23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

EdFinancial has been unresponsive with handling my repayment plan update application, XXXX loan forgiveness application, and request for status updates. 

XXXX : XX/XX/XXXX : XXXX Loan Forgiveness Application submitted to Edfinancial. Response received, stating " Please allow approximately 30 business days for processing and we will notify you if anything else is needed. '' XX/XX/scrub>XX/XX/XXXX : SAVE repayment plan application submitted through studentaid.gov, which should was sent to Edfinancial. 

XX/XX/scrub>XX/XX/XXXX : No response or update about the XXXX Loan Forgiveness Application or SAVE plan application. 

XX/XX/XXXX : SAVE repayment plan not processed by Edfinancial. Loan repayment requirements re-started by the Biden administration. Balance began to build on my account because of the delay in having the SAVE repayment plan application processed. 

XX/XX/scrub>XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/scrub>XX/XX/XXXX : SAVE application and XXXX Loan Forgiveness Application resubmitted through Edfinancial website. Neither were processed in XXXX. 

XX/XX/XXXX : SAVE application finally processed and applied to my account, but now I owe an unaffordably high balance that should not even be a balance, because of the multiple month delay in Edfinancial processing my SAVE plan application. No update in the XXXX Loan Forgiveness Application. 

*Mutiple calls were placed to the customer service phone line, each with a hold time over 200 minutes, never successfully connecting with a customer service representative.
Product: Mortgage

Regarding alleged XXXX  payments. Loan number XXXX I am XXXX XXXX XXXX birth name XXXX XXXX. The legal.owner of the property listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am not sure how or why Bank of America could have issued a loan after a previous XXXX caused by my parents which caused me to purchase the home in XXXX 

I didn't sign a loan my XXXX  had no legal ownership of any property at that time other than XXXX XXXX XXXX XXXX XXXX  at the time of the loan. 

Bank of America has refused to show proof of legal the loan was granted legally. To properly owners.
Product: Payday loan, title loan, or personal loan

I am being charged a fee on a line of credit I was not made aware of. Additionally, I am concerned that other fees will be fabricated and applied to my account. 

The line of credit is through Green Bear of California ( dba Crestline Finance ).

The line of credit was processed by a payday lender XXXX XXXX ( store address XXXX XXXX XXXX XXXX CA XXXX ) I went to the lender for a payday loan and was offered a line of credit. I had to pay a fee between {$35.00} and {$40.00} to print the check which was for {$300.00}. 
Additionally I was charged {$33.00} interest. 

I was told when payment was due and how much. 
I received no paperwork and was not told at any point about a set up/maintenance fee. 
I was not told that I had to call to close account. 
Aside from the line of Credit tag, the transaction was presented as a payday loan. 

I paid the the principle and interest on the due date. 
The associate I spoke with never mentioned that any other payment was due. 

I am afraid I will not be able to close this account and that I will be hit with more made up charges. 

This business, and the network of payday lenders they use, are manipulating women and men taking out payday loans and exploiting the fact that the individuals taking out the loans think they are the same as a payday loan. 

My borrowing {$300.00}, when desperate, cost me {$370.00} plus the surprise maintenance fee and however much it will cost to close the account. 

Additionally, the associates at the payday lender I went to, XXXX XXXX, are very clever in how they present the info to you. 

The document you sign is on a small screen device and looked like any other payday loan document. 

You are told that info will be emailed to you. 
The email you receive is a link to a website that requires an ID number that you are not given ... unless you know to ask the associate at the counter. 

You the borrower wont find out about the fees, and that this is an ongoing account, until you get a call, like I did, a week after paying off your loan. The associate calling you will politely remind you about your upcoming payment. You will likely wonder what the associate is talking about. 

A half hours later you will be mad and looking up Crestline Financial online and you will find a lot of people who were suckered too. 

Then you go to the CFPB. 

I will likely pay these conmen, but hope no one else gets mislead like I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling Capital One Auto Finance and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called Capital One Auto Finance numerous times and have received no help with this matter
Product: Credit card or prepaid card

I never activated a credit card that was established through XXXX XXXX ; and the name in which the credit card is established is inaccurate ( so I am not sure what type of onboarding and KYC processes they have that it would not identify this situation ). I never activated the card or processed any charges to such card given that the account is not even in my correct name ; yet they proceeded to charge me an annual fee and begin late charges against an annual fee. I have since closed it as I felt that was the only way to stop the issue from continuing ( however, it was never activated or used to begin with ). I am attempting to resolve the annual fee and late charge issues - however, there is no way to establish contact with them to discuss the above without setting up a mobile account which I do not want to do. Their phone line leaves you in a dead end. As such, conveniently enough there is no way to resolve the above situation.
Product: Debt collection

[ XX/XX/20 ] [ Transworld Systems Inc ] [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Re : [ Account number XXXX ] Dear [ Debt collector name ], I am Submitting a complaint about Transworld contacting me about collecting a debt. contacted me by mail, on [ XX/XX/20 ] and identified the debt as my responsibility. I do not have any responsibility for the debt They're trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I want them to Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop my collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I DISAGREE with the accounts listed below which STILL appear 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 number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : Upstart Account number : XXXX Account name : XXXX Fed XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX  and Equifax is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, still have the following Inquiries and accounts on my credit report. 
Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Checking or savings account

I really don't remember the dates it was last year, all I know that bank put a flag on my account and told me that I owe them over {$4000.00} dollars. I was trying to get a loan with this loan company and they was asking if I get test to transaction. First they sent {$1700.00} to my XXXX XXXX which was link to my bank. They ask me to return it to them for testing. They repeat that with {$1700.00} saying they was paying insurance fees for getting so much money at a time. So now I can't get no bank account open because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ I recd order from Macys for {$390.00} returned XXXX days later. Sometime later I was notified that my account was past due. No statement recd. I called and late fees and interest charges were reversed. I assumed XXXX balance. I requested statement but No statement recd. I had used Star Rewards when I made my purchase online but instead of crediting my account the reward amount of {$10.00} was added as a charge. Subsequently I have carried a balance past due on my account since and still no statement unable to resolve. Credit score reduced from XXXX to XXXX because of Macys error. They are refunding all late charges etc but Citibank refuses to correct my credit history.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues.

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 an
y 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct XXXX  Comenity Bank		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached identity theft report XXXX. XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b
Product: Debt collection

I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.
Product: Debt collection

I have been in private litigation with XXXX since XX/XX/year> ; this dispute has requested evidence proving that I owe a debt they think I must pay. A XXXX representative called my phone and stated that I owned my vehicle! How do I pay for a car that I own? XXXX counsel received my response to their letter on XX/XX/year>. However, I received an email on XX/XX/year> stating, " Payment is needed on or before XX/XX/year> to prevent your vehicle from being assigned for repossession. '' Not only is this threat to put me and my family in a dispossession of what is ours a constitutional violation, but it is also a violation of the FDCPA. As a consumer and creditor under the FDCPA, I have invoked my rights to the information I requested to no avail. XXXX has harassed, abused, and attempted to oppress me by way of threats, obscene language, and harassing me on the phone. XXXX has engaged in deceptive acts to threaten to take legal action, seize my property, and imply that I have committed a crime. It has been unfair that XXXX has continued throughout private litigation to collect any amount from me, threatened to take nonjudicial action depriving me of my due process, and use language in which is in connection with this debt collection. XXXX should know as a debt collector, they have no standing to take any legal action against me & any payment foregoing is not an admission of liability.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Transunion Credit reporting agency asking them to please validate the XXXX  XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. 

On XXXX XXXX I was sent an updated Transunion Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. 

On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. 

I have yet to be provided with that information and the debts still remains on my credit report.
Product: Credit reporting or other personal consumer reports

In compliance with FCRA 605B, incorrect accounts should be removed from my credit report. Can you examine the documents? Some accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

The primary purpose of this complaint is to notify the CFPB that Experian offers no way to speak with a live person to correct incorrect profile information ( in the Experian system ) that prevents one from retrieving or changing their password on Experian website. In my case, I forgot the password for my Experian account and attempted to retrieve or change my password by logging in through the alternative means Experian offers -- either getting a code by text or call to my cell phone or submitting my birthdate and cell phone number. The code or call never came despite repeated attempts, and the website repeatedly said my birthdate and cell phone number did not match their records. The only way I was able to speak with a live person was by calling a business client tech support number on the Experian website and, after holding for over XXXX minutes, getting a tech support person to explain to me how to get around Experian 's automated phone menu by inputting incorrect information. I spent several hours on hold trying to solve this problem, including my final call to Experian. In short, Experian fails to provide adequate customer service to the consumers whose data Experian collects and maintains.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Transunion on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law 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 name : XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX has violated my rights. 
I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Checking or savings account

On Sunday, XX/XX/year>, I received a call from an individual claiming to be from Squares Fraud Department. The phone number displayed on my caller ID appeared to belong to Square Inc., making the call seem legitimate. The representative stated that they needed to verify my identity due to suspected fraud on my account and asked me to confirm a two-step verification code. Shortly after complying, {$2600.00} was fraudulently withdrawn from my account.

I immediately contacted Square to report the fraudulent activity. Square responded by placing my account under review for 24 to 48 hours. However, as of XX/XX/year>, my Square account has been closed, leaving my remaining funds inaccessible. In addition to the {$2600.00} stolen by the perpetrator, I am unable to access other funds in my account due to the closure, leaving my money in limbo.

When I contacted Square for further assistance, I was informed that the issue would need to be escalated to a higher department. I was also told the dispute was closed in favor of the perpetrator, despite clear evidence of fraud. This has left me frustrated and without answers regarding the recovery of my stolen funds or the balance still held in my closed account.

Unathorized charged amounts : {$1000.00} {$990.00} {$770.00} Squares lack of accountability and resolution in this matter has left me no choice but to file this formal complaint. If this issue is not resolved promptly and all of my funds returned, I will escalate the matter further. 



Thank you for your attention to this matter.
Product: Debt collection

I have disputed this account several times and National Credit Systems continues to report false information to the CRAs. Litigation will be my next step if this account is not removed from the CRAs. I have provided ample proof to this company that this debt is not valid.The only information they have provided is an invoice from the original creditor that states I did not provide 60 day notice to vacate and also several line items of charges that were paid when rent was paid during the months listed. Tenants were not allowed to carry balances month to month so these charges are false as well as the document. I have submitted my signed copy of the notice to vacate form and XXXX has chosen to ignore the proof that this is not a valid debt.