23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Monday, XX/XX/XXXX, I contacted Edfinancial for the first of many attempts after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days.Throughout the pandemic I paid {$8900.00} in payments to pay off my entire loan. When I asked for some form of confirmation that they are processing my request in their system, I was told I can not be given any form of confirmation via email or otherwise, even though they were happy to give me email receipts back when they accepted {$8900.00} dollars from me during the pandemic. I suspected they were not recording my request or beginning the process so I called again a week later to check and the representative on the phone told me they had no record of a refund requested by me in their system. I was distressed but remained calm and repeated my request from a week prior. 
On XX/XX/XXXX I saw that my balance owed on EdFinancial and XXXX was re-instated to the full amount of {$8900.00} but my money was never refunded to me. I was told by a representative that it would take up to 10 days after my loan balance is re-instated for the refund to hit my bank account and now it has been 30 days since my balance has been reinstated on EdFinancial and XXXX, and 50 days since my original request. During my third call with EdFinancial I was told by EdFinancial it would take another 60 days from today, XX/XX/XXXX, for the refund to be deposited to my bank. Each representative keeps lying and extending the quoted timeframe further out after each deadline passes and I check up on their quoted timeframe. 

EdFinancial is directing blame on the XXXX and saying the XXXX has my funds and it is outside EdFinancial 's control. 

It seems as though edfinancial is one of the ONLY student loan providers who is maneuvering with such shady business practices. XXXX, XXXX XXXX, aidvantage are only quoting 2-3 weeks turnaround time and those that I know with those loan providers have already seen their refunds hit their bank account. 

I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers refunding their money to their banks in just 5 business days makes me very concerned that this company does not have our best interests at heart. I have never dealt with a more unprofessional company in my life. 

PLEASE HELP ME EDFINANCIAL IS NOT REFUNDING MY MONEY AFTER 50 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 records 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 Balance : {$660.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 44 : XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of anxiety.
Product: Checking or savings account

On Friday XX/XX/XXXX, I submitted a wire transfer request via phone to my XXXX XXXX checking account. I have used this checking account for back and forth transactions for years. They confirmed the wire. On Saturday XX/XX/XXXX, I received an email from Marcus that they needed more information. They were unable to confirm me via my phone number ( phone number recently changed ) or my driver 's license ( stated they can not verify my Alaska for some reason ). They were unwilling to confirm my identity any other way and would not give me any more information. I am closing on a house on Tuesday and this is not acceptable.
Product: Debt collection

On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX / Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. AGREEEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so XXXX has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY XXXX representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet XXXX makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY XXXX, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Product: Debt collection

Jefferson capital stated they would send verification and a letter in the mail. Still havent received neither. They have reported it to my credit report without following federal laws. This seem to be commonplace with the company and with debt collection to purposely damage credit. They are avoiding sending verification because they dont have it. Once I receive verification and a letter I will respond
Product: Credit reporting or other personal consumer reports

I signed up with a credit bulider plus accout with Money Lion. The money is put inot reserves until you pay it off, This account is designed to be a credit builder. They have reported me 3 months late on money that is in reserves, and have no access to, and have severely hurt my credit report. I am small business owner, so it really took a toll on me. When I spoke to the XXXX, she refused to give her last name or I.D., she was extremely rude. I would like a full refund of the money I unvested into to this credit bulder loan, I was told that they can not close my loan until I pay it in full. Once, again, never recieved but {$100.00}, which is now part of the reserves plus the {$200.00} invested. The lady told me they reported me because they couldnot get in touch with me? I beleive I may have been scameed out of {$220.00} and negative credit report. All I want is my {$220.00} back, and for them to remove all the negative reporting off of my credit report.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}
Product: Credit reporting or other personal consumer reports

In according with FCRA XXXX  account number XXXX XXXX  bankruptcy XXXX XXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$350.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX 2017 I 've paid them so far {$200.00} they said they are collecting for XXXX XXXX and they attach a XXXX. 
This person I 've been speaking to XXXX XXXX Account Manager XXXX XXXX XXXX XXXX & XXXX XXXX ext XXXX XXXX direct line XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against TransUnion Credit Services & XXXX XXXX XXXX because TransUnion failed to protect my credit rating, the information contained in my credit report and my consumer rights against predatorily inaccurate information being intentionally reported and updated on my personal credit report. TransUnion knowingly allowed XXXX XXXX XXXX to report inaccurate and derogatory information on my credit report even after being provided all the necessary verification documents proving the information was false and that it was causing additional stress and harm on me and my businesses during the most unprecedented economic downshift caused by the COVID-19 Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter certified to TransUnion per what the FTC requires, but they refuse to honor my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed a contract with Westlake Portfolio Management they are reporting to my credit report for an auto loan debt. They are NOT my Lienholder and also repossessed my vehicle.
Product: Debt collection

I did not recieve any medical attention in the year 2018. This debt does not elong to me nor would it reflect my actual medical records
Product: Vehicle loan or lease

This is reference to US AUTO SALES. WE WERE HAVING ISSUES WITH THIS COMPANY FROM THE BEGINNING. THE SOLD US A CAR THAT ONLY RAN FOR ONE DAY. WE REQUESTED TO GET A REFUND. THEY REFUSED. THEY TOKD US TO PICK SOMETHING ELSE WE THEN CHOSE A XXXX XXXX. THE CAR THEN STARTED CUTTING OFF DUE TO THE THING THEY INSTALLED ON THE CAR TO SHUT THE CAR DOWN FOR NONPAYMENT. THE THING WAS SHUTTING THE CAR DOWN EVEN WITH THEM RECEIVING PAYMENT. THE THING SHUT THE CAR DOWN IN TRAFFIC ONE DAY WHILE I WAS IN XXXX ON THE INTERSTATE WHILE I HAD MY GRANDCHILDREN IN THE CAR WITH ME. WE CALLED THEM THE CAR WAS TOWED TO A SHOP. I FINALLY TOOK THE CAR TO AN INDEPENDENT REPAIR SHOP AND THE MECHANIC STATED THE THING WAS MALFUNCTIONING AND COULD SET THE CAR ON FIRE AND THATS WHY THE CAR WAS SHUTTING OFF. HE SAID THE INSTALLATION WAS FAULTY. THEY STILL REFUSED TO TAKE THE CAR BACK EVEN AFTER WE INFORMED THEM OF HOW THEY ENDANGERED US. They finally repossessed the car XX/XX/2022 and now its on my credit report. They should be held liable for endangering us.
Product: Student loan

Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. 

This is a continuation to complaint XXXX I filed in XX/XX/2017. Navient says they have no record of my filing this directive with the company and continue to dishonor my request, even after speaking with them on the phone numerous times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXXXXXX XXXX XXXXXXXX Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Accuracy of credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I've received multiple phone calls from TrueAccord Corp regarding an old debt which was due to XXXX XXXX XXXX on behalf of XXXX, XXXX in the amount of {$600.00}. This debt was settled many years ago with a settlement, for which I no longer have the paperwork. The rep I spoke to today, XXXX at TrueAccord ( XXXX XXXX ) is aware that this debt is NOT valid and stated that they do not report anything to credit agencies but is unaware if XXXX does any reporting to any such agencies. She suggested I contact you as I've learned that TrueAccord has a horrendous record of reporting false information on old, no longer valid, debts. I've requested a current copy of my credit report as well. Would you suggest any other steps I could or should take? Please let me know. My email is XXXX and my cell is XXXX. Thanks for your assistance.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I am also including an FTC XXXX Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple phone calls including auto-dialing occurs daily. Even prior to being considered 30 days delinquent with a payment. My references are called for collection purposes and my job was being called multiple times a day ( even though I did not provide the number ). With all of the calls I receive, there is also a voicemail message. Prior to me asking them to no longer call my job, I was receiving daily voicemail messages at work seconds after a message was left on my primary line.