23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Experian still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXX is excellent payment And they did not report my account ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, XXXX I discovered the online lender, XXXX The company advertises a simple loan process with quick funding. I applied for an unsecured personal installment loan in the amount of {$2300.00} and was approved. Funds were deposited the next day on XXXX XXXX, XXXX into my checking account. On XXXX XXXX, XXXX I was reviewing my checking account and notice an XXXX debit in the amount of {$200.00} from Credit Ninja? Wondering why a debit would occur 15 days post funding I returned to the CreditNinja website to locate my loan documents. Loan documents are not provided to the borrow but reside on the CreditNinja website. From the website I learned that the loan of {$2300.00} included an undisclosed fee of {$110.00} and a repayment schedule of {$200.00} semi-monthly at 198 % interest? None of this information is obvious during the online loan process. If this information was clearly stated on the front-end through the CreditNinja website I would have never agreed to the above terms. CreditNinjas advertised, streamline loan process is purposely built to hide fees and excessive interest rates. This lender is not transparent. In addition, CreditNinja uses a rent-a-bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to skirt state laws capping personal loan interest rates. I am embarrassed and feel taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I needed some quick cash for groceries and gas. So I was applying for a payday loan and got contacted by Post Lake Lending. They said I was approved for {$700.00}, but when the APR was disclosed they were deceptive in how they disclosed it. They said something along the lines of " your interest is going to be XXXX XXXX XXXX XXXX '' with no decimal point added. I figured XXXX  % APR not XXXX % APR, which is what I'm paying. When I noticed this I started inquiring with lawyers, which was in the past week or XXXX. However, I received an email today saying they are going to garnish my wages if I didn't pay them within 10 days of receiving their email, which was today. It's not even about the ridiculous interest rate - It's about how it was disclosed and led me to believe I was paying XXXX % less in interest.
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX by account XXXX ( XXXX XXXX ) as well as on an app called XXXX under the same alias. I was also contacted via text message ( detmined to be text now accounts ) from these numbers : ( XXXX ) XXXX, ( XXXX ) XXXX I was asked to send pictures for money as a weekly agreement and I agreed to do so, as i have in the past with other people and not had any issues. Then I was given contact information with " account manager '' XXXX XXXX ( XXXX ) and emailed a check for {$3700.00} and asked to transfer back {$2000.00} ( using the app Zelle ) to the account of XXXX XXXX ( XXXX ). 

I transferred back {$1000.00} on XX/XX/2021 to the aforementioned account. The check was deposited via mobile deposit on XX/XX/2021. 

The check was then determined to be fraudulent and the {$1000.00} transfer had already gone through resulting in a overdrawing of my account. I have filed with the bank but, there is nothing they can do except for put in that the account wa a fraudulent account and I am still held responsible for the {$1000.00} transfer as well as now getting involved in an investigation for money laundering which I am not doing. ) and ive since been in contact with the aforementioned people and they just keep saying its not fraudulent. I am now overdrawn with a frozen account and a 6 month holding of 7 days for every deposit lock, in the middle of a pandemic, while I am not home because I am in U.S. XXXX and stationed elsewhere than my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court though a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Experian a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Experian sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called hem after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.
Product: Debt collection

I contacted YCCS A National Collection System on XX/XX/XXXX, at XXXX XXXX. It was regarding a past due amount letter they had sent to me ( dated XX/XX/XXXX ). I informed them that I previously spoke with them 14 months prior. That was on XX/XX/XXXX, at XXXX XXXX. I informed a person named XXXX that 14 months prior I had requested a copy of the contract, or binding agreement, with XXXX XXXX XXXX XXXX. I made a request to a collector at YCCS A National Collection System who was identified as # XXXX. I was never provided a copy of the contract with XXXX  XXXX XXXX XXXX by YCCS A National Collection System. The collector referred to as # XXXX said in a recorded call that YCSS A National Collection System would mail me copies of my contract with XXXX XXXX XXXX XXXX. The contract was never sent to me. XXXX informed me that the contract was mailed to the address they have on file. I asked XXXX if they had proof that they had mailed the contract I had with XXXX XXXX XXXX. XXXX stated in a recorded call that they could not verify that the contract was mailed, but it was mailed, and I would have to check with my postal service. I informed XXXX that it would be unprofessional and negligent for YCCS A National Collection System to send me a copy of my contract without some type of letter indicating what was being sent to me, or at least a letterhead of some type. I also informed XXXX that I doubt they would just send me a contract copy without explaining what was being sent. XXXX informed me during the recorded call that when YCCS A National Collection System sends documents like contracts that they at least provide a letterhead with the documentation being sent. I said that should be enough to prove that that the contract was sent. That is why I do not believe they mailed the contract to me. I informed XXXX that I do not believe that YCCS A National Collection System followed through on the request I made to # XXXX on XX/XX/XXXX, to have the contract sent to me. I never entered into a contract with XXXX  XXXX XXXX XXXX, I informed XXXX and YCSS A National Collection System. YCSS A National Collection System failed to send me what I requested of them ( the contract ). They also never made contact with me in a 14-month period, after I made the request for the contract with XXXX XXXX XXXX XXXX . I also am requesting prove that YCSS A National Collection System notified me of the debt in the appropriate timeframe and am still waiting for a debt verification letter I requested.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went online to the Equifax website and as I was logging in I got till the end of login page it gave me a number to call I called the number, it ask to enter in all the correct information as I entered in all the correct information it told me that it would send a code to my phone the code never came, so it sent me to a questionnaire that had nothing to do with my report information/all information was wrong and incorrect so then it sent me to an agent as I spoke with the agent the agent told me that he couldn't do anything until I send in my 3 pieces of identification. When at the end of the day it clearly verified me over the phone and said it was going to send a text message to the phone on file which is my primary phone number my initial reasons for even going online was too dispute some items, I'm pretty skeptical about Equifax and sending them my information because it was stolen/ breached from this company in the past
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX I was contacted by telephone by an agent of Inbox Loans saying that I had been chosen and approved for a loan of {$5000.00} dollars. I was explained that such a loan would help me raise my credit history. I went ahead and filled out their application online. I spoke with a man named " XXXX '' who understood my XXXX. I was then told that the loan amount I was approved for was {$500.00} dollars. The amount which they asked for in interest shocked me and I did not wish to go through with their proposal. At the agents insistence I was then explained that if I accepted a loan in the amount of {$200.00} dollars my interest payment would be {$45.00} dollars, and that my payment would be {$240.00} due within 90 days. I was explained that this would help my credit score rise. I was explained that I could start off at {$200.00} dollars at the above interest and then in time qualify for a larger loan about 1 year later. I was explained that the term of the loan would be 90 days. I agreed. 

My first payment was at an interest rate of {$60.00} dollars and the contract had been put through for 1 year, not the original 90 days. The company began deducting payments from my bank. I called them to explain that no such agreement was what I agreed to and that they had recorded my calls and therefore should review the calls to see that the error was theirs. Thus began the odyssey of unreturned calls, charges which continually exceed the time frame and interest rate I agreed to. To date the company does not return calls. I have left multiple calls and none have been returned. I have sent them emails and none have been answered. They have damaged by credit file and have extorted money from me under false pretenses. I am asking for assistance in this matter as I speak XXXX  and feel that no one can help me. The company does not respond. It doesn't seem to be a legitimate enterprise and I am very worried.
Product: Debt collection

XXXX XXXX  with subsidiary loan companies ALL LISTED or hired XXXX XXXX XXXX XXXX  unknown location RUSHMORE LOANS XXXX ( sold " certain asset recovery to XXXX  '' after CFPB sanctions causing confusion and take overs to achieve unlawful XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX attorneys, debt collectors, government employees, government offices, government officials, government resources to file for XXXX of property without due process, any monitoring or regulatory civil penalty relief as ordered by CFPB to XXXX XXXX XXXX XXXX hired RUSHMORE LOANS to DEBT COLLECT ON IDENTITY THEFT FICTITIOUS LOANS without any monitoring or regulatory services in Florida and will not honor civil penalty relief for victims to swiftly use government employees and courts to unlawfully seize property or sell for low sales to " highest bidders '' that are usually XXXX XXXX  or subisdiaries. 

XXXX XXXX and subsidiary Rushmore SOLD their asset recovery accounts to XXXX XXXX  ) has struck a deal to acquire certain assets of XXXX Rushmore Loan Management Services LLC XXXX The deal, announced Monday, will result in XXXX XXXX XXXX XXXX acquiring Rushmore 's servicing personnel. The transaction is expected to close in the fourth quarter of 2022, subject to regulatory approvals.XXXX  XXXX, 2022
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

Ive been disputing inaccurate/ wrong/ error information that is being reported on my XXXX Credit Report XXXX 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking XXXX to do the same so that all three bureaus are reporting the same accurate and true information. 

I want XXXX to take note of what XXXX has done upon completion of their investigation and I hope XXXX can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking XXXX to do the same!
Product: Student loan

XX/XX/XXXX : I called XXXX XXXX customer service due to not being able to complete my IBR renewal online following submitting for a name change. The online system had not updated my last name from marriage and their online system reflected that I did not have any student loans to renew. I spoke with customer service about my concern submitting this renewal prior to my due date. The customer service representative told me that I could submit my photo ID to the upload box online and that if my IBR was a little late while the name change was processed that this would not be an issue. I uploaded the required documents on XX/XX/XXXX following my phone call. 

XX/XX/XXXX : Called XXXX XXXX with concern that name change was still not reflected and I could not complete IBR renewal as my account was still not reflecting having any loans in my name. Customer service agent told me that the name change request was never submitted and she then said the best I can do is mail you a paper copy for your IBR renewal. It will take 7-10 business days. I requested it be sent out and reiterated my concern of completing on time. 

XX/XX/XXXX : received copy of IBR renewal. Submitted online on XX/XX/XXXX. 

XX/XX/XXXX : called and spoke with customer service following notification of upcoming payment due on XX/XX/XXXX in the amount of {$700.00}. Customer service representative, XXXX told me that my IBR request was approved but not until XX/XX/XXXX. I relayed concern with previous calls and asked for this to be changed. XXXX reported that she could put in a request to review my account but that a name change isnt a good excuse when the renewal is available online. I asked XXXX to please review the information listed about my previous calls. XXXX told me that the review would take 7-10 business days to review. I responded that this would take me to the due date of my XXXX payment and asked her to expedite the request. XXXX advised me to suspend my payment or apply for forebearence. XXXX stated that she would try to expedite the review.
Product: Checking or savings account

In XXXX XXXX I was hired as a Manager for a company that sent me a check in there name for about {XXXX} and I decided to open an account at Santander Bank in my local neighborhood and requested that they check out the check for me and if it was good to place it within my bank checking account if it cleared, where this was a new company that I was not familiar with. 

They decided to follow through and opened the account and told me that it would take ten days for the check to clear but had told me that I would have to open an account and deposit physical cash in it, which I did for {XXXX}. 

After ten days I had n't hear anything back from the bank in regards to the deposit of the check and when I went to make a withdraw from the bank on the check, they told me that my account was closed and they never told me for what or sent my deposit back since then. 

I never pursued it after that and realized the check I had deposited must had been bad but I decided to open an account again after a couple of years had passed in XXXX of this year and told the rep of the problem I had with the bank a couple of years ago and spent well over two hours seeking to clear whatever issues they had with me and my account and I thought we had a understanding and was going to make a new start, so I again opened up an account and placed another deposit of XXXX to do so and was given a online banking account with new account numbers and after a couple of days had passed, I logged onto my online account and was ready to transfer funds from another company that I performed work for and found that I was on block and when I called the customer service they gave the run around for a good minute but after my persistence after several tries and days had passed that it was the XXXX XXXX issue that they had decided to close my account that was XXXX XXXX, XXXX and that they would send me my deposit back via mail, where it is now going on a month since they closed my account and never sent me my deposit back. 

Which I ca n't understand why they would close my account in the first place for a bad check that someone else wrote, where I had always been in good standings with other accounts I have had over the years with other banks and had paid many bank fees over my many years, where I also believe that they are real crooks and out right have chosen to take people money for their own and are the ones that ca n't be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit card fraud. I was notified by  XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   the bank representative informed me that a person or persons unknown to me opened  XXXX  credit card accounts in my name.  XXXX  card was opened at the   XXXX   XXXX  . The  XXXX   XXXX  card is backed by  XXXX  bank. The second credit card was opened with  XXXX . On  XXXX / XXXX /  XXXX   I contacted all  XXXX  credit bureaus. On  XXXX / XXXX /  XXXX   I went online and received a copy of my credit report from  XXXX  and  XXXX . I tried to obtain my credit report  from Trans Union but  after entering all of my information I received a message that said I could not receive a copy of my report because I ha d two open  disputes. On  XXXX   XXXX ,   XXXX   I made several call s to Trans Union and requested a copy of my report because I was the victim of cr edit card fraud. I also told the person I was speaking with that a  XXXX   XXXX  from the  XXXX   XXXX  police department had told me to get copies of my reports from all  XXXX  credit reporting ag ency 's. After speaking with 2 supervisors at Trans Union I was told I would have to wait until the 2 disputes were investigated. I was told that by law Trans Union has up to 30 days to complete their   investigation. I explained that I could not wait 30 days and needed my report ASAP. I was told the only way to get my report sooner would be to dro p the 2 disputes I filed. I said this is crazy. I just need my report so I can see if there is any suspicious information in my report and that I need a copy for the police department. Trans Union ref used to provide me with a copy of my report even though I was a victim of credit card fraud. This is not fair and it should be changed. Victims of credit card fraud should be giving their credit report upon request even if there is a current open dispute.   I have been very sick with   XXXX   XXXX   XXXX  for a few years now. All this has been very  XXXX  for me. I have had to spend many hours on the phone since this happened.
Product: Checking or savings account

I had my tax refund deposited into my Wisely checking account on XX/XX/XXXX for amount of XXXX wisely allegedly rejected the deposit saying they don't accept deposits of more than XXXX which was not there policy at all upon the time I picked this bank for my refund to go to they lied and said there was no deposit limit..I was not even notified via text or email that it came and was rejected ... I want to report that Wisely stole my deposit it's been 4weeks and IRS still has not received this deposit back and wisely was the last entity to have my funds ... .the XXXX is gone never given to me or returned to the original depositor irs the claim no responsibility and my funds are gone..I closed the account today XX/XX/XXXX for fear of future funds being stolen as well i want my funds recovered from this bank irs XXXX send a replacement check until XXXX gives them my funds back...
Product: Credit reporting or other personal consumer reports

To whom this may concern, My personal and financial information was compromised without my authorization.

The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.