23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted your company before with a complaint about AES. The last they spoke to me they informed me that they would send out papers that i could fill out for XXXX in a hope that my loans would get forgiven as i can not work. They have done nothing at all. I then tried to contact highcliff trust who owns the debt. They seem to not even exist! I can not find any information on them and AES gave me a phone number that was not even real. THEY ARE CROOKED AND NEED TO BE SHUT DOWN BUT NO ONE DOES ANYTHING!!!!!!! My next step is to contact eh attorney general of my state and speak to a lawyer as talking to aes myself has gotten no where.
Product: Credit card or prepaid card

On XX/XX/2019, a payment was scheduled a day prior to the due date in the amount of {$340.00}. I received a confirmation email at XXXX XXXX stating that the payment will be posted on XX/XX/2019, which is my due date. 

At this time the information reported to bureaus is that the payment is late. There was no late payment made, and all funds were collected.
Product: Debt collection

I have been negotiating in good faith with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX. XXXX XXXX XXXX refuses to send a statement confirming the amount that I owe. I sent them an EOB last month ( XXXX 2015 ). Only to discover that my case had been sent to collections. Peerless Credit Services, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX.
Product: Debt collection

I sent a request that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, Thank you. 


DELETE THE ACCOUNT
Product: Debt collection

I have no bidding contract with Midland XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX MIDLAND FUNDING XXXX Amount {$980.00}
Product: Money transfer, virtual currency, or money service

I be am willing and normally express my concerns regarding zelle XXXX as flinging dispute
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX Reported on XX/XX/year>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/scrub>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.
Product: Debt or credit management

I was taking part of JG Wentworth Debt Consolidation Program. I had had several times where I would try to contact about issues, with no resolution. I was so fed up with lies I was told from their representatives, from where they told me I could change my payment process and it wouldn't hurt my program, to where I have had to contact creditors on my own to settle a collection agency from suing me. I got to the point where I was able to provide the payoff amount that was provided to me. I made the payment at the end of XXXX in XXXX payments. I was advised by the representative that once the payments were in my account, then they would begin to contact the creditors and negotiations would start. I was told by the representative that this process would take about XXXX weeks to complete. We are now 2 months later and I still have open creditors, that are still showing another month unpaid and hurting my credit. There customer service team is not trained very well. If you look through all of the call logs, I have been told that they have no management that takes calls from clients. But that I would get a call back. I have never received a call back from any management representative since I have started this program. I am at a point where I just want to have resolution of graduating the program. I would never recommend this company to anyone with all of the bad experiences I have encountered with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : 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 lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : 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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019RESURGENT CAP SRVCS LP Reported: XX/XX/2019Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious RESURGENT CAP SRVCS LP Reported: XX/XX/2019I have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX because is the Account Status section of this listing. XXXX is reporting that it is a Open Account. However, XXXX   and Experian is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported that this company is using a false " opened date ''. They are not allowed to use the date that they purchased the delinquent account, as per federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my consumer report, I noticed that Credence Resource Management has placed a collection account on my consumer report. I have not received a call or correspondence from your company before or after the collection account appeared on all three major credit agency reports ( XXXX, XXXX, and XXXX ). Therefore, I wasn't allowed the opportunity to dispute prior to Credence Resource Systems violating my consumer rights, grossly misrepresenting my debt, and defaming my character.
Product: Debt collection

Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account. 

On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX. 

Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining. 

PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining. 

When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.
Product: Mortgage

Back in XXXX 2015 i started a loan modification through my servicer Seterus who handles my mortgage for XXXX. I was approved by Keep Your Home California in XXXX 2015 for a principal reduction and was approved for {$84000.00} reduction was was sent to Seterus in XXXX for them to recast my loan. As to date they have not applied the funds nor recast my loan. I call on a weekly basis like they tell me to. I have spoken to numerous people and have asked for a single contact person that know whats going on and they told me that they can not do that. I have asked to speak to someone in their hardest hit department and they tell me i can not speak to someone their that they will put notes in the computer requesting an update. I get numerous responds in the mail with different programs they can offer me but nothing about the recast. I got a letter XXXX/XXXX/15 & XXXX/XXXX/15 that i was approved for a modification through the XXXX who i called that told me that they do n't service my loan, on XXXX/XXXX/15 received a mortgage Trial offer that would raise my interest rate and make my loan 40years, i keep getting a suspended account statement showing my {$84000.00} that keeps going down but nothing being applied to my loan, on XXXX/XXXX/2015 i received a letter stating i was denied a loan modification, on XXXX/XXXX/15 received an escrow account statement showing a shortage. I really do n't know what to do, I am at a lost please help
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance of {$290.00}. I attempted to use this card on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.
Product: Credit card or prepaid card

I am an American Express Gold cardmember and one of the benefits of the card is earning 4x points while dining at US Restaurants. Ever since this benefit was added to the card, I have had issues with earning points at certain restaurants ( XXXX, XXXX XXXX, and XXXX ). Even though the merchants I am having issues with are all properly categorized as restaurants on my statement, they only earn 1x points. As of my XX/XX/XXXX statement, this problem affected a total of {$210.00} in transactions. 

I have been in contact with American Express 6 times regarding this issue and it has not yet been corrected. Dates of contact, representative info, and their responses are below. 

XX/XX/XXXX XXXX advised it was too soon to submit a ticket on the issue and to contact them back in a few days. 

XX/XX/XXXX Initial ticket opened with XXXX for XXXX and XXXX XXXX. 

XX/XX/XXXX XXXX advised XXXX had been corrected in their system and I was issued a credit for the missing points. Their back office did not address XXXX XXXX. New ticket was submitted. Was told issue would be resolved in 7 to 10 business days. 

XX/XX/XXXX Deadline for resolution passed with no action. XXXX advised to call back after XX/XX/XXXX statement points were pending and they would put in a new ticket. 

XX/XX/XXXX XXXX put in a new ticket for XXXX XXXX, XXXX, and 2 transactions at XXXX that were not fixed previously. I was again told 7 to 10 business days for resolution. 

XX/XX/XXXX Still no action on prior ticket. XXXX added new transactions from XX/XX/XXXX statement into ticket. She blamed prior lack of response on sometimes getting backed up with cases. I was again given a quote of 7 to 10 business days for resolution. 

It is now XX/XX/XXXX, and I still have not received my missing points or heard anything from American Express. Due to their lack of action, I am opening a complaint with the Consumer Financial Protection Bureau. 

I am attaching a full list of the transactions that are missing points as well as screenshots from my statement showing that all 3 merchants are US Restaurants. 

Thank you for your attention to this matter.
Product: Student loan

I have consolidated my federal and FFEl loans on XX/XX/26 with XXXX XXXX and applied for new Save plan to lower payments. I was told we will be placed on administrative forbearance until the consolidated is complete. However in XXXX I was charged for XXXX dollar by Nelnet. I called XXXX they told me to call Nelnet to request a refund I was on hold for almost 3 hours with Nelnet and no one could help me I talked to specialist lady and she said she cant process a refund since administrative forbearance is only for 60 days! They told me because the consolidation takes longer than 60 days payments will resume! And they will not be able to put me on administrative forbearance!! And they will put me on regular hardship forbearance and my account will show past due! Please have Nelnet refund my XXXX payment and put me back on Administrative forbearance not hardship forbearance. We should not be charged any payments until the consolidation is complete and new SAVE payment is calculated. I do have voice recordings of conversation in case evidence is needed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX i contacted COLLINS ASSET GROUP Collections whom was contracted by a finance company ( XXXX XXXX ) i owed {$2200.00} whom Obtained my Car Title from the Lean Holders after i had paid the Vehicle off in XXXX of 2020. XXXX @ XXXX is who i've been corresponding with over the phone @ Collins, i exlained that i understand they were holding my car title & i want it so lets make arrangement for me to pay, we ageed i would pay {$70.00} a month auto withdrawn from my chkg acct until the debt of {$2200.00} is paid & we hung up, {$70.00} was withdrawn @ the end of that same week, the following wk i called XXXX back because {$70.00} isn't enough & i didn't want them in my acct that long so iasked if we could make a different arrangement of {$1500.00}, sure she said, so i said {$130.00} bi-weekly & she said Ok for 6 months & it would total {$1500.00} she said & i greed & asked her to send me something in writing stating the agreement we made & the amount for me to pay & she said she can't change the statement amount but the agreement amount of {$1500.00} is in their system. ( she was very nice & convincing & willing to work with me on {$1500.00} agreement so i took her word & didn't pressure on the statement issue ) & the bi-weekly paymnt started to be withdrawn regularly until i got a insufficient fund in XXXX, so i called XXXX about NSF & she said No Worries you get no penalties, so i said can you put that payement at the End? & she said yes & i said thank you & can we resume withdrawals on the following payweek? yes again & we hung up then in XXXX the 2nd withdrawn for that month i got another INF, so she called & told me i got to many NSF 's & she can't hold the agreement of {$1500.00} anymore, i said to her that she never stated any of this to me & then she started to get really Nasty & told me i had to start all over again with payments & that i still owed over {$1300.00} & when i question her about all the payments i had made already & that she is sounding like i didn't have an agreement & she is charging me the full {$2200.00} she told me she really didn't have to make an agreement with me & that she was doing me a favor & that i had only made 2 payment because i broke the agreement twice.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be resolved. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPB ). Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and its regulations. These actions have caused me significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.