23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

AES/PHEAA is constantly claiming that I have not reached out to them to resolve the delinquency on my account when I have sent multiple emails over the course of the past few weeks to let them know when the full amount past due would be made. I have instructed them that a payment is not only scheduled for XX/XX/2020, but that I have made multiple statements in multiple emails claiming this. PHEAA has also recently sent a threatening letter to which I actually do feel threatened, and I'm compelled to file a Civil Complaint against AES/PHEAA for unjust treatment and harassment. 

As of XX/XX/2020, I received this in my email ( and this is not the only one ). First off, they are not making any attempt at helping to resolve the delinquent account, so right off the bat that is a falsity. When borrowers or consumers make multiple attempts themselves to let the creditor/lender know when a payment will be made, the creditor/lender is required to oblige by that statement and date. These emails will result in proceeding with a Civil Complaint based on the threatening nature of these emails. It wouldn't be a problem if AES/PHEAA actually acknowledged the countless times I have expressed when the account will be made current. I will repeat, a payment is scheduled in the amount of {$550.00} to be taken out on XX/XX/2020. I'm here to let the Consumer Financial Protection Bureau know though that AES/PHEAA will allow that payment to sit for a whole 24 hours before even sending it to my bank, as has been the case in the past. I feel this is being done in their favor. This also creates a burden for many people, because when they allow that to sit there, it becomes suspect due to interest being allocated on the balance daily. So, in essence, if they're purposely extending the date when they send the payment, that is adding interest to the balance for those days that AES/PHEAA allowed the payment to sit Idle on their watch. I'm also going to see about reaching out to XXXX XXXX to address these problems. I feel there is a lot of corruption going on in the background to which borrowers are not aware. 


Email from AES on XX/XX/2020 at XXXX : Hello XXXX : We've made several attempts to help you resolve your delinquent account. However, your account is still past due. As a result, your account has been reported to the consumer reporting agencies. 

There are options to help you in this situation, but you need to take the first step to clear the delinquency and prevent any further collection activities! If you can make a payment, please do so today. The easiest and fastest way to make a payment is online. 

This isn't the first time AES/PHEAA has been caught with red hands. I'd like to remind everyone that multiple states are suing AES/PHEAA for these types of situations ( see below ). If I were anyone at AES/PHEAA, I'd be seeking out new employment, because this company is clearly hiding something. 

New York sues big U.S. student loan servicer for abusing borrowers XXXX XXXX XXXXXXXX Massachusetts can sue federal student loan servicer, judge rules XXXX XXXX   XXXX I may end up joining one of these XXXX  as well : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Complaint Department/ Credit Dispute National Credit systems . 
Dear Sir or Madam : I am writing to dispute the following information in my file with you company. Ive done my due diligence as a Consumer or reaching out to XXXX XXXX XXXX. I received no clear direction, Ive sent multiple letters and emails with No Response. I fulfilled my response requirement as required by FCRA Laws. Ive been working at this for about ( 4 ) months with no response. 

The information provided by XXXX XXXX is inaccurate due, to incorrect status reporting and incorrect amount owed provided to you company. 
Issues : Inaccurate status reporting. ( I gave company written notice, I stated I would be moving verbally, also written from the documentation provided by the apartment complex ). 
Assistant Manager stated it was okay to move. I moved out on the XXXX of XXXX. However, I provided my keys back to the apartment complex on the XXXX of XX/XX/XXXX. 
Apartment complex lagged in their response to provide accurate data with key return request. 

I contacted Fair Housing on the XXXX of XXXX stating I was a victim of Identity theft which was causing my funds to be held a XXXX XXXX. Fair Housing advised, I could move out and only be charged the backed rent and a prorated charge from XX/XX/XXXX XX/XX/XXXX. Due to my lease starting XX/XX/XXXX. My fees should be as follows. 


Past Due Balance of - {$1300.00} Key Return Date XXXX XXXX XXXX ) {$2300.00} however, I moved out on the XXXX. This amount should be prorated to equate to XXXX. 

Balance Owed should be = XXXX plus. 

Utility Bills- Utility bills provided by company are inaccurate I went down to office multiple times stating, I double paid utilities. Under Management direction, I reached out to the utility company and they also stated I was dually charged. I have proof of my XXXX XXXX XXXX bill stating I was already charged and paid for utility bills. 
I do not agree with the purposed XXXX amount. I let the GM know that I was told the only amount I would have to pay was a XXXX amount. Which I agreed to pay I will not be responsible for any additional charges from this company. I agree to pay the XXXX . Any additional amounts I do not agree to pay. 

FCRA NOTICE : While an Item is in dispute with a collector. A Collection agency is unable to report said balance to credit bureau. I am within my rights to dispute this information and well within the ( 30 ) day response time to dispute this item. First contact from National Credit Systems was XX/XX/XXXX via phone. 

Resolution request : I would like to request the accurate balance be updated and the company provide details of their findings. If the company can not reach an agreement with this company, I would like to solve this matter in a court setting. I agree, to come to an agreement with this company and pay the XXXX $ owed to National Credit Systems, should XXXX XXXX agree with my purposed amount. Thank you. 
Sincerely, XXXX XXXX Contact Information : XXXX XXXX XXXX  XXXX, CA XXXX Phone : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023, I had my work hours cut because of an injury. I was making my payments as I was supposed to but with a cut in pay, I knew that I was going to be in trouble. During a call from Citizens Bank, I asked XXXX XXXX if I could refinance the loan for a lower payment. He said no. In XXXX of 2023, I had asked for a forbearance and I could only get one for 3 months. After my re-payment started, my payment went {$280.00} to {$300.00} and that didnt help at all!! 
Since then, Ive had to wait until my next XXXX XXXX check comes the next month to pay it. The loan is always paid in the second week of the month but Im XXXX weeks behind. The payment is due on the XXXX of the month. On the XXXX of the month, the phone calls start!! I get as many as XXXX or more per day from the XXXX to a few days after Ive made my payment. My payment is never a month late. These dates are the most recent that I have but my phone didnt store the calls from the XXXX. Following are the dates and times : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dont answer the calls because the first time that I did I was pressured into post dating checks for XXXX payment that put me into another bind. All I want is for them to work with me so that I can get this loan paid off and to quit calling me. They know when I make my payment.There is nothing in my loan paperwork that says it can not be re-financed. I appreciate your help.
Product: Credit reporting

This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Tranunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. These are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Called creditor also called XXXX Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from
Product: Debt collection

I was the victim of identity theft and did not receive any services from XXXX XXXX. The collections company called The CBE Group , INC is either fraudulently or unknowingly asking for a debt that is not mine and the result of identity theft.
Product: Payday loan, title loan, or personal loan

After submitting all pertinent documentation i returned a call, asked for XXXX, but spoke to a woman that said she could help me. She told me I was missing schedule C for 2019. I explained to the woman that I was a XXXX  employee in 2019, and that a schedule C for that year would not exist. She said ok and that my application was under review. 

I continued to receive emails saying I was missing documentation. Two times i emailed customer service again explaining the documentation was submitted and each time received a response saying my application was under review.

Next day I received yet another call requesting Schedule C for 2019. I've repeatedly stated that 2019 I was a XXXX  employee, and that I would not have a schedule C for that year. 

XXXX was persistent that I should have a schedule C for 2019, even after I repeated multiple times that document would not apply for 2019 because I worked as a XXXX employee. 

There seems to be some serious confusion on your companies part on what documents pertain to who. XXXX stated a XXXX is for an independent XXXX. That is absolutely incorrect! I worked as a Human Resource and payroll XXXX for nearly 20 years, so I know a little something about payroll and tax forms. 

XXXX is for an employee that works for an employer who deducts their taxes through payroll. 

XXXX is for an independent XXXX *Schedule C is only required for 1099 independent contractors OR/AND sole proprietors of a company It is beyond unprofessional and ridiculous that a company processing loans is not knowledgeable on these basics that are so crucial to the work you do. I can't imagine how many people have been denied a loan through your company for not being able to produce documents that shouldn't exist to begin with. Like you intentionally ask for forms that shouldn't exist to be able to deny a loan. 

I've never experienced this with a loan and find it ridiculous. I have reported this to XXXX  and other mediums as unfair business practices.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX woman, single. I took out a title loan with Titlemax in XX/XX/XXXX. I must work to supplement my Social Security. I took a job at a local gas station and convenience store. I developed XXXX that is extremely painful and had to leave the job. I fell behind on my payments to XXXX XXXX and although there customer service mantra is they are committed to great customer service they were not willing to work with me on a settlement. The interest rate goes up daily from {$500.00} to now {$860.00}. My car is XXXX XXXX XXXX and now in danger of repossession. I can't lose my vehicle. They have closed all branches in my state as of XX/XX/XXXX due to unfair business practices. They do not ever answer their phones and I need reconciliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and have fraudulent information reporting on my credit file, I am a victim of fraud and have tried to dispute this inaccurate information due to being a victim of fraud. The following inquiries are fraud and need to be removed from my credit profile due to inaccurate information. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX Account Number : XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Checking or savings account

I was charged {$12.00} for not having {$1000.00} for less than 1 day while transferring funds from another bank. I paced a complaint about the bank with XXXX and the bank Truist falsely informed XXXX case closed the case without even working on the issue. 


Transaction Details - {$12.00} MAINTENANCE FEE Transaction Date XX/XX/23 Posted Date XX/XX/23 Transaction Type Debit Reference Number XXXX Receipt Attached No
Product: Debt collection

Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Product: Student loan

I was late on a payment on my student loan for XXXX XXXX. I just recently graduated  and I am still looking for a stable job. I owed a payment XX/XX/2018. I was unaware of such payment requirement and I did not pay it on time. I got an email about its past due status. I deferred my loan payments while in school twice. However, I did make the payment for XX/XX/2018. I am now aware of these payments but I was not before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : Customer Relations Department XX/XX/year> Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry:XXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Mortgage

My mortgage had remained with BB & T Bank since early XXXX when they bought my mortgage from another institution.I pay {$1100.00} as my mortgage and an extra {$100.00} that goes to my principal.My payment period starts XXXX day to XXXX day of every month which BB & T draws from my Account with the bank ( bb & t ) automatically.Incidentally, my XXXX XXXX mortgage was deposited into my BB & T account ( {$1300.00} ) cash around XXXX on XXXX XXXX, which is within my payment period.Surprisingly, BB & t slammed {$47.00} late fee, {$36.00} for belated automatic withdrawal on XXXX/XXXX/XXXX and another {$36.00} on XXXX/XXXX/XXXX when they collected the money that had been in my bb & t account cash since XXXX.When I called the Bank, the {$47.00} late fee was waived, but I am asking for complete refund the remaining {$72.00} which is still hanging.Please help me resolve this kind of shabby treatment particularly given to me by BB & T , as this is not the first time.Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX FOR SALE IN XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

Hello, Ive been having this continuous problem with Afterpay, I even filed with the XXXX  but did not get a solution so I hope you guys can help me. My item never arrived and Im being forced to pay and now in debt. I thought Afterpay would be understanding to their customers, and at least wave it away and go to the merchant. I tried going to the merchant myself and getting a refund from there but I couldnt, because it says its been delivered even though I dont have it and it was my first time ordering. Even the merchant told me to contact the shipping company XXXX, which does not help as Ive had problems with the same company before. The merchant is XXXX. Please help me get around this
Product: Debt collection

I settled a debt with a collection company for Synchrony Bank. I contacted Synchrony to get the status of the title for the boat only to be told they do not handle accounts for XXXX XXXX any longer. The customer service person said they could not locate any account under my social security number or name. The collection company that completed the settlement indicated that they did forward the funds to Synchrony. I have two problems, first how can Synchrony report something on my credit file if they can not even locate the account and secondly I need to know where the title to the boat is since the account has not be settled. I only have a partial account number of XXXX