, that's my money. i have right to take out money back. 

the Payments profile ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from transition, Equifax, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, Equifax, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
Product: Credit card or prepaid card

Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.
Product: Student loan

I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.
Product: Credit card or prepaid card

Try would keep my account 2 days behind so everything I did the day before would not come off till the 2nd and make me have overda every time for the last 2 3 years and if I did not US Wells Fargo ATM exter fees and they close account I setup for my grandkids and Idk how much that was and in all I lost my house
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 an 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 then records of convictions of crimes which antedates the report by more then 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, credit repair services, or other personal consumer reports

I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to XXXX and on the same month XXXX and XXXX are current. This needs to be fixed
Product: Checking or savings account

Today XX/XX/30 i deposited a check for about XXXX dollars and in the middle of the deposit the atm machine froze turned black and restarted and kept my card and check and never gave a receipt or reflected a deposit on my account.
Product: Bank account or service

My husband and I have had a joint account for 20 years at the same bank. We have been loyal customers and have a checking, a savings, and a couple money market accounts. Over the years, the services have become less generous and recently I have had two very bad experiences that I do not think are legal. First, my bankcard and access to my bank account was cut off because I had not activated a new card that they had sent to me 5 months ago ( that I never received ). When I realized I could not get access to my account, I called and they said they would send me a new card in two days. I had no access to my account electronically or physically and I was unable to transfer money to cover a property tax check. My husband had to go to the bank to do it. Which brings me to the next complaint. We used to have over {$14000.00} credit as an overdraft account. As a busy household with XXXX incomes and young kids, we used this overdraft account often for credit whenever we needed the flexibility for timing of expenses. We have paid plenty of interest to the bank for this flexibility. Late last year the account was reduced to {$300.00}. This amount for us covers very little when you are talking about {$12000.00} of activity during the course of a month. We did get a letter from the bank saying that they were reducing it due to " my husband 's delinquency '' ( there were none - it is a joint account under good standing ) ; " insufficient deposit relationship '' ; and I was listed as an " unqualified co-borrower ''. None of this made sense. When I went to the bank recently, I inquired about it and they said I would have to reapply for it like any other credit source. They also said the reduction was due to a low credit score and debt to income ratio. How would they know what my debt to income ratio was? They said we could see his credit report. Why did they use just his credit report and not mine for a joint account? My credit score and earnings are much higher. We have always paid our bills on time and do not have any debt under this bank anymore. ( I suspect we are being punished for moving our debt elsewhere. ) I believe these actions have been, at worst, discriminatory and illegal ; and, at best, very bad customer service. Reducing our credit line is the same thing as raising interest rates on a credit card. It has resulted in overdraft and several fees.
Product: Debt collection

Put a derogatory account on my credit- my credit score was XXXX, now its XXXX. I called them to see what this is about, they wouldnt provide information or even verify the bill without me either providing my Social Security number or credit card. 
After I told them I wont give them sensitive information, they hung up. I called again, they hung up again. 

Completely bogus claim and company, as my credit score is typically sitting in the XXXX range and I never miss or not make payments.
Product: Credit reporting or other personal consumer reports

I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 the department of education wrote a letter to XXXX college of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...
Product: Credit reporting or other personal consumer reports

XXXX. XXXX Private loans jointly signed by my spouse and I. 

XXXX. Made XXXX full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( XXXX ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the XXXX expired but it is up to the XXXX bureaus to remove.
Product: Credit card or prepaid card

Today on XX/XX/2022 I was notified by Capital One that someone had made a hard inquiry on my account attempting to open a new credit card and SSN tracked an unknown address I have never used before. I believe somebody is using my information to commit fraud