23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the XXXX plan on the DOE website XX/XX/XXXX and was approved. I was given the payment amount of and I was prepared to pay the payment amount for XXXX. Then I got an email from aid vantage saying I owed a payment amount that was hundreds of dollars more, and they separated the payments into a {$320.00} and an {$85.00} a month payment for a total payment of over {$400.00}. According to my XXXX plan I was approved for the payment amount was around {$180.00} a month. I immediately tried to call aid vantage to get this resolved.Ive called now several times. The first call was XX/XX/XXXX. The second call was XX/XX/XXXX. Both times I sat on hold for literally hours, until my cellphone battery died from waiting on hold. I have not received any correspondence from aidvantage acknowledging the payment plan application and I can not reach anyone to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting

I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.
Product: Debt collection

On XX/XX/XXXX I was contacted by an unknown company using phone # XXXX stating that I needed to call their office at XXXX because they have some very important, time sensitive documents for me to sign for. The address they have is over XXXX years old. When I call back I talked to XXXX XXXX. She informed me that they are trying to serve me legal documents for a debt that is outside of the statue of limitation. The debt is XXXX years old. I informed her that I claimed bankruptcy on that account in XXXX. She demanded that I send her my bankruptcy documentation via fax XXXX. Again, a different number! So I thought about it for a day and sent her a letter via Fax asking for proof of debt and for all communication to be done via e-mail because I was not giving her any additional personal information. I also informed her that if I don't receive it within the 30 days I would consider this account closed. I have not received anything from her. Not sure if this is even a legitimate debt or company.
Product: Credit card

I made a payment of {$2700.00} to my XXXX card on XXXX. Today on XXXX, my credit is still not available even though the payment was debited from my bank account. When I called this morning, the representative XXXX assured me the credit would be available by end of day today XXXX at XXXX XXXX XXXX The credit did not become available, so I called again and spoke to supervisor XXXX who informed me it would actually be available on XX/XX/11 at the end of the day and theres nothing they can do to expedite or manually apply the credit. This is terrible service from XXXX, as I have had this account and have been making on time payments for 4 months in a row.
Product: Checking or savings account

I attempted to contacted Bank of America. They actually did nothing to resolve my issue. This has now cause a finical hard ship for me. I just had a new born baby. So based on bank American failure to assist me in this matter. Which falls under regulation E. This transaction was not authorized. And I would like it to be refunded immediately. 

email : XXXX XXXX
Product: Debt collection

I have reviewed my Credit report and found several account unrecognized items from your office ARS # XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ARS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

I recently sold my vehicle to XXXX and received a check for the transaction in the amount of {$18000.00}. Check states there maybe a 2 to 4 hr hold on funds to protect against fraud. I deposited the check the next business day. I was told by the teller when I deposited the funds there would be a 24 hr hold on the check. How I am being told there is a 10 day hold on the funds. I have verified with XXXX the funds have already been released yet Chase will not give me access to my money. I am in desperate need of these funds as I need to purchase another vehicle asap. I am spending money on uber and lift unnecessarily because of the banks hold. The supervisor I spoke with was XXXX. 
My full name and account information is as follows. 
Routing number XXXX, Account # XXXX Name on the account XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL, XXXX Please help me, As the funds have been released from XXXX XXXX XXXXXXXX and the check was written from a very large company XXXX. And again I was told there would only be a 24 hr hold. I read under the terms and conditions if it would take longer I would be informed as to the reason by email. I have had no such communication. 
Thank you My email address is XXXX and my phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

Collection account is TOO OLD to be reporting on my credit report. The last payment with the ORIGINAL creditor was sometime in XXXX, meaning account should have been removed in the year XXXX ( 7 years ). Attempted disputing account as it says the removal date is XX/XX/XXXX, but debt just comes back as verified. I am requesting PROOF showing my last payment/communication with the original creditor and how the XX/XX/XXXX removal date is being verified as such. If documentation can not be produced showing my last payment/communication with the ORIGINAL creditor was in XXXX ; collection needs to be removed immediately. It should have been gone in XXXX. 

I HAVE REQUESTED THIS INFORMATION TO BE FURNISHED TIME AND TIME AGAIN, NEXT STEP IS LEGAL ACTION!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are deceptive and unfair and request an investigation into my account transactions.
Product: Mortgage

In XXXX I applied to re-finance my home mortgage with XXXX XXXX XXXX Company. I told the representative, XXXX XXXX XXXX, that I did not want to finance for another 30 years loan, as I had already paid for 9 years on my home. I recently found out that my home is not being paid off until the year XXXX. I contacted my loan management service, Rushmore Loan Management Services, and they sent me a document that says the " note '' is due to be paid off on XX/XX/XXXX, that has my signature on a different page. I do not have this form in the copies of the re-finance included in my records, signed or unsigned. In fact, none of the copies of the documents sent to me, for my records, has my signature on them. I do not have one copy of the re-finance loan that contains my signature. I tried to tell the loan management company many times that the contract needed to be voided because of the mistakes made when I re-financed, but they have chosen to ignore all my efforts. I was also promised {$430.00} refund from my escrow, but I never received that money. I was later told that it went towards my new escrow account, as it was short. Now Rushmore Loan Management Services is selling my account over to XXXX XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. I can't afford to pay on this loan another 23 years, I'm XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Bankruptcy Chapter 7 Bankruptcy - XXXX Chapter 7 Bankruptcy - XXXX Late Payment TARGET/TD - XXXX - {$0.00} Inquiry O XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Current XXXX ( es ) : XXXX XXXX XXXX PL XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received XXXX XXXX  report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with Bank of America or XXXX XXXXXXXX XXXX or XXXX XXXX. Please advise. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX in disagreement with the account listed below which sill appears on my credit report, even after your investigation. I would like this item immediately Re-investigated. The inaccuracies are highly injurious to my credit score Account name XXXX XXXX Account XXXX In accordance with the fair credit reporting Act, Public law XXXX, XXXXXXXX XXXXI, Section XXXX, please provide the name and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send an update copy of my credit report after your reinvestigation Account name : XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX A NATURAL PERSON. EQUIFAX IS REPORTING INACCURATE INFORMATION ON MY CREDIT FILE. I DISPUTED THE INACCURATE ITEM ( US BANKRUPTCY COURTXXXX XXXXXXXX XXXX  BY CERTIFIED MAIL ( SEE EXHIBIT A ). THEY RESPONDED AND STATED THAT THEY ARE NOT CURRENTLY REPORTING THIS ITEM ( SEE EXHIBIT B ). BUT THEY ARE ( SEE EXHIBIT C ) THIS IS A VIOLATION MY RIGHTS PURSUANT TO 15 USC 1681 ( a ) ( 1 ) AND PURSUANT TO 15usc 1681 ( a ) ( 4 ).
Product: Mortgage

In XXXX XXXX I submitted a written cease and desist to nationstar which I also verified on the phone with them that they received. They continue to call my house for refinancing options but when they leave a message it says contact nationstar mortgage now concerning opportunities. So my XXXX year old mother has moved in with me due to health reasons and now i come home from work with her writing notes for me to call nationstar and since she has XXXX XXXX thinks the worst that the house payment is late. I am not eligible for a refinance on my current home ( which is at XXXX ) as I have already used the HARP program through Nationstar. I have other mortgages and I do n't get any other phone calls like this from other servicer. I have never been late, and I mean never! I worked in collections for another mortgage servicer and am aware of the rules surrounding CFPB and Cease and Desist and I am seeking damages per occurrence of XXXX. There have been close to 100 phone calls since writing in XXXX and confirming with them that they received my cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency ransunion, Equifax, and XXXX, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my report.
Product: Debt collection

This debt is not mine and it's holding me back from obtaining a mortgage loan. Please have it removed immediately
Product: Consumer Loan

I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. 

I 've made several calls to take possession of the title to management with no response.
Product: Checking or savings account

On XXXX I was scammed out of {$4500.00} by someone pretending to be USAA. They decided it was fraud on XXXX. Based on XXXX Pays evidence, they re-charged me {$4500.00} on XXXX. 

They are refusing to give me my money back. Even though I have a police investigation with XXXX XXXX Police Department case no XXXX. 

The bank wont talk to the cops. XXXX XXXX thinks I owe them money so they keep debiting my bank account. I even took my debit card off XXXX XXXX and they still charged me. 

XXXX wont help because to them the money is gone. 

Im out {$4500.00} due to financial bank fraud. My bank wont insure my money against fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance is incorrect XXXX XXXX XXXX should be {$730.00} balance
Product: Credit reporting or other personal consumer reports

The inquires below are fraud and needs to be removed from credit report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Certegy Payment Solutions had sent me my consumer file report and I have no negative information on file. This company is not letting me cash a refund check that I got from XXXX that is 100 % Valid, they even told me on the phone that i should be able to cash a check but it got denied and when i called them they said it can because " risk factor '' or the check is bad which isnt correct at all, I have attached file so you all can see the report from them i think they still have something in the background of their system thats not letting me cash checks.
Product: Credit reporting or other personal consumer reports

I have submitted information regarding my identity theft, Ive also request a block on my credit report TransUnion have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.
Product: Credit card

I made a payment of {$1000.00} on XX/XX/, to my XXXX Comentity Bank Credit Card. Comentiity initially stated they did not receive the payment ; therefore, I provided an electronic transmittal form from my Bank, XX/XX/XXXX, showing the payment was made on XX/XX/. Comentity Bank sent an email to customers on XX/XX/ stating their systems was down between XX/XX/XXXX to XX/XX/ and all payments that fell between these dates would not be liable for late fees. After approximately 12 communication attempts ( One attempt involved a 2 page letter along with 10 pages of documentation sent via hardcopy & registered mail to Comentity Bank ) between myself and my bank, the dispute has ended with the Comentity Bank stating they returned the payment to XX/XX/XXXX on XX/XX/XX/XX/2022 XXXXXX/XX/XXXX did not receive the payment and contacted Comenity to investigate the matter. XXXXXX/XX/XXXXs final determination stated Comentity bank reimbursed me for the amount. On XXXXXX/XX/2023 I contacted Comentity Bank and spoke to XXXX, the supervisor. I asked for the electronic transmittal documentation showing the payment was reimbursed to me and XXXX stated he would open a complaint regarding the matter and communicate with me via email or phone call. As of XXXX, no communication has been received and I still have not received a {$1000.00} reimbursement. I contacted the Comenity Customer Service team on XX/XX/and was directed to their website to submit an email regarding the matter. I provided yet, another email regarding the matter. It has been 478 days since I made this payment, and I have not received any documentation with a resolution from Comenity Bank.