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

CB/Carson 's has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Product: Credit card or prepaid card

On XX/XX/2017 two transactions were made around XXXX with our Huntington Bank Credit Card. We called the next day to attest these obviously fraudulent charges made within minutes of each other - one to a company called " XXXX '' for {$540.00} in the XXXX and the other to a company called XXXX ( a music mixing software company ) out of Minnesota. The charges were reversed and investigations opened. On XX/XX/XXXX, the charge made to XXXX for XXXX was put back on our credit card. When I called to inquire why we were being charged for this obviously fraudulent transaction, I was told that Huntington Bank had closed the investigation. When they reached out to XXXX, they were able to confirm that the purchasing address and shipping address matched what they had on file for our card. Which means that someone stole our cc information, as well as our address. When I explained to Huntington that this purchase was for online software, based on their website, and that no shipping address would ever be needed for this purchase they declined to pursue further, stating that I needed to follow up with XXXX to get our money back. I have had no response from this company. I have made several calls to Huntington, their fraud department, our local branches - no one is willing to assist with a fraudulent charge or investigate it further when they have already proven that another fraudulent charge went through on the same night only minutes prior.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

We have wells Fargo credit card we made our payment on about XX/XX/XXXX on XX/XX/XXXX we paid off the credit card with interest now they are wanting over a XXXX dollars in interest after we paid it off with all the interest we were told to pay at the time of payoff
Product: Debt collection

My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX  OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.

I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017    sent a  XXXX  letter asking that they provide me physical proof of how they verified an account when I received an email from the actually company stated she cant find me in her systems. Yet TransUnion is saying they verified accounts belong to me. They didnt not investigate anything. I would like these items removed immediately.
Product: Mortgage

This is a followup to Complaint # XXXX. Wells Fargo did give a response but wht they sent was the file copy of the note and deed of trust ( that I could have gotten from the County Recorders Office ) what i asked for was a COPY of the ORIGINAL note SHOWING ALL ASSIGNMENTS, or ALLOGNE. WF has refused to do that, even though this loan went from XXXX XXXX-Wachovia-Wells Fargo. Somewhere in between it XXXX have been assigned to XXXX XXXX XXXX XXXX and not returned properly to XXXX XXXX before it was transferred to Wachovia. WF wants to hide this and has refused to provide the Copy of the Original Note in it 's current condition. Their response is " this is proprietary information and they will not provide it ''. 
Additionally, WF approved a loan modification, it was executed, we made the first 6 or so payments. The loan modification on the First was aslo approved, however WF made a mistake on the terms, and promised to make a correction, but they were not satisfied with the terms they approved on the HELOC and wanted to find an excuse to end it, WF then instructed XXXX, the new Servicer on the First ( which they also supposedly owned ) to deny the loan modification. Once that was done they then cancelled the loan modification on the HELOC because the first did not approve their loan modification, ( both loans are owned by WF ). California Office of Business Oversight confirmed this by using the journal of the lender but they have NO oversight over Wells Fargo. and suggested that I ask CFPB to assist in getting WF to do what they promised.
Product: Debt collection

On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.
Product: Student loan

I just received a statement from XXXX XXXX and it shows Navient Solutions disbursed 2 loans in the same months, one for XXXX and one for XXXX. These are disbursements were never paid and if they were it was fraudulent. I did not receive excess funds, nor have I ever went to a college that charged that much for tuition period. I was taking, at the most 3 to 4, 3 credit classes at about est. {$200.00} a  credit. At the most it should have XXXX $ a term, never did i apply for full year loans. I do not owe this money and the loan companies are doing nothing. I do have legitimate loans and have been making payment, only to see my balance increasing every month. I understand that is my responsibility, but the 2 amounts placed on my account by Navient are fraudulent and theft. Either intentional on their part or a form of predatory lending, as I was never notified of this cost/disbursement. I would like proof to which university was paid, for what they were paying. I am either owed additional course work for free or these to 2 amounts removed or updated to reflect the ACCURATE amount. If you look at ALL the past loans i have receive you will see the major discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter to Fedloan Servicing that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all 3 credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Product: Credit card

I purchased a coffee table from XXXX on XX/XX/XXXX for {$170.00} ( See XXXX XXXX ), or {$150.00} plus tax, which is 8.875 % in XXXXXXXX XXXX where I live. I used the XXXX XXXX XXXX On XX/XX/XXXX, I requested to return the table through XXXX pick-up return service ; I was told to contact XXXX billing department to make the {$39.00} pickup fee payment, and then reach back out to schedule the pickup. ( See XXXX XXXX ) On XX/XX/XXXX, I contacted XXXX billing department and paid the pickup fee, which was {$42.00} with tax. ( See XXXX XXXX ) On XX/XX/XXXX, I reached back out to schedule the pickup of the coffee table on XX/XX/XXXX. ( See XXXX XXXX ) The coffee table was picked up on XX/XX/XXXX. and on XX/XX/XXXX, I received a refund of {$74.00}, which is {$100.00} less than what I paid for the coffee table. ( See XXXX XXXX XXXX  XXXX ) On XX/XX/XXXX, I contacted XXXX customer service chat and informed them that they had refunded me {$100.00} less than what they were supposed to ; the representative told me that they would escalate the issue and I would hear back from someone within XXXX days. ( See XXXX XXXX ) After I never heard from anyone, I called XXXX customer service on XX/XX/XXXX and explained the situation ; they told me that they could not resolve the issue and I would have to go to a physical XXXX store to try to resolve it. ( XXXX XXXX  reflects what I see when I look up information about the return on XXXX website. )
Product: Checking or savings account

On XX/XX/2020, my husband and I realized that we were victims of a scam. {$750.00} had been sent via XXXX within the banks mobile app and the two more payments of {$1200.00} and {$700.00} were sent. When a fourth payment was demanded, we realized we were scammed. I immediately contacted my bank to dispute the transactions, which totaled {$2600.00}. On XX/XX/2020, I was advised by the bank that they were denying my dispute. I filed a police report as well as complaints with the FTC, XXXX, and NYS Attorney Generals Office. My husband also has the text messages from the scammer admitting what he did while trying to recruit my husband to join them. 
On XX/XX/2020, I also filed complaints with the Federal Reserve and the NY State Dept of Banking.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Nelnet regarding its mismanagement of my student loans, improper loan grouping, failure to provide accurate and transparent information regarding my deferment request, and the subsequent inaccurate credit reporting that has significantly harmed my financial standing. 

XXXX XXXX In XX/XX/XXXX, I was approved for a deferment request, yet Nelnet placed my loans into repayment at the same time. Instead of applying the deferment to my entire loan portfolio, as would be expected, only XXXX of my loans was deferred, while the remaining seven loans were placed into repayment. I have not taken out any new loans since XX/XX/XXXX, so there is no reason my loans should have been split or grouped in a way that excluded the majority of them from the deferment. 

At no point was I informed or notified that my deferment request would be selectively applied to only XXXX of my loans. I acted in good faith in securing deferment and should not have been placed into repayment on the remaining loans due to XXXX improper handling of my request. 

Due to this error, Nelnet incorrectly reported XXXX missed payments ( XXXX for each loan ) to the credit bureaus, significantly lowering my XXXX XXXX. This reporting is inaccurate and unjustified, as I should have been in deferment status across all loans. These missed payments now appear as delinquencies on my credit history, which could impact my ability to secure housing, loans, and other financial opportunities. 

Additionally, Nelnet failed to provide clear communication and timely notice regarding my repayment obligations. The customer service representatives have provided conflicting explanations, and I have not been given a satisfactory resolution regarding why my loans were grouped improperly, why my deferment was not uniformly applied, or how Nelnet intends to correct this error. 

Given the severity of these errors and their impact on my financial health, I request an immediate review and correction of this issue to prevent further harm. Please confirm receipt of this complaint and provide an estimated timeline for resolution. I am available to provide any additional documentation or information as needed.
Product: Debt collection

We had a roof replaced and the balance owed was XXXX. The initial company that gave us the loan was XXXX XXXX the account is in my husband 's name XXXX XXXX and mine. XXXX XXXX was bought out by XXXX XXXX. We paid by ACH debit. During COVID, we were unable to work and we got behind by 2 months. They called and a verbal agreement was made that the 2 months would be added at the end. My payments were XXXX per month. I noticed that the loan seemed to never end so I called and asked for a complete payment history and a copy of the original loan. XXXX sent the documents XX/XX/XXXX which I have scanned and put on a XXXX XXXX. I received a call in XX/XX/XXXX saying my payment was due. I explained I had an ACH debit. The young lady put me on hold came back to say the loan matured in XXXX and I still owed XXXX I told her that was impossible. She said the loans usually go 10 years which is how long we had been paying. I called an attorney and sent the documents to her. She looked at the papers and said some fees and things were not clear or explained and she said that I needed to contact you. She felt that they were being dishonest. The attorney gave me your info. I just saw they debited money from my account last week I did not give permission since the loan had matured.
Product: Debt collection

Goldman Sachs Bank is a result of IDENTITY THEFT i have tried to resolve this with the company and XXXX  and no one is willing to help! I have asked both companies to provide proof and nothing has happened. No proof has been received. This account has been removed from XXXX  and XXXX  with no issues but XX/XX/XXXX keeps saying verified as accurate. I never knew anything about Goldman Sachs until I applied for a apple card ( that does belong to me ) that goes through GS BANK and they then told me i owed them some old debt which was a result of identity theft
Product: Mortgage

Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!
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 Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Incorrect XXXX : - XXXX  Incorrect Name : - XXXX XXXX Employer - XXXX Employer - PRESTIGE PORTRAITS Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting negative information to XXXX and Transunion when XXXX account XXXX closed without a past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} CXXXX XXXX   XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX   XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit card

On XXXX/XXXX/2016, I rented a car from XXXX XXXX and on XXXX XXXX, 2016 turned in the car at the airport in my city. On XXXX/XXXX/2016, when I made the online reservation, I prepaid for the vehicle for the amount of time needed. On XXXX/XXXX/2016, I was charged an additional fee of ( {$78.00} ) which appeared on my Discover Card statement. I contacted XXXX XXXX but was not given a reason for the extra charge. However, the amount ( {$150.00} ) which I prepaid to use the vehicle was validated. I contacted Discover Card to dispute the ( {$78.00} ) however was unable to get my money back because XXXX XXXX simply provided a copy of the bill for the extra charge. Discover Card did not understand that I had already paid for use of the rental car when I paid ( {$150.00} ) and that no additional charges or fees were necessary or warranted. There was no damage to the vehicle and there was a full tank of gas. When I spoke with the billing department of XXXX, the individual with whom I spoke could not explain the extra ( {$78.00} ) and referred me to the airport location where I rented the car. When I finally reached someone at the airport location of XXXX, I was told to call the billing department with customer service. 

I am getting the run around from both XXXX and Discover Card, but need my money back from the double dip that XXXX placed against my credit card account.