23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My AES is currently in default I 've tried talking to them but nothing. Ive been going through money issues last couple of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

XXXX - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$760.00}
Product: Debt collection

On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.
Product: Payday loan, title loan, or personal loan

Company : Regional Finance XXXX XXXX XXXX XXXX, VA XXXX Conversation happened XXXX XXXX 2021. This is the email I sent to the supervisor ( XXXX XXXX ) and XXXX  manager XXXX XXXX XXXX ) I have an account with your company and had called in today ( XXXX time in less than XXXX weeks ) to follow up. I became unemployed and was In Contact with XXXX XXXX ( XXXX ) regarding my situation. I was asked to prove that I was receiving unemployment benefits so I know I couldn't file until XXXX  XXXX. I was given a packet to be submitted with my claim. ( Please see attachment ). 

On XX/XX/XXXX I came into the office to get a new page form ( as a new date was required ), I emailed all forms to the email address requested. I then called on XX/XX/XXXX to follow up again with the XXXX XXXX and they advised that they have not received anything. I called back to the office and spoke to the same lady who advised me to email it to XXXX XXXX directly, which I did. I received an email on XX/XX/XXXX from XXXX XXXX that the file was then submitted to the XXXX XXXX. Today, I called the insurance company and they tell me they still have no records. Puzzled and confused I called back into the office and asked to talk to XXXX XXXX. I was told he wasn't available. The same woman who I '' ve spoken to the last 2 times, asked if she could assist me. At first she told me that they ( XXXX  staff ) spoke about me yesterday and that she " thinks '' it was submitted. She then looked up the account and told me the account was paid yesterday thru XX/XX/XXXX. Of course I had questions as I'm still confused. As I ask why wasn't I contacted and started to ask when I need to send in more proof as I am still unemployed she started over talking me. When I advised that I have been in communication and very proactive about this bill and have followed all directions given, she started to say that they ( her company ) needed to submit the claim not me. I advised that I was given a paper ( see attachment ), with all instruction that I am to follow,, and as I became more confused,, the more questions I had. I did say at XXXX point " this doesn't XXXX make sense ''. She continued to not let me get my sentence out and still continued to over talk me and then called me a " XXXX '' which of course is not my name. 

Yes, I am XXXX by my skin XXXX and professionally is not acceptable or tolerable. It was not only demeaning but racially vindictive. I am not entitled and don't feel that I am. I called to speak with the XXXX because he had submitted my documents and I had dealt with him in getting the loan and spoke to him when my financial situation changed. I am just appalled that this woman spoke to me in the manner she did. I pay my bills and haven't been in this situation before. 

As I am ending this email, I just received a call from XXXX XXXX with an apology which I appreciate, however this has no reflection on the XXXX or the company as much as the individual I was speaking with. 

I appreciate the time you took to understand that I am only XXXX customer and my experience today, I wouldn't wish on anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I had two checking accounts with Wells Fargo. They were later closed and had accrued many overdraft fees. I have since paid one of them off, but have been unable to get the credit bureaus to remove the erroneous information. They continuously claim they've " verified '' the account. Clearly they haven't, as if they'd had, they'd know the account has been paid. I paid one of the accounts off with a XXXX XXXX money order # XXXX. It shows this money order has been cashed sometime in XXXX of 2020. Because it's been so long, and my rights under the FCRA have been violated multiple times, I would like both of the accounts removed from each credit report, or I will have no other option than to contact my attorney and file suit against all of these companies that continue to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged off debt from check that was not mine deposited online someone hack into acct
Product: Vehicle loan or lease

Balanced owed : XXXX. Loan was for a car. Called company to discuss options because of covid and they constantly harassed me. Calling me from sun up to sun down. I asked them to stop and they kept calling from different numbers threaten me.
Product: Mortgage

We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that I am a victim of XXXX XXXX  and to report TransUnions failure to comply with Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws protecting XXXX XXXX.

Under the FCRA, specifically Section 605 ( c ), credit reporting agencies are legally required to block adverse credit information that resulted from XXXX within four business days of receiving a victims request. I have provided TransUnion with all required documentation, including proof of my status as a victim and an official report verifying my victimization. Despite fulfilling my obligations under the FCRA, TransUnion has not complied with its legal duty to block the adverse credit information related to this matter.

Furthermore, I bring to your attention the Justice for Victims of XXXX  Act of 2015 ( JVTA ) [ 18 U.S.C. 1591 and 22 U.S.C. 7102 ], which defines severe forms of XXXX  in persons, including XXXX  XXXX, and ensures the protection and restitution rights of XXXX XXXX These laws emphasize that XXXX XXXX  should not be further victimized through adverse actions that impact their financial standing, including the mishandling of credit report disputes.

Additionally, the XXXX  Victims Protection Act ( TVPA ) and its subsequent reauthorizations highlight the federal mandate to provide restitution and safeguard the rights of victims of XXXX XXXX  and human XXXX. FCRA Section 605 ( c ) was specifically amended to provide victims with the right to have adverse credit information removed when it is a direct result of XXXX. 

XXXX failure to follow these mandates and disregard for the protections afforded to XXXX XXXX under federal law is unacceptable. This non-compliance has caused me undue distress and further compounded the harm I have already suffered. 

I demand that the CFPB take immediate action to ensure TransUnions adherence to the FCRA, XXXX, and XXXX. All adverse information related to this matter must be permanently blocked and removed from my credit report without further delay. I also request an investigation into TransUnions unlawful handling of my case and for the CFPB to impose the necessary penalties to prevent such violations from occurring in the future. 

I expect a prompt response and intervention. Please confirm receipt of this complaint and advise on the next steps to resolve this matter. 

Thank you for your attention to this issue and for safeguarding the rights of XXXX  survivors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is claiming Im responsible for loans I never applied for or authorized. XXXX and XXXX has not done a complete investigation, I filed a police report and filed a complaint with FTC. Look into the IP address, check my signature, I did not take out these loans, benefit nor authorized them
Product: Credit reporting or other personal consumer reports

Dear Equifax Corporate, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My Equifax credit report shows an account from XXXXXXXX XXXX that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my Equifax credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I have informed Equity Prime mortgage that I have decided not to close and complete the closing process with Equity Prime mortgage and have been asking/requesting them to close my file, but they are continue to give me the run around refusing to acknowledge my request to close my account. I have been requesting Equlity Prime mortgage to perform a Lender-to-Lender process to remove them from my appraisal report so that my new lender with a different mortgage company can use my appraisal report that I have already paid for.
Product: Prepaid card

I recently received an Amex digital gift card from my employer. I attempted to use this card at multiple online vendors ( XXXX, XXXX, XXXX, etc. ) and all transactions failed, citing an issue with the payment method. I read that sometimes this is due to holds placed on the card for more than the balance, so I tried purchasing small items far below the balance on the card ( {$200.00} balance, ~ {$10.00} items ) ; all of these transactions failed as well. Given that the card is for online use only and I can't use it at any online retailer- when the card advertises support anywhere Amex is accepted - I believe that this outcome is not acceptable. 

In my attempts to speak with customer service, I spent considerable time on the phone being transferred between departments. I ultimately ended up on part of an FAQ section, where I was abruptly told something to the effect of " thank you for calling, goodbye '' by the automated system before being disconnected. This was quite frustrating given the amount of time spent attempting to solve the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX EXPERIAN Regarding : INQUIRY REMOVALS Hello I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you ( EXPERIAN ) permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you. ( EXPERIAN ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note by law you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

My XXXX flights ( XXXX and XXXX ) were canceled on XX/XX/XXXX. In the cancelation email, it stated that I was entitled to a full refund or a credit. I tried to follow the steps on their website to get a refund, but their system repeatedly told me my flight number was wrong. I tried to reach out to them through their chat many times and never was able to contact them. I went to XXXX  Barclays and disputed the charge. The amount owed to me is {$190.00}. I was given a provisional credit that was taken back. On XX/XX/XXXX, I received an email from XXXX saying they gave a credit. This is why Barclays took the money back from me. I told them multiple times that I wanted a refund and was entitled to one. I was then instructed by XXXX Barclays to provide additional information in the next 10 days, to keep the dispute open. I sent them a fax with all the information on XX/XX/XXXX and still have got my money back. It became a manager case number, but have not heard anything from them since I missed a call from a manager. I tried to call back but didn't reach anyone. Their customer service is horrible and the agents on the phone can't give you any information to help you get your money back. This dispute has been going on for way too long and Barclays needs to step up and help people who are affected by Covid-19 get their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.
Product: Debt collection

This complaint is about AA Recovery Solutions, I XXXX XXXX, is requesting further documentation from. Please see attached below
Product: Credit reporting or other personal consumer reports

Received a card with my full name on in the mail from CashApp today, XX/XX/2024. Did not request this card. A identical situation just happened like this in the last week and I contacted that company ( XXXX ) and have recently put fraud alerts out on all XXXX credit bureaus. I just want to ensure this does not keep happening. I also am in the midst of updating my recently legally changed name and the name on the XXXX cards I've received is my old name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Student loan

I attempted to contact Navient by logging onto my ( secure ) Navient account and sending inquiry via their email system. My inquiry : " Good morning. My account number is XXXX. My balance is now above {$30000.00}. I am going to start repaying soon. I request that my loans be changed to the Extended Repayment Plan and to be notified of how much the monthly payment will be for each loan. Thank you. '' After 4 days, Navient did not acknowledge nor respond to inquiry. 

So, I sent a copy of my inquiry via regular email, to CustomerService@navient.com. 

Navient 's ( automated ) response : " Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction. 
For more information about this error, see DSN code 5.7.1 in Exchange Online - XXXX XXXX. '' On XXXX, a borrower can switch repayment plans on the website - so easy. Navient doesn't even display or disclose which repayment plan your loans are currently on. 

Worse : Navient won't respond to inquiries!!
Product: Checking or savings account

On XX/XX/XXXX, client deposited a check in the amount of {$4100.00} into account. After doing so, client became worried that check was fraudulent, and contacted bank. Representative of bank assured client that check seemed valid, and if it cleared in 24 hours, would be. Client waited for stated time, and on XX/XX/XXXX used those funds. On XX/XX/XXXX, client and parent were notified check was indeed fraudulent, and now owed bank restitution. Parent contacted bank on XX/XX/XXXX, was told there were no notes on the account. Parent contacted fraud department and instituted proceedings on XX/XX/XXXX. Parent covered " overdraft '' of {$2600.00} on XX/XX/XXXX. Bank states it has no liability in this regard ; parent researched and found literature stating bank not responsible for misstatements by employees. This seems unreasonable, client sought help, and without statement by employee quite probably would not have used funds after consulting with others. Parent offered mediation, and stated this action could be litigated. Local bank manager re-escalated fraud query, but neither action taken nor correspondence sent to parent. Bank manager offered 0.2 % over market rate for a deposit account ; parent declined this minimal offer.

Bank charged overdraft charges on debit card - parent contested these, they were returned ( at this time, I think all were, but there were many ) Multiple employees stated that funds were made available due to parent 's accounts at bank, even though parent was not notified until AFTER the fact. Another employee stated this type of fraud is not unusual, though it is not readily searched. 
I know of no other business that can misrepresent and not be held liable for actions, though there may be some.
Product: Debt collection

I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.