23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been sued and summons to court by XXXX XXXX XXXX XXXX. They tell me that they need money from me but cant explain how they got my loan. I took a loan out with XXXX bank for XXXX XXXX in XXXX. These people does not and has not showed how they got my loan. I went to court judge ask have you ever went to college I said yes he said well the debts valid. Ok if its valid can we prove how these people have rights to collect? And why hasnt chase sent me something? And why did it take nearly 8 yrs before these people came about? The judge did not want to hear any of my questions nor did he want these people to explain to me. I am up to XXXX XXXX plus at of 2 yrs ago it was XXXX XXXX how on earth did this happen? And how is it logical? And okay to do people this way? .the documents they showed the judges was my name on a list of I'm assuming it's my name with hundreds of others name. And they said this is how we own your loan and all these others. XXXX XXXX XXXX XXXX XXXX is definitely trying to cause me to go homeless and my children ripped from my arms because I do not have the necessary funds to take care of my children when having to be asked to pay XXXX month. Who are these people and why is this happening to me? I went to court in XXXX for this loan and here I am facing garnishments bank levies after things have been taken I'm notified. I've had tax intercept. I am so confused and need help to beat this case once and for all. I know these people are scams I know they are trying to XXXX the life out of me. I am trying to be a successful member of society. And if ever two yrs I'm tracked on nearly 10 grand to the balance. This means it will never end. I dont have this type of money. XXXX is suppose to sue or someone should show me where it was sold to this company with rights to ownership. I need help. Bad for this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, Experian, XXXX and XXXX XXXX on XX/XX/XXXX and I confirmed all three bureaus received them on : Experian Tracking : XXXX Delivered XX/XX/XXXX, XXXX XXXX Tracking : XXXX Delivered XX/XX/XXXX and XXXX tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Product: Prepaid card

I received two American Express Gift Cards as holiday bonusesone for {$250.00} and another for {$200.00}. When I attempted to make an online purchase on XXXX, I was notified shortly afterward that my payment needed to be revised. I verified that I had entered the correct card details and attempted the transaction again, but it still failed. 

To troubleshoot, I tried using the second gift card, but I encountered the same issue. Concerned, I checked the balances of both cards on the American Express Gift Card balance website ( XXXX XXXX XXXX.amexgiftcard.com/ ). Both cards displayed a status of " ON HOLD '', instructing me to contact customer service. Additionally, under the transaction history, it showed that my XXXX purchase had been declined by American Express. 

I then called Amex Gift Card Customer Service to inquire about the hold. After providing the representative with the necessary card details, I was informed that both cards were placed on hold to prevent " fraudulent activity ''. However, the only transaction I attempted was a legitimate purchase on XXXX, a widely recognized and trusted retailer. Rather than allowing the transaction or verifying the purchase with me, AmEx immediately placed my cards on hold and blocked further use. When I asked if they could remove the hold, I was told that they had no way to do so. Instead, they disabled my cards and stated that they would issue replacement cards. 

After my cards were deactivated, I attempted to check their balances and transaction history again on the Amex Gift Card website, but I was no longer able to access them. At no point during the call did the representative inform me that deactivating the cards would prevent me from viewing this information. Had I been made aware of this, I would have asked for alternative ways to confirm my balances and track the status of my replacement cards. Now, I have no way to verify the remaining funds, confirm the deactivation, or ensure that the replacement process is actually being carried out. 

Additionally, when I requested a confirmation number or any method to track the shipping status of the replacement cards, the representative claimed that they did not have a way to provide that information. This further exacerbates the issue, as I have been given no assurance that my replacement cards are actually on the way or when I should expect to receive them. 

After researching more about this issue online, I discovered that many other consumers have reported similar problems with American Express gift cards over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX still shows on my after i recevied a letter from the company that it would be removed from my credit report
Product: Checking or savings account

Starting XX/XX/XXXX, I have been denied depositing a pay check for no reason. The first check I was told to have replaced, after 2 weeks of fighting my employer they finally replaced the check. I tried to deposit the new one and it was also denied. I contacted customer support and was told to try and deposit the check in person. I endorsed the check to Chime ( bank ) already and was denied depositing the check. Ive been in contact on multiple occasions with customer service and nobody will tell me why I can not use the checks. I can not replace the check a XXXX time as the employer believed I was committing fraud for needing a replacement the first time and its been over a month of this. I have called and emailed Chime many times over the past few weeks and they had me going in circles and are now not responding to me at all. I havent spoken to a single person that works for the bankthey all say they work for the app. Nobody has told me why I cant deposit the checks. I need this money to keep a roof over my head and feed myself.
Product: Checking or savings account

My XXXX XXXX account was placed on a restriction without notifying me of any reason why after being able to access and use it for months without any issues before this incident. Now after calling and constantly trying to get the situation resolved it seems as if they just plan to deny me access of my funds without having been notified of the restriction that was placed on my account or any reason as to why it had been placed the account to begin with. After numerous attempts of trying to contact XXXX XXXX/SoFi and speaking with numerous representatives they haven't given me any reason why a restriction was placed on the account but they are constantly asking me an XXXX XXXX XXXX man to try and follow some steps in order to verify my identity which I have tried and their system can never seen to work correctly and verify me. When I opened the account I didn't have a single issue with identity verification in fact they also asked a few questions only I can answer in order to verify my identity and everything seemed to go along pretty smoothly for a while until XXXX day they just decided to restrict the usage of my account to me without notification or explanation as to why this had been done. Being an elder and trying to use this new technology to the best of my ability has really began to take a toll on me because you have to understand that things aren't as easy for me as they once had been and I have grown agitated and irritated because this issue has persisted for far too long and I have done everything in my power to resolve this problem but it seems to me that they are not concerned with fixing this issue and would rather hold my money XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15.usc 1681 section a : states I have a right to privacy.15.usc :1681 section 604a : section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have been working with Edfinancial since XX/XX/XXXX to submit a fraud request to the Department of Education for loans that were opened in my name as a result of identity theft. I emailed Edfinancial on XX/XX/XXXX at XXXX providing them with a police report as well as other documentation, they claimed the department of education will need 3 months to review documentation. 

I received a call earlier today XX/XX/XXXX from Edfinancial ( representative XXXX XXXX claiming that they denied the fraud packet because they could not read the police report, they claimed the whole page was black. Edfinancial previously stated that they submitted the fraud packet to the department of education. I am not sure if the document was submitted to the DoE since this is at least the second of third time that I have resubmitted documents over email that are clearly legible. 

I am attaching the police report here and would appreciate it if someone can confirm if the fraud packet was submitted as well as confirm why Edfinancial is negligently delaying this fraud investigation, if the documents were blacked out why didn't someone address this months ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns home plus is reporting a late payment for XX/XX/2020 when in fact I paid them 2 payments in XXXX. This needs to be removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Equifax and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Equifax. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to Equifax stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Equifax ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Checking or savings account

The M & T BANK HAS RETURN A CHECK THAT WAS ALREADY DEPOSIT AND CASHED IN MY CHECKING ACCOUNT DUE TO A MISSING SIGNATURE FOR THE HOMEOWNER WIFE. I DEPOSIT THE CHECK ON XXXX XXXX AND THE CHECK WAS RETURNED XXXX XXXX. THE CHECK THAT WAS BEING RETURN CAUSE MY CHECKING ACCOUNT NEGATIVE XXXX. IM NOW BEING HIT WITH FEES AND ALL MY SUPPLIER ARE NOT PAID. I WENT TO THE XXXX BRANCH TO ASK HOW CAN THIS MATTER BE FIXED. THEY STATED PLEASE GET THE WIFE TO SIGN THE CHECK. T WENT TO HOMEOWNER AND OBTAINED THE WIFE SIGNATURE AND RETURN TO THE BANK TO REDEPOSIT THE CHECK. THE BANK MANGER XXXX STATED SHE CANT DEPOSIT THE CHECK. I SAID WHY DID I TAKE OFF WORK TO COME BACK DOWN HERE TO GET THE SAME RESPONSE AS YESTERDAY. XXXX THE BRANCH MANAGER WAS THE PERSON TO INITIATE THE DIRECTION THE SAID I NEED A FORM FROM THE BANK THAT THEY MAILED TO ME. 
I NEED THIS MATTER EXPEDITED AND RESOLVED ASAP THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ACIMA CREDIT XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a payment of {$4000.00} to my upgrade account using my XXXX  XXXX XXXX checking account. I woke up this morning and it was pulled from an unverified account XXXX XXXX  on my account. How is this possible if I was told by XXXX in the customer advocacy team I cant make payments using that account until I sent a statement of recent use and it even shows unverified the account. This caused problems with my checking account. I called XXXX and the representative XXXX was nasty like always. When I had an open case before I got her and asked to switch which is how I got XXXX because of how nasty she is. Today she refused to help me or even pass my information to XXXX or let me speak to her manager XXXX. The service with this company is a disgrace. It became a joke to XXXX when I kept calling back to ask for her supervisor and she kept allowing the call to escalate instead of trying to deescalate it. I even advised her XXXX told me to give her a call back if there was any problems with this issue. XXXX advised me to put this complaint in and I shouldnt be talking to that department. Unreal how rude and belligerent she was. I told her if she wasnt happy at her job she should get a new one. I find it hard to believe she is the front line in a sensitive department like that!!! I would like a call back asap!!!
Product: Credit reporting or other personal consumer reports

I request that all three credit bureau investigate and remove all hard inquiries from my report. I am a victim of identity theft/fraud due to credit breaches that occurred, and I was not aware are notified of these breaches. Due to breaches my personal information has been used improperly, make it hard for me to receive any assistance needed. These are the false inquiries, and dates they were filed in my name, as followed. 
XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX  XXXX - XX/XX/XXXX All listed I ask that they be removed immediately. These are actions of fraud. I have no acknowledgment of any company listed. Under state laws 15 USC 1681b ( 2 ), 15 USC 16811 ( q ), 15 USC 1681c-2
Product: Checking or savings account

Good Day Please be advised that Bank of America is not complying with reversing legitimate fraud charges. 
In my case though they acknowledge the charges arent valid they refused to credit it back because it was reoccurring for XXXX XXXX 
( These charges are from XX/XX/XXXX - XX/XX/XXXX ) Im certain they have made this exception in other similar circumstances and I believe class and perhaps race prevents them from honoring my proven claim. 

In addition to this, there service is horrendous in that you cant even get a email response from what is supposed to be their escalations team. 

Ive sent numerous emails and was eventually told Bank of America does not send external emails ( thus no response ) They have turned back the hands of time and request customers fax in there information. 

I actually went to my local branch to have my supporting documents faxed only to wait to be unseen by the XXXX XXXXXXXX. I was eventually given her business card only to discover the voicemail name for the corresponding number did not match. 
I nevertheless left a message and have not received a returned phone call. 
Im certain if I were a prominent figure this would not be happening which leads me to XXXX Bank of America ethics.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
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. 

XXXX XXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
XXXX 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 an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT COLLECTION SVCS ( Original Creditor : XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

LJ ROSS Associates is reporting an outstanding balance on a collection to XXXX XXXX XXXX XXXX This account has been paid in full and a pay for delete was negotiated. attached is confirmation that the account was paid in full but LJ Ross Associate is still reporting the outstanding collection and not living up to their end of the pay for delete agreement this is incorecct and needs to be removed immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transworld Systems Inc for an account that was in their office on XX/XX/2020 in the amount of {$920.00}, At that time I paid the account in full in the amount of {$920.00}. The representative that I spoke with XXXX XXXX stated that once the account is paid I will receive a paid in full leatter on XX/XX/2020 and the credit report will be updated on XX/XX/2020 in which this account would be Deleted from my credit file. The account is still showing on my credit report. The balance is {$0.00} but, the account should not be showing on my credit file. 

Thank You,
Product: Money transfer, virtual currency, or money service

I tried removing cards from XXXX  and paypal prior to them being charged and they refuse. There were unexpected errors on the account when i tried to sell and cancel the listings. Because XXXX and paypal do not provide phone support when calling to challenge these errors. It refers me to online. Online it is saying error, when accessing the account for the past month or so. I can not actively dispute fraudalent XXXX transaction and sellers fees because of such. This is a unique issue but yet another request as well to not charge my account and to actually provide phone support. It is my opinion XXXX, paypal have passed judgement on me unjustly bc of this glitch and intentionally frauded my account by not allowing me to respond to time sensative cases. Resulting in loss of monies and unjust obstruction both civil and criminal offenses as a servicer. Please assist and do not allow ebay or paypal to continue to rob and smear me bc of lack of required support. 
( 1 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$28.00} USD ( 2 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$280.00} USD Please do not charge the above or anything else to the account as repeatedly requested. Also remove them from the file. Provide a written response to all the concerns and a supervisors phone number to discuss with going fwd if error are made. Please provide a refund of anything above if already charged. Please provide clear phone support and allow me to address, reopen the other disputes as explained i was denied this bc of a technial glitch and niether company offering phone support bc of covid19. Shame on you both, I am a shareholder as well in these companies. Please remedy the above incrued fees asap and refund if they were charged bc of the fraudalent servicing as explained.