23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted AES on numerous occasions to discuss my large monthly private school loan in an attempt to reduce the monthly payments. My monthly payment is XXXX and I can not afford this therefore I am late on the payment. Each time I contact them, I am told that there is nothing they can do for me except 3 months at a lower rate of XXXX but with a XXXX upfront payment which I do not have. I have been struggling with this payment and company for 6 years and they will not assist in any way. Because this is a private student loan they do not offer income based programs or any type of reduced payments. If I was a public assistance recipient I would not have this issue which I think is prejudice towards me. If I had known how this company deals with their customers I would have never went to college and obtained a XXXX XXXX. I would have been better off working at a local XXXX. I am very upset and discouraged with our education system and their unwillingness to help. my husband and I both work full time and have not been able to even purchase a home. My payment far exceeds what a mortgage would be. Again it is either pay this large monthly loan payment or do n't eat! there is no way around it. I have cosigners on these loans one of which is my grandfather who is XXXX XXXX XXXX, on a very tight monthly budget and AES constantly harasses him for the payment. I have requested cosigner releases many times but denied. I have other loans with ACS and I contacted them and they were able to reduce my payment plus wipe out the past due and start new in XXXX. I was on the phone with them a total of 10 minutes and it was complete. I was on the phone with AES for over an hour with no results or assistance. If XXXX can help why cant AES. I 'm not sure what can be done but I will continue to pursue this issue and contact my local representatives or whomever to resolve this. 
attended XXXX/ XXXX
Product: Credit reporting 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 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 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 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 XXXXXXXX XXXX 
15 U.S.C. 16815-2 ( 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 have an account with Bank of America. I never use this card account but a few months ago, I transacted on XXXX and didn't realize that this card was used for that purchase.

As I never use it, I didn't check the outstanding balance. The company never sent me a statement. They never called me about the balance. I realized about the outstanding only after they reported a 30 day past due to the credit bureaus and my FICO decreased from 794 to 650. I immediately made the payment. They reported me to the bureaus for a past due of
Product: Credit card

1stProgess has sold a debt and now I have a collection on my credit report for something I have never used. My grandmother gave my social out to a few people when I was young to illegally file taxes with me as a dependent and I have no knowledge of who it is. It maybe one of them
Product: Debt collection

Collection agency is claiming I owe XXXX for XXXX XXXX XXXX XXXX XXXX services. I have never had XXXX XXXX XXXX  at my home. I ask representative for validation and she stated no one signs for XXXX XXXX XXXX service. I would like this remove from my credit report because I did not open it. The representative stated that maybe someone else opened it at my home which is untrue because I'm single. Please have them seen me the original debt or where someone signed because I did not.
Product: Money transfer, virtual currency, or money service

Last couple weeks I opened an account with Laurel Road and set up a direct deposit amount of {$2500.00} into it. Days later I tried to send my money back to my external bank account but unable to access to my own money. I ended up added my external account as a payee and sent the amount to it. The transaction went through and I have got the confirmation code, but it been days and my external account still not received the money yet. I emailed the bank and asked about my situation but theres no response for days.
Product: Debt collection

To Whom This May Concern, A copy of the original contract or original purchase agreement that created the alleged debt If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership must be from the original creditor to the current alleged owner without any break in the chain.

Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

If any interest or fees have accrued to been added on the balance, please send proof that such proof that such fees are lawful and agreed upon in the original purchase agreement.

Proof that you are legally allowed to collect on alleged debts in the state of Florida, including your third-Party Debt Collection Bond. 
Also send proof that you sent the legally required notices to me before reporting to alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking you firm maintains. FTC v XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had wrong telephone numbers on my credit report removed. Don 't know how the information was entered and who entered it and would like to find out. I really have a credit report data breach on my personal information. In one of my addresses today I found my ss # exposed. Well even though, the dispute only allow you dispute if it is an apartment complex or single family. I dont know which creditor entered the info incorrect or who entered these addresses on my credit report. I really want to change my social security number and sue who ever is responsible for putting my personal info on a credit report. I would like all incorrect addresses removed from my credit report. I want to pay my creditors off sometimes I call collections and they are adding bills I dont know about. The last l was XXXX XXXX XXXX I called XXXX systems and in the credit report it said XXXX XXXX I paid more and disputed it. I just feel like this is continuing to be a major issue. According to my bank I have been on the dark web a few times. Please help with this investigation so I can move on with my life.
Product: Credit card

In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.
Product: Bank account or service

Hi - I am writing to complain about false advertising regarding a promotion to open a CitiGold Checking account. In XXXX I was offered a promotion via mail that I would receive XXXX AA Advantage Points ( XXXX XXXX XXXX XXXX is worth around {$500.00} ) if I opened a CitiGold Checking account using code XXXX which was entered upon opening the account online. After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I then met the requirements that I spend {$1000.00} in purchases during first 60 days and set up XXXX qualifying Bill Pay. 

I also confirmed with Citi representatives both that I met qualifications to be enrolled in the offer ( XXXX/XXXX/XXXX ) and that I had completed the requirements and should be receiving the points within 90 days of completing the requirements ( XXXX/XXXX/XXXX ). I have PDF 'd records of these chat conversations but threw out the original targeted offer. 

On XXXX/XXXX/XXXX I reached out via chat saying that my points have not posted and wanted to confirm I would be receiving them. I was told that an investigation will be opened. 

On XXXX/XXXX/XXXX I received a letter stating that my account promotional offer would not be given because there was not a targeted offer on my account even though I confirmed via call/chat that I was eligible for the offer and had met the requirements. I called Citi back and spoke to a manager that said that they would open another investigation and I would hear back by XXXX/XXXX/XXXX. It is past that point and I have not yet heard back. 

I have called numerous times and got nothing but a run-around. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. 

I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. I can provide PDFs of the chat records if need be. 

Thanks, XXXX
Product: Checking or savings account

On XX/XX/2023 my debit card was charged {$380.00} for XXXX 
I called XXXX and was provided proof another person bought tickets and used my email address which was hacked into. I called my bank to dispute the charge and provided proof of the name of the person who bought the tickets. Huntington has not provided a credit. They have actually said the company was authorized to charge my bank card.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an account that was not reporting accurately. I had a 30 days late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments and Ive attached a copy of my report to show the account and the dates ( XX/XX/year> ) for Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time. Thank you for your understanding and prompt action.
Product: Debt collection

since XX/XX/XXXX I recieved the following numbers XXXX XXXX XXXX XXXX scam XXXX XXXX XXXX XXXXcalls from XXXX XXXX XXXX XXXX XXXX XXXX bank card in XXXX XXXX XXXX XXXX XXXX paragon revenue group I filed for early XXXX  in XX/XX/XXXX and XXXX I was in a car crash last XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has used an address that is not mine. I have never lived at the address that is listed for this account. They also have not mentioned on my Experian credit report that this account has been disputed, which is a violation of the FCRA. The high balance is incorrect as well on this account.
Product: Credit reporting or other personal consumer reports

Hello, I need some help. Ive looked at my credit report back in the month of XX/XX/2023. And noticed some things are inaccurate. Per the FCRA when a consumer reporting agency prepares a report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These are the accounts of my concern are not complete and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Lastly, according to 15 usc 1681s-2 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. 
Ive attach the document ( I also sent a Picture of my identification/ssn and a utility bill to the consumer reporting agency ) I sent my letters several times via usps over 9months to the reporting agency, and over and over I keep getting this notification from them, with no results. We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. 
Ive called to see what is prompting them to keep sending me this letter/email and no one can seem to tell me.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You 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 can not 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 ) Applicability The 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 construction Nothing 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 AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL
Product: Debt collection

The company is called AmSher. They will not disclose what the debt is about or respond. They are now calling me at XXXX oclock at night. I asked them to stop calling. They also call repeatedly and on the weekends.
Product: Debt collection

Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved
Product: Credit card or prepaid card

capital one froze my card sent new card asking me to proof of who I am sent it to them and they ... cant get their act together I went inside a branch had their teller send the documents they asked for and they said they did n't get it spoke with XXXX XXXX XXXX branch number also spoke to XXXX would not give me her name badge # XXXX said my account will be frozen till I give them documents that I gave XXXX XXXX to fax
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

Unauthorized inquiries : XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting

same as i have been trying to get worked out, ex wife is upset over her having to pay me child support so her way of getting back is using my info to try and ruin my credit. STOP LETTING IT HAPPEN. 


XXXX Account Number XXXX -- -- -reports late thought its been years since this happened XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- -- -- -reports late though its been years since this happened XXXX XXXX Account Number XXXX -- -- -- limit is XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years go XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years ago XXXX XXXX Account Number XXXX -- -- -- lates from years ago Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown all of the payment statuses on these are PAID IN FULL XXXX Account Number XXXX -- -- -- -- - no balance
Product: Prepaid card

Direct Express continues to terrorize me. They sent me a letter acknowledging these transactions WERE UNAUTHORIZED. THEY WILL NOT RETURN THE MONEY TO ME. THEY KEEP SENDING ME LETTERS FRIM AN ADVOCATE XXXX??? IVE RETURNED HER CALLS SO MANY TIMES. THEY KEEP SENDING ME LETTERS SAYING THEY ARE TRYING TO REACH ME AND IF I DONT CONTACT THEM BY THE XXXX I CANT GET MY MONEY BACK. XXXX CONTACTED THEM 5 TIMES THIS WEEK. I HAVE WITNESSES LOOK THEY acknowledged that someone stole this money from me and that is since 2020. XXXX. Why are they terrorizing me like this WHY DONT THEY GIVE ME BACK THE MONEY THAT WAS TAKEN ALMOST XXXX DOLLARS MINUS XXXX. 

THIS IS PURE INSANITY. I NEED MY MONEY BACK TODAT XXXX XXXX XXXX XXXX ITS JUST THAT SIMPLE. I NEED THIS MONEY BACK AND XXXX XXXXM TORED OF THIS. XXXX  XXXX XXXX XXXX XXXX XXXX. ITS JUST TO MUCH. FXXXX XXXX XXXX XXXX XXXX JUST GIVE ME BACK MY MONEY TODAY. THIS IS JUST TO MUCH FOR MY XXXX. TO MUCH OF A FIGHT WITH THESE PEOPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX GIVE ME BACK MY XXXX MONEY!
Product: Checking or savings account

I am unable to access my PNC demand checking account, credit card accounts, and mortgage accounts via the PNC 's online portal ( website ). This a recurring problem and has been for years. Multiple complaints about PNC holding account access XXXX have not, as yet, been fruitless. 

PNC 's website demands that I provide its online banking system with my mobile number via a site-blocking pop up message. There is no option to decline, only to remind later meaning, at some point in the future I will again be denied access to my demand and credit accounts until I abide. 

PNC sends me texts. PNC branch personnel call to speak with me. PNC mortgage bankers call me. PNC robots call me to verify my identity. PNC has my mobile number. 

I do not want mobile banking. 

All PNC has to do to resolve this issue is make the website-disabling pop up a timed message.
Product: Credit card or prepaid card

XXXX is the bank for XXXX XXXX. 
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item. 
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner. 
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep. 
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited. 
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft! 
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX
Product: Mortgage

I have always paid my real estate taxes and mortgage insurance on my home. Ocwen once before tried to force me into a escrow account and I called and had it cancelled. They have once again did the same thing. They sent me a list of what I needed to do to cancel it. I did what they said and then they turned around and denied it and paid a back tax that they had no right paying. I handle that myself and now because of that, I once again owe them money and they are saying I can not cancel the cancel that escrow. My wife was on the phone with them for over an hour telling them, that we know all about the lawsuits against them and the sanctions that were placed on them for this very thing. She also informed them that if she did not hear back from them that a complaint was going to be issued. Every other year they are adding an insurance policy to my account when I handle my own insurance policy through XXXX XXXX. Its a battle to have that taken off my account even after my agent calls them and sends them the proof that I have insurance. Its a nightmare dealing with this company with all the sneaky things they do.