23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I settled the rest of my private student loans with Navient and paid {$15000.00}. The transaction was received but Navient never sent me a Finalized Settlement Paid in Full Letter. It has been almost a year and the account is still showing as open and payments past due. Additionally, the private loans that are still showing as past due are all the loans referenced and specified in the settlement offer letter ( which I paid in full and on time ). Since the end of XX/XX/XXXX I have been calling and speaking to different Navient representatives and transferred to different departments explaining the situation. I emailed the XXXX XXXX  Team twice ( on XX/XX/XXXX and XX/XX/XXXX ) and no one replied. In one of the phone calls I was told to contact the Navient Customer Service Advocate team if the situation was not resolved by XX/XX/XXXX ( I would receive an email of the Finalized Settlement Letter ). When the lady from the Advocate Team called back I was given the main number to the private student loan department, which is one of the numbers I had already. In my final attempt I emailed the Advocate Navient team on XX/XX/XXXX. All I am asking is for my Finalized Settlement Letter paid in full AND for the account to be officially closed.
Product: Payday loan, title loan, personal loan, or advance loan

We took out a personal loan with Regional Finance in XXXX  for {$5000.00}. We received a letter from Regional Finance to increase our loan amount to {$7000.00} which we took advantage of to pay down credit cards etc. We didn't realize it at the time but our loan was re-written with all interests added into the loan so the new loan amount included interests that would have been paid throughout the loan. So this loan became a {$13000.00} loan @ 36 % interest. 

We were making payments and have been making payments to our account as per the contract. Until we fell under hardship and asked for a hardship consideration. 

Regional Finance offered us a hardship condition loan by reducing our interest rate to 32 % and removing all my insurance and protections from the account so I no longer have backups or fail-safes for loss of income on the loan. 

My wife has lost her income so we have lost XXXX of our income and have once again asked Regional Finance for assistance. 

They have decided that the best they can do is lower our interest rate to 27 % and lower our monthly payment by {$20.00}. Ok however they are DEMANDING that the offer is ONLY VALID IF I AGREE to AUTOMATIC WITHDRAWLS from my CHECKING/SAVINGS accounts. This is duress and highly irregular. I can make my payments by them contacting me if need be to make the payments. I DO NOT NEED TO BE ON AUTOMATIC PAYMENTS to agree to a hardship loan. This only sets me up for a potential massive banking catastrophe. 

To add to the shady dealings with this company. Nothing they do or say is in any form or writing. They will not communicate via email and they do not send or keep previous contracts available for my review. 

This company is not doing business on the up and up and is fleecing the public of New Mexico. 

They have put my back against the wall and a XXXX XXXX XXXX XXXX demanding I give them access to my bank account. I made the mistake of borrowing from this predatory lender. I recommend that no one else make this mistake and that someone should look into the dealings of this company.
Product: Credit reporting or other personal consumer reports

I am contesting the inclusion of this bankruptcy on my credit report because the filed and reported dates, along with the closing dates, are not in alignment. This is deeply concerning since I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further complicates the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.
Product: Consumer Loan

Phone XXXX XXXX Acct. # XXXX XXXX for a payoff amount for an old car loan ; number shown on credit report is Allied Fin ( XXXX from XXXX XXXX XXXX. Each time I speak with someone at that number, the person on the other line can not verify the account. I challenged XXXX to verify the account, which they respond to say it was verified. When I ask for the number they used, it is the same number to Allied Fin., but when I call Allied Fin., they can not locate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE.

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$7900.00} XXXX XXXX XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX to united funding logistics for credit repair services. 
I have been a customer for going on XXXX months. I have yet to receive any response on anything that they have done. I havent received any updates, improvements, removals on credit reports. They claim to be a credit dispute company but they dont dispute any issues unless you pay for another service to provide them with reports. That information isnt told to you up front. They charge a fee then if you dont do leg work to send them all the information they do nothing for you after they take your money
Product: Checking or savings account

TD Bank offered a {$400.00} bonus for opening a new XXXX Checking Account. I did this and met all of the other requirements of the offer, yet they refuse to pay the bonus. They have stonewalled me for weeks on my follow-up efforts. They have lied and deceived me.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX -- {$760.00} REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be transunion and XXXX  that they could not remove the inquiries.
Product: Debt collection

I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I have asked Paypal repeatedly to send a check to my confirmed and verified address. They have refused to do so. 
XXXX XXXXMultiple emails, phone calls, and online messages with Paypals customer service alternated between saying I need to add a linked bank account in order to receive a check ( I did so, but was still not able to receive a check ) ; and saying that there was a " known issue '' with check requests that they would look into resolving as quickly as possible XXXX XXXX-I contacted the Minnesota state attorney general 's office for assistance. They sent a letter to paypal, and I received a response from " XXXX XXXX  in escalations '' stating that I needed to link a bank account to my paypal account in order to be issued a check. She ignored the fact that I had already completed this step, and was still not getting my funds via check. 
We responded to XXXX XXXX 's email with this information, and have heard nothing further from paypal since XX/XX/2021. My funds remain online with no way of accessing them.
Product: Money transfer, virtual currency, or money service

My sister and I went to a salon named studio elements it was recommended by multiple friends who have had services done by the hairstylist. My sister and I both booked the service after exchanging dms. The amount I had to send to hold the appointment was {$200.00} through XXXX ( chase bank ). This is standard for a lot of private business. Her account is very active and she posts multiple clients on her story and page. We waited in the salon & she was running late. She kept up us updated throughout the time we waited with explanation as to why she was late. After waiting XXXX hours we realized that something was off & ask one of the salon workers if they knew her. They let us know that she no longer works there & that the same thing happened last week to another client. The XXXX was sent to XXXX XXXX. After speaking to the bank I was told they filled a claim but never received the email or heard back from the claim. They told me to contact XXXX directly & XXXX told me they could not do anything that it was up to my bank. Overall nothing has been done.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity so why is XXXX reporting a date last active as of XXXX, while Equifax reports a date last active as of XXXX? Both are untrue, and inaccurate! This account is to be removed from my credit report due to FCRA violations. The correct information is below. I will be keeping record of our correspondence for court records. Also, I have proof from XXXX XXXX  that the information being reported is inaccurate. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Balance : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error in my credit report. After reviewing my report, I noticed that an account under my name [ Account Number : XXXX ] is reporting a late payment, which is incorrect. I have attached a copy of my credit report highlighting this discrepancy. 

I would like to clarify that I made all payments on time, including the one flagged as late in XX/XX/2023. Consumer reporting agencies are required by law to report information accurately, and this account has not been delinquent. I am now requesting an immediate investigation of this account. Please provide verifiable proof and records that show a late payment on my account. If no such records can be provided, I respectfully request that this late payment be removed from my report and that my account be updated to reflect that all payments were made on time. 

Thank you for your prompt attention to this matter. Please notify me when the correction has been made or if additional information is required.
Product: Debt collection

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent accounts immediately.
Product: Money transfer, virtual currency, or money service

Im unable to connect my account to a payment app called XXXX. Ive tried to find other ways to resolve the situation but it seems like many others have algae this problem for several months. Will this be resolved soon?
Product: Payday loan, title loan, or personal loan

This company advertises a comprehensive credit review for the loan process, including educational level attained. But what they really do is rely on the 3 main credit bureaus to generate a score. And then they make a decision based on this score of XXXX minimum. No where in the application process did I see this. If I did, I wouldn't have bothered applying. Im the victim of ID theft, so it is hard to unfreeze my scores from the 3 bureaus just to have my credit checked. And also, because of the ID theft my score isn't very high. I have to close fraud credit lines, remove them from my record. It hurts your score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH THEM.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which qualifies as XXXX  under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts and inquiries from TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX   proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK  documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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

TRANSUNIONS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to TRANSUNION. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.
Product: Credit reporting or other personal consumer reports

To my absolute surprise, I found inaccurate accounts on my credit report today, and I have no idea where they came from. I check my report regularly, but this time there were random mistakes Ive never seen before. I tried refreshing my screen, hoping it was just a technical issue, but it wasnt. I need the documents I provided to be thoroughly examined so I can avoid this anxiety in the future.
Product: Payday loan

I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between XXXX-XXXX. They called me at XXXX XXXX. on Friday morning. I told them the same thing. They called again at XXXX XXXX. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I filed a complaint with the TN Dept of Financial Institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has 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