23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I bought an XXXX XXXX XXXX, Fully Unlocked 5.8 '', 64 GB - Silver Sold by : XXXX   {$1100.00} XX/XX/2018 When the package was delivered, there was no phone in the box, just another box. XXXX denied my claim for a refund because the package was delivered. 

But i paid for a phone, not a cardboard box.
Product: Student loan

In early XXXX I finished my process for loan consolidation. I was expecting those payments to be disbursed in early XXXX, and was aware that it would most likely be after my payment date. After explaining the situation to a American Education Services representative, I received more calls regarding the delinquent payment, but I was expecting them. Until I finally confirmed on XXXX XXXX that my consolidation check had been received. However the remaining balance had issues. The calls I continued to receive started with a request for 2 full months payments around {$80.00} each ( {$160.00} total ), but the remaining balance was only {$54.00}. 

On XXXX XXXX I confirmed with a service rep that the {$54.00} was all that I needed to pay to close the account. I was congratulated on paying the balance off, and transferred to the payment system. After paying that amount received a call on XXXX XXXX, again the rep asked for {$160.00}. After correcting her she then alerted me that the {$54.00} was short due to a late fee on the XXXX ( a day before I confirmed the number ). She said that amounts below {$5.00} are written off, and that I would be taken off the auto-dialer. I received a call today again asking for more than the balance, prompting me to make this complaint. Checking online to make sure I have the documents for this complaint, and the numbers do not seem to add properly either. 

I have attached texts taken from my account page on their website You can see that my payment of {$54.00} seems to actually cover the late fee, while a few other statements do not seem accurate as well. 

Considering the confusion, and the harassment due to their system prompting collection calls with inaccurate figures ; as well as the repeated assurance from service reps that this had been resolved, only to receive more calls ; and lastly the poor customer service I received today ( XXXX/XXXX/XXXX ) I was forced to make this complaint and am investigating options to hold AES accountable. 

They have for years harassed me due to the system they use, which prompts the calls for collection despite payments being made. They have been unable to assist me in closing an account because they have inaccurate statements. Now observing my payment history it seems the balances do not make sense, and I have to call into question how they have handled my account as well as others the entire time.
Product: Debt collection

Had identity theft I filed a fraud alert found out this debt was open XX/XX/2022 from a XXXX XXXX and I got paperwork sent of signed documents and a ID with my name. They updated this debt without a proper investigation and according to FCRA sec 623 enforce FACTA 312 if unable to perform a reasonable investigation then the agency is required by the FCRA to remove the negative information. And I called and was bullied in paying this debt which is not mines
Product: Checking or savings account

Multiple multiple over drafts outrageous amount over 500 since XX/XX/XXXX have reached out multiple times but have been told nothing they can do
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for reporting a debt on my XXXX, XXXX, and XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. Despite the debt 's removal, it has reappeared on my XXXX, XXXX, and XXXX credit report, causing significant distress and potential harm to my creditworthiness. 

This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). **Violation of FCRA : ** 1. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 

2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. 

**Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. XXXX XXXX XXXX XXXX has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt. 

2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. 

**Supporting Legal Cases : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.
Product: Mortgage

Started the Refi process 3 months ago - was promised to close well before this - and the company has no intention to close. Paid {$500.00} upfront for them to process the application and in the meantime I haven't been able to refinance, incurring current charges with my mortgage company that could have been avoided had AmeriSave closed the refi on time. My employment status has remained the same since I started this application, however, AmeriSave realized that during the year - before my application started - I went from being salary-based to commission-based and now request documentation that does not exist. They made a mistake during their process and now want me to be accountable for something they should resolve. My credit is pristine, my income is high, and I have sufficient funds in my bank account. This company has no interest in refinancing, they are only interested in collecting the {$500.00} and dragging my feet until I tell them to keep the {$500.00} and forget about the refi. Very poor communication and predisposition from the processor and the officer. Worst consumer practices I have seen. Stay away!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Credit reporting or other personal consumer reports

Hello good day I'm contacting you for your help I'm having problems with my resolution to my problems. I asked the credit bureaus to investigate and help with in accuracy on my report. They said they did the investigations but once I checked my report and I found more inaccurate information than every. I really need your assistance because they will not help me. I'm going this myself because I can't afford to get help because I'm XXXX and on a fixed income that's why I would like for you to please help me thank you
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a long term customer with Capital One, within CD, banking and credit card accounts. I had attempted to transfer some credit miles I earned on my card based on my loyalty with this bank. and my entire account was shut down for fraud in error. I immediately called the fraud office in the midst of my busy work day and was on hold for > 30 minutes providing my driver 's license and information. I was put on hold only to be told nothing can be done to reactivate my account and ensure my transfer miles are going to XXXX XXXX XXXX 
At this point, all I am asking is for this concern to be addressed asap as this is impairing my work and my travel plans. 
Case ID : XXXX. 
I have the company 's fraud department many times without resolution to my concern ( 5 calls so far ), multiple emails to executives of this company without resolution and I have payroll for my office due this Friday. Since I am not able to achieve a satisfactory resolution, I am now hoping CFPB can assist to get my funds back and for my miles to be deposited to the account I requested.
Product: Student loan

Fedloan Servicing has under-counted my qualified payments for the Public Service Loan Forgiveness program. The company says that it reviewed my account and added two more months of qualified payments. However, I am missing 8 -10 months of payments. I filed a complaint with this office before but the office only reported back what Fedloan Servicing said. I hope this office does more than simply report back on what Fedloan Servicing says.
Product: Checking or savings account

I have an annuity with XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I discovered on my 1099 that they mistakenly withdrew State tax ( {$160.00} ). My address, in TN, has been the same for 5 years. I called the company and while they admitted their mistake and corrected it moving forward, I was told they do not refund State tax mistakes. How is this company allowed to keep my money? As a retiree, I believe they are taking advantage of me. They owe these funds to me and should be held accountable for the practice of taking people 's funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from XXXX indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that XXXX placed a negative remark on my TransUnion, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to XXXX  to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that XXXX remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact XXXX  regarding this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These companies are 3rd party debt collectors and or financial institutions. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately. 

I have also previously sent a letter to these companies three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Equifax, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nor the consumer reporting agencies, Equifax, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

Without Recourse
Product: Debt collection

CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.
Product: Money transfer, virtual currency, or money service

TheXX/XX/2017 at XXXX I bought Bitcoins for XXXX ( fees included ) in Coinbase. 
The XX/XX/2017 I was logging into my account and I saw that it was disabled with no reason ( the Bitcoins are in the Coinbase wallet and, if I ca n't log in I ca n't get the money back ). 
They ask me to provide my ID and a proof of residence and I did it immediately by e-mail but a bot replied to it. I have put 3 complaints since then and they do n't solve my problem, they do n't answer me to the e-mail or to the XXXX messages. 

PS : I attach you the things they ask me to provide, just in case you need it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/22 I was scammed by XXXX XXXX XXXX XXXX XXXX for XXXX, I made a payment with XXXX that is incorporated with my NFCU online account, not the app! I paid the company ; but I did not receive Services. I then tried to solve with company but cant find a lead, then put a claim in with 30 days NFCU and the first claim was denied due no error found, then I requested another review of the 1st denial, with additional information sent inn and it was still denied I offered to get a police report, but the customer service reps said they do not need one..NFCU is not holding up to their part of there contract. " 0 '' fraud liability..My claim was not correctly investigated both investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from XXXX  XXXX XXXX , XXXX. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that XXXX  check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} ; ( Original Creditor : EXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5800.00}.
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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX  # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]