23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am using this entity to demand payment for violations before I file a suit in federal court. Earlier this year I received an email stating that my Great lakes student loan was being transferred to Nelnet. I requested by email that Nelnet send me the alleged contract that I have saying that I will pay them. I do not believe I owe them {$22000.00}. I believe they have knowingly and willingly cause me harm by reporting to the Credit Reporting Agencies without my written consent. According to 15 USC 1681 I do have the right to privacy and no entity should be reporting anything on my behalf to a reporting agency without my written consent. Nor should they attempt to collect since there is no UCC 1 financing statement listing me as the debtor ( I have checked with the Illinois Secretary of State. I also believe that TILA have also been violated and that the securitization of the ORIGINAL contract has been laundered. Even though the email states they share the same " parent " company ', I never authorized this transfer, nor did I authorize anything to be reported on my behalf. Nelnet did send notices that I allegedly owe THEM money, nor did they or Great Lakes tell me that any money paid unto them would be put into a trust. Again, this is a violation of TILA, FDIC, and FCRA as I have no contract with them. Please pay me a total of XXXX which I'm entitled to twice the finance charge for these violations.
Product: Credit card or prepaid card

On XX/XX/2021 I was contacted by phone from a foreign speaking man that I couldn't under stand very well and he had all my information regarding how much I owed to Capital One and my credit card numbers at that point he said that I could end paying my {$200.00} monthly payment. But he needed my XXXX code #. As soon as I was talked into giving the code he switched me to a lady that was trying to sign me up with an investment counselor at that time I told them that didn't want to go any further until I receive a contract. Unknown til Later did I find out they charged my Credit Card {$3700.00} that very same day! That's when I contacted Capital One to dispute the charge at first they removed the charge then this XXXX XXXX supervisor sent Capital One a forged contract with my Name and initials and they put the charge back on my Credit Card. I spoke to this XXXX XXXX on the phone and he told me he was going to cancel this phony contract but he lied to me several times about ending this. I canceled my credit card thinking he could possibly charge more. I was told by Capital One that this case is closed because I didn't follow up within a certain amount of time.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

I tried to clear debt up to remove negative report on my credit. Approx.  XXXX  weeks ago I received a billing statement carecredit I called them to verify, they told me they could give me no info. because the account had been sold to   XXXX   I called p.r.a. they show that I paid off an account with them on in  XXXX  of   XXXX  . I make multiple calls to carecredit they refer me to   XXXX  . I do have an account with carecredit the account is closed but not delinquent. I need some type of verification from them that the account is not late/delinquent .They refuse to send me a letter stating that I am not behind on the payments as erroneously reported on my credit report. There are  XXXX  phone numbers that I am referred # 1 refers me to 2 #, # 2 refers me to # 3, #  3  refers me to # 4, then # 4 refers me to # 1 .On and on it goes. Each one assures me that the next # is the one that can help me. I  n  the mean time I am being negatively effected financially. Carecredit/Synchrony bank are the worst companies I have ever dealt with it is like an episode out off The Office.
Product: Mortgage

PROBLEM : MORTGAGE SERVICER MR. COOPER SHOWS AN ERROUNOUS XXXX XXXX ESCROW AMOUNT FOR YEAR XXXX IN DUPLICATE {$2800.00}. MR. COOPER HAS BEEN UNABLE TO SOLVE THIS DUPLICATE AMOUNT CITING THAT PARSELS AND AMOUNTS ARE CORRECT BASED ON TOWN WEBSITE. I HAVE BEEN IN CONTACT WITH MR. COOPER SINCE XX/XX/XXXX TO NO AVAIL. I AM CURRENT WITH MY MORTGAGE PAYMENTS. HOWEVER, THE SUBSTANTIAL AMOUNT OF ESCROW HAS INCREASED MY MORTGAGE PAYMENTS BY MORE THAN 10 % A MONTH CAUSING AN UNDUE HARDSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX., AND IT WAS A CASH PURCHASE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERROR. EXPERIAN; XXXX AND XXXX  TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.
Product: Credit reporting, credit repair services, 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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio
n 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX
Product: Credit card or prepaid card

Attached are images of consumer reviews that relate to this complaint. I've also attached what was handed to me after my transaction with XXXX XXXX, which an envelope and two pages stapled together. I've included my contract, which was emailed to me today from American First. 

On XX/XX/XXXX I called XXXX XXXX XXXX, PA about furniture and financing. They made it very easy, sent me a link to apply for financing. I filled out the app, which only took a few minutes. XXXX XXXX called me advising I was approved. 

Long story short, I got my furniture. I was set up on bi-weekly payments of around {$220.00} ( I can screen shot the payments and send, if needed ). Today, I contacted American Finance to inquire what the deferred interest rate would be, as well as the charge - I talked to a person via chat. They emailed me the contract, which stated interest rate of 169.53 %. I asked the rep more directly what the actual finance charge would be if I don't pay off the balance by XX/XX/XXXX, which is the early pay off period end date. The actual charge is not specially called out, or at least clear, in the contract. The rep told me the accrued charges after XX/XX/XXXX would be {$3000.00}. I used {$3200.00} for financing. Obviously, in shock, I shared my experience on XXXX XXXX XXXX and American First Finance 's sites on XXXX. XXXX XXXX denied wrong doing, attached is also their response.

American First replied to my review- they replied telling me to call and ask for a supervisor. I called and had to leave a voice message, no one has called me back - that was about five hours ago. 

I started to read the reviews on American First. Shockingly, there were other reviews and experiences similar to mine.

So tell me this, how does a company ( ies ) clearly provide its terms, fees, and interest rates in a way that would cause this much harm and confusion?? The information is hidden. 

XXXX XXXX is also responsible. The envelope and the double-stapled pages inside show none of the terms. I was also advised after the transaction that I had 90 days to pay it off. No where was this clear in the application process. 

I don't even know what all to do to help protect other people from these two companies ' practices. I do hope that my reviews and filing this complaint will help these practices to stop and for those harmed to receive some form of compensation. 

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

XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some response.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXXXXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX Account name : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 a 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 than records of convictions of crimes which antedates the report by more than 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Student loan

On XX/XX/XXXX, I called Navient seeking to apply for a XXXX XXXX XXXX XXXX as I had loans dating back to XXXX and currently working for a Governmental Agency. Navient directed me to Consolidate my loans which I did. Once I my loans was consolidated I was told by Navient I no longer qualify for XXXX and that I would have to start all over and make payments for 10 years before I qualify for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX 
I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. 
XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. 
I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. 
This notice should have been sent to me a lot earlier.
Product: Credit card or prepaid card

I had a balance left of {$8.00} with my Military Star Card. I called and spoke with a representative about paying off the debt and if they would remove all negative remarks pertaining to my account/credit report. They agreed and I made my final payment. I still see the remarks on my credit. I have it all recorded on the verbal conversation.
Product: Mortgage

BSI is deliberately failing to deposit my payments, I can prove are made on time, to fine me {$63.00} every month and bully me into auto deposit
Product: Credit card or prepaid card

I bought 3x {$100.00} master gift card issued by US bank on XX/XX/XXXX. When I tried to use those gift cards in XXXX, I found that the balances of all of them are {$0.00}. There were unauthorized charges on the cards. I contacted the customer services based on the phone number on the back of the cards. They asked me to fax the front/back of the gift cards, receipts buying the gift cards and my driver 's license to them for lost/stolen replacement card request. I faxed all the documents on XX/XX/XXXX and called them many times since then. I was able to get one of the master gift card replaced in XX/XX/XXXX. But for the other 2 gift cards, they said that the information has been forwarded to US bank and asked me to wait. The last time when I called them in XX/XX/XXXX, they told me that a different company/organization is handling the issue.It has been almost 2 years and I haven't gotten my {$200.00} ( 2x {$100.00} master gift card ) back. I still keep all the documents. Can you please help to get my money back? Thanks a lot!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home for my son and I. Needless to say, it has been a struggle financially for me to get something for us. 

Now that I finally have a steady income, I'm getting back on my feet. 

I am looking for a place for us to live and my bankruptcy keeps us from getting approved at a rate and payment I can afford. 

My son is XXXX and keeps asking me to get a place with a backyard so he can play more and get a dog. 

I'd really appreciate if this bankruptcy was removed so that I could tell him we were approved for our first place!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought two XXXX the musical tickets from XXXX XXXX XXXX for a show on XX/XX/XXXX @ XXXX  at the XXXX XXXX  in XXXX XXXX. After I bought the tickets, I was sent an email saying someone wanted to transfer my tickets through XXXX  for a showing onXX/XX/XXXX @ XXXX ( notice this isn't the correct time - and there wasn't even a showing at that time ). On top of that, the link was broken. I called XXXX XXXX to tell them the situation, and they were confused why I would receive an email from them when I bought the tickets on a different sight. They said their service isn't used in such a way. Therefore, I emailed XXXX XXXX XXXX. I only received an automated response that they would get back to me. However, they never got back to me. From the automated email, I noticed that there was a company name " XXXX XXXX '' from the XXXX. I searched around on XXXX, and many results came up commenting that they are a scam that make legitimate looking site for shows and musicals. ( The real site doesn't have dashes in it XXXX XXXX XXXX/ ... It's easy to confuse ).

Long story short, I protested the charge with Discover for {$190.00}. The first time they reviewed it, they sided with the merchant. Therefore, I uploaded documents including emails I received showing the broken link and things I found on XXXX  showing that this company is a scam. Again, they reviewed it and sided with the merchant! How could this be? They told me the merchant claims that I received tickets via email. However, I already told Discover that the link they sent me was broken, and I never actually received tickets. Also, the tickets they supposedly sent me were for a time where a showing didn't even exist. They said they're going to give it 90 more days for a final review. I've spent several hours trying to get this correctly resolved and sending all the proof I have. Yet, somehow Discover is protecting scammers from the XXXX instead of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up over an issue I have over Complaint Number XXXX. I also request to see a certified copy of any contract or agreement between XXXX XXXX XXXX and the original creditor that I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX. I had a dispute with the original creditors that has been resolved and yet the negative items still remain on my credit report. I file this complaint back in XXXX of this year and never recieved any letters back from the credit bureaus or the 3rd party companies.
Product: Credit card

I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.
Product: Credit reporting or other personal consumer reports

I have filed multiple times with Equifax, Experian, and TransUnion to update and report current accurrate information on my credit report. It has blocked me from getting financial help and I need assitance and they are unresponsive. I was surprised to find out that my government loans were lsited stopping me from receving any line of credit for help other than a vehicle. Please help.