23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Spoke with XXXX XXXX with Ace cash express in regards to a loan obtaining a personal loan in the amount of XXXX. I was prompted to verify my XXXX account by Ace cash XXXX in order to receive the loan on XX/XX/XXXX Ace cash advance deposed {$690.00} on XX/XX/XXXX. The deposit came from XXXX XXXX, into my XXXX account. I was then asked to purchase two visa gift cards. One in the amount of {$390.00} at XXXX on XX/XX/XXXX and the second at XXXX in the amount of {$690.00} on XX/XX/XXXX. I was told to take pictures and email the gift card information to XXXX XXXX at XXXX. I was told this was part of the verification process. 
After doing so. I was told I would receive my loan by that evening of XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX stating that I would have to verify my XXXX account one more time because they did not typically deposit loans through XXXX. This time he stated he would deposit an amount between XXXX to XXXX and I would again need to purchase another vanilla visa cash card. 

I refused to buy any further gift cards and and asked what me buying gift cards had to do with verifying my account, after already doing so once. 
I then felt there was something wrong with the situation after multiple personal text messages and phone calls from XXXX XXXX from the phone number XXXX. Asking me to proceed and being very pushy. 

I had not heard from or spoken to XXXX XXXX again with ace cash advance until I called demanding my funds back on XX/XX/XXXX. 
I was notified that {$240.00} was deducted from my XXXX account, also connected to my bank account. In the amount of {$240.00} the transaction stated it was a fraud claim. ID XXXX. On XX/XX/XXXX. The {$240.00} was every penny in my account On XX/XX/XXXX. Im sure more would have been have been taken if there more in the account. 

I then contacted my bank in regards. Shutting down my cards and account. I called the XXXX Fl sheriffs office to file a report through officer XXXX on XX/XX/XXXX and was directed to file a claim through www.ftc.gov/complaint in regards, due to the report happening out side of XXXX XXXX. The office of ace cash express is out of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT NOT RESOLVED Source Equifax XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX NC Zip XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen XXXX. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I first requested access to this account because I had not accessed it in many years. This was an account from highschool and I am now in my XXXX. PNC online system would not allow a password reset even after I called PNC customer service. I decided to close my account and initiated that over the phone XX/XX/XXXX. I waited the 3 business days for the address change freeze to be lifted then called them back to close the account and mail the check. They said they already mailed me the check to my new address and the account was automatically closed. Three weeks go by and I never received the check. I called them and they said the check wasn't cashed but would assign a case manager to research and get back to me. Long story short, they ended up giving the money to my mom who had gone into a local branch to consolidate her accounts and they took my money and gave it to her because her name was on my account since highschool. After two weeks of research the case manager told me it had been cashed already and gave me my moms name. PNC customer support lied about so much its unreal they are still in business because this check had been cashed in early XXXX and it took them weeks to figure this out.
Product: Credit reporting

INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

College I was attending was n't reporting all the semester hours I was taking to the student loans department. When I raised questions and went to the dean of student services I was lied to and was told different stories. I saved emails claiming I revised a incomplete for a course from last semester and was finishing up that class this semester and it did n't count. I gathered up contradictory emails from the dean of student services and my professor of the class to take to the dean of the college. I scheduled a meeting with the dean. When I went into the building with my evidence that I was retaking the course I was seated in a meeting room. After a few minutes campus police showed up aND trespassed me from campus for 1 year. I was never allowed to finish my degree and hence have XXXX plus dollars in student loan debt. I have proof I was being forced to retake a class from beginning to end. My grades were being changed on assignment sometimes going up sometimes going down. I also have evidence that the reason I had to retake the class was because the professor was n't grading my assignments correctly the first time I took the class.
Product: Debt collection

Mersal and Kramar ( Minnesota ) Sued me while I informed I was in Texas after winning the law suite the they garnished my account for XXXX XX/XX/2019 dollars. They were aware that in Texas they are required to be bonded by the Secretary of State I have asked to turn the account over to original owner  XXXX   XXXX but continue to send letters to my attorney after I provide my address on phone to them. why are refusing to call me to write letters when I gave my Texas address. This took place today XX/XX/2019. 

When capital calls they keep saying my attorney I do not have one he has given permission for me to speak to them I have capital one remove information. I frustrate feel victimized by the games played here. How can company collect in Texas while they are not bonded also I received letters from court while this case was going in Texas proof that I live here. Please find this company they are abusing consumers like me I am asking for justice if there is fine I need them fine if you need proof I will supply. I make clear on the phone here that they must resume communication with me and stop playing oh he has lawyer game. 

Please Are third-party debt collectors and credit bureaus required to register with the secretary of state? 

No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct These Companies has violated my rights with Hard and Soft Pull Inquiries. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Also I just left a complaint on this portal about the {$1000.00} credit also m and t bank has a policy that is denying a person who is with the bank the right to cash government checks and pushing them to another bank then taking over that bank as they did with providence bank in 2009 and whatever ever bank a person goes to which is info theft this is why congress has m and t bank on trial as a honorary worker for the doj I give this info m and t bank wants a person in Pennsylvania banks.
Product: Credit reporting or other personal consumer reports

Capital One has refused to correct the erroneous inaccurate reporting on my credit report. They are in Violation of the FCRA. I have attempted several times to have them correct the information on my report. attached is the evidence highlighted in black of the plethora of errors on my consumer report that is not in metro 2 standards and must be removed from my credit report immediately. Please investigate their practices and procedures as it pertains to ignoring the FCRA guidelines and the willful noncompliance of conducting and reporting to ensure the accurate of reporting for consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report
Product: Credit card or prepaid card

PayPal Credit opened an account in my name on XX/XX/2020 with an initial charge of {$1500.00} -- but I knew nothing about it until I pulled my credit report on XX/XX/2020. The company 's customer service wasn't open until the morning of XX/XX/2020 when I contacted them to report fraud. They opened a case but they weren't very helpful ; they only said they have 60 days to respond to the claim. They did tell me it was opened with an address that was mine 6 years ago, using a telephone number that I've had for many, many years. All that was needed to open the account was name, address, telephone, an email address and the last four digits of my ssn. 

I only happened to pull my credit report that day because I was applying to refinance my mortgage at a rate of 2.375 % - a substantial savings over my current rate. I can't qualify for the refinance until this bogus account is off my credit report, and I'm afraid PayPal Credit isn't going to give me any timely satisfaction. 

Can you help get this corrected soon?
Product: Debt collection

Medical Data Systems Inc. reported a collection account that was previously paid. I called the company at XXXX. I spoke with someone named XXXX, but she refused to disclose her identity beyond her first name. I was directed to XXXX XXXX, the manager. He refused to give me any sort of straight answer while I was speaking with him over the phone. I asked him about the status of the account, but he was unwilling to answer why the account was still listed as open despite the debt having been paid. I requested an account statement or a statement of XXXX balance, but he told me that he was going to give me the phone number of the legal department or hang up. He started counting from 1 to 3, then proceeded to hang up. There was no legal reason for him to have hung up the phone. I retained a copy of the call recording. I was polite, courteous, and professional with him. He was yelling at me while we were speaking. He refused to address the problem. After he hung up, I called back and left a message on his voicemail informing him that I would be filing a complaint here. I have not heard back from his office.
Product: Checking or savings account

I hope this email finds you well. I am reaching out to you regarding several unresolved issues I have encountered with Found 's customer service department, and I would appreciate your urgent attention to rectify these matters. 

Over the past few months, I have made multiple attempts to seek clarification on certain policies and procedures, specifically regarding a recent transaction. Despite my persistent inquiries, I have yet to receive a satisfactory explanation or a reference to the relevant policy on your website. This lack of transparency has been frustrating and has left me feeling uncertain about the handling of my account. 

Furthermore, I am disappointed to inform you that I never received the product I ordered, yet I have been charged for it along with additional fees. Despite my efforts to dispute these charges, they remain unresolved, adding to my dissatisfaction with the level of service provided. 

To compound matters, I was blindsided by the sudden decision to close my virtual card without any prior warning or explanation. This action has inconvenienced me greatly, and I am deeply concerned about the lack of communication and transparency surrounding this decision. 

I have been in communication with XXXX XXXX from your team in an attempt to resolve these issues, but despite his assurances, the core issues remain unresolved. I am at a loss as to how to proceed and would appreciate your immediate intervention to address these concerns. 

I value my relationship with Found and have always been a loyal customer. However, the experiences I have encountered recently have left me feeling frustrated and disappointed. I urge you to prioritize resolving these matters promptly and providing me with the clarity and assistance I need to regain confidence in your company 's customer service.
Product: Credit reporting or other personal consumer reports

violations of federal statutes in reporting and validating credit and misinformation about negative items as well as address and erroneous information which has caused me financial harm and mental anguish To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report.

I understand that mistakes happen, but your inaccurate information could hurt me in future and cost me a job, dream house, car or force me to pay higher interest rates and frankly I have enough stress as it is. 

Please remove any names, addresses, and employers listed on my credit profile that are not the following : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and demand the immediate correction of inaccurate and outdated information appearing on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 [ 15 U.S.C. 1681c ]. 
The following item ( s ) are reporting inaccurately or beyond the permissible reporting period : [ Ally, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Department Of Education, XXXX XXXX ] According to FCRA guidelines, negative information such as delinquent accounts, charge-offs, and collections must not remain on a credit report for longer than seven years from the date of first delinquency. The listed item exceeds this statutory limit and should have been removed.

Furthermore, reporting outdated or incorrect information undermines your obligation to maintain accurate consumer data as mandated by federal law. I demand the following actions be taken immediately : 1. Remove the inaccurate or outdated information from my credit report.

2. Notify me in writing within 30 days of your corrective actions.

3. Provide an updated copy of my credit report reflecting these changes.

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my consumer rights. 
Please consider this letter a formal record of my dispute. I expect prompt attention to this matter and resolution as required by federal law. 
Sincerely, XXXX XXXX
Product: Debt collection

I contacted LVNV Funding aka Resurgent on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave Resurgent more then 30 days to provide verification of debt and once I  pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6-7 months, I have disputed several accounts on my credit reports that are reporting inaccurately with the credit bureaus and the companies. To date, the following accounts have not been verified or corrected and I have requested proof of how the accounts were verified : XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number. XXXX I have tremendously suffered for the negative adverse actions, which has even included being terminated from my job! Due to the Inaccurate reporting and the accounts never being late, I am requesting they be immediately deleted per 15 USC 1681 # 2 Exclusions.
Product: Student loan

I called Aidvantage on XX/XX/XXXX to request a refund of student loans made since XX/XX/XXXX as per the Biden Student Loan Forgiveness. I understand that many people are also calling in and expected a long wait time. I waited for a call back for six hours. When I finally got in touch with a representative, after most of my information was taken and without notice, went dead. The call had either dropped or the rep hung up. I called back and had to wait until four hours to reach another rep. When I finally got in touch with someone, they had to reverify the information and stated that they had to wait for a supervisor to approve the request but I should be good to go. I was given a time line of 4-6 weeks. After the six week mark, I called again to ensure that my request had been processed correctly. I waited for a rep to answer and when they did, they were busy speaking to someone in the background for about a minute before they realized I was on the line. He wanted to confirm my identity, in doing so, he read my social security number out loud, I assume within hearing distance of the person he was talking to previously. I was appalled that he would even read my social security out loud. I have never had a rep from any company do that before. After explaining my situation, he assured me that the my loan had been processed and it was now a waiting game. I called again at the 8 week mark and was told by the rep that there was nothing they can do on their end to expedite my request, although I have read by other people that some reps will expedite their requests. I have checked my Aidvantage and student loan account every day and my balance has not updated to reflect the new amount. I have just hit the 11 week mark since the initial request. The reps have been giving me the run around with different information every time I call about how long it will take to process my request. I am trying to be understanding but it has been almost three months and my account has not moved. I am beyond frustrated with Aidvantage and can not sit idle any longer.