23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am attempting to pay off my student loans in full on aidvantage.gov. 

I have made the minimum payment for the last 5 years, and now want to pay off the full amount of the loan. When I make the payment, Aidvantage accepts the payment and says my loans are at {$0.00}. Aidvantage states that the " payment has posted '' a day later and sends me an email confirming so. Then several days later, Aidvantage reverses the payment and doesn't process it, after it has already posted. I contacted Aidvantage customer service, and they told me that they " couldn't find my bank account ''. The bank account numbers are accurate, as I have confirmed this several times. The Aidvantage portal even recognizes the bank account, because it named the bank company ( XXXX XXXX  ) in the account, without me doing so. 

I have contacted my bank and they told me that Aidvantage never contacted them or tried to make the payment request. 

Aidvtange is now charging me late fees on missing this new month 's payment, after rejecting my last two payments to pay the loan off entirely. I have read online and have spoken with several friends who have had similar experiences. Where Aidvantage won't accept their payment until they file a complaint. Once they filed a complaint, it went through. 

I attempted to pay the loan off entirely on XX/XX/XXXX. I received confirmation that my payment posted on XX/XX/XXXX. I got a reversal notice on XX/XX/XXXX. I attempted to make the payment again on XX/XX/XXXX, it was rejected on XXXX. I spoke with their customer service between XX/XX/XXXX and XX/XX/XXXX. 

I received late fees on my loan for missing my payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted the requirements to put a security freeze the my children 's credit for Equifax. My mailed request was based on the Equifax online form and additional documentation from the website guidelines. 

On XX/XX/2023 I received notification that Equifax is refusing to put a security freeze because they " require additional information. '' Equifax does not clarify what additional information was needed so I called their number and spoke to a representative. The representative said he had no way of telling me what information was missing. He listed off what Equifax requires and his list did not match the website. 

Equifax is failing in their government mandated responsibilities. I submitted similar documentation to the other credit agencies and there was no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same incorrect address on both Transunion and XXXX multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help
Product: Checking or savings account

I submitted a dispute regarding charges from an online gambling website that had closed my account and refused to return my remaining balance. Despite providing ample evidence to support my claim, ChimeXXXX repeatedly declined my dispute as well as my rebuttals. Additionally, the merchant involved did not respond to the dispute at all. This lack of response indicates that ChimeXXXX did not conduct a proper chargeback process or investigation, and instead chose to deny the claim as a matter of convenience. I recently submitted a complaint regarding Chime, and their response indicated that, based on the evidence provided, no errors were found. However, the merchant involved in the dispute did not respond at all. I am seeking clarification on how this situation was resolved without the merchant 's input. 
I attached documents showing that I was the only one submitting evidence and yet the claim was decided against me!
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late payment records on my report dont reflect my typical habits. Please update accurately.
Product: Credit reporting or other personal consumer reports

It has come to my attention that CONN APPLIANCES INC Management are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy twice that is reported in my credit file and asked for the information to be verified. I provided proof to Equifax that the method used to allegedly verify the item was invalid. Equifax states bankruptcy information was obtained from XXXX. My XXXX report is not reporting a bankruptcy ; therefore, Equifax is in violation of the FCRA 623 ( a ) ( 5 ) validating information from the original creditor. Considering the information indicates a CLEAR FCRA violation, I need all bankruptcy information currently showing under my social security number be PERMANENTLY DELETED from my credit report immediately. Attached is the 2 most recent investigation results from Equifax and the page from my XXXX XXXX report that shows no bankruptcy reporting, My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. 

The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 

Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX  acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself.
i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information.
thank you
Product: Checking or savings account

To whom it may concern Hi my name is XXXX XXXX XXXX XXXX, O traveled to XXXX in XXXX for two weeks and i had several problems with my debit/credit visa card from bank of america. 

A few times i used card and the monitoring transactions from bank of america locked my card a few times causing me public embarrassment and hardships due to not able to pay for what The services i was purchasing. Only after calling bank and put on lengthy holds it would be unlocked. 

After it id be always nervous if card would work or not. 

On the evening of XX/XX/XXXX i was out and went to a few places in XXXX XXXX XXXX where someone that worked at one of the establishments ive been seemed to have used my card for a number of transactions. About 24 of them. 

I received alerts later on that day stating for my surprise that my balance had dropped. I called the bank again and it seemed to be ok. 

On the morning of the 23rd i took my flight back into the United States and on that day I received an email stating i had {$3500.00} witch made me believe Everything was fine. 

I had debit card with me and used for my basic needs once in XXXX, fl. no problems at all untill on the XXXX where it was declined again. 

I called the bank they said my balance was now - {$2500.00}!! 
I checked my online banking and notice the fraudulent transactions 24 of them. Called back the bank and open a claim. 

Claim was then denied on XX/XX/XXXX as the bank claimed the transactions were fine and payment should have happened. 
The Bank said but it wasnt me. 

Claim total is about {$4900.00} Bank said i took too long to file claim. Well i was only aware of it on the XXXX and did it that very day. Transactions happened on the XXXX so that was 7 days. Federal law covers costumers for up to 60 days after fact.

Claim is now reopen after calling and calling and humiliating my self over and over where they say im the responsible that i have to monitor my account this that. They claimed to be monitoring it. They dis put 3 blocks on my card during the trip for very small transactions but they didnt went it was charged for 20 plus times minute after minute for way larger amounts that my spending pattern shows. Not only that my account was then overdrawn to about {$200.00} with returning fees included.

Where is my security where is my protection what do i do now?

Anybody can use this cards. Nobody ids u and no pin number is necessary crooks know it bank of america knows it but ITS MY FAULT ALONE. 

Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute an account on my credit report since XX/XX/2021. The first the creditor verified the account as accurate however would not provide me with any additional information. I submitted additional disputes on around XX/XX/2021, XX/XX/2021, XX/XX/2021. I also mailed in supporting documentation via USPS certified mail on XX/XX/2021 and it was delivered on XX/XX/2021 XXXX. After I dispute it shows on my account when i log in and then after a week or so it disappears. I'm tired of getting the runaround for this dispute and would like a status asap.
Product: Credit reporting or other personal consumer reports

Please review and remove this account from my report as this is an incorrect and false representation of me. I dont have any accounts with this company as of XX/XX/2024 I saw that XXXX XXXX  was trying to collect for XXXX XXXX please review and remove, I have reached out to the collections company to request written notification as it was never received. 


Thank you,
Product: Credit reporting or other personal consumer reports

I am sending this request to formally dispute the accounts that appears on my credit report. These accounts are incorrect, and I request it immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within XXXX days. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXX Balance : {$340.00}
Product: Student loan

I made my monthly payment with AES 2 days before due in the amount of {$50.00} and received my confirmation email with transaction code. 2 weeks later I got an email back that my payment was returned. I made the payment again and same thing. A week ago I tried AGAIN and today received the same message. They told me it takes 2 days to process payments but they are not processing them at all as I have had plenty to cover the charge and it never is taken. Now they're putting my loan in default when it's them refusing to accept the payment.
Product: Money transfer, virtual currency, or money service

My purse was stolen from my vehicle which had all my credit cards and DL and SS card, several accounts were opened in my name, and used.
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 has violated my rights. 

I was looking at my Experian credit report on XX/XX/year> and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I am writing to address the issue of willful noncompliance & negligent noncompliance by TransUnion LLC under 15 U.S. Code 1681n & 15 U.S. Code 1681o in which the consumer reporting agency even after receiving my previous instructions still ignored my request, knowingly, willfully and with negligence failed to comply. On XX/XX/XXXX, I sent by certified mail ( tracking number # XXXX XXXX XXXX XXXX XXXX ) instructions and authorizing Transunion LLC to remove and/or delete specific inquiries from my consumer report and file associated with my SSN and File Number, as defined in 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( O ) ( 2 ) ( D ). The inquiries to be removed are as follows : XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As per my instructions, these inquiries were to be removed immediately upon receipt of the notice and no later than 5 business days following. However, as of XX/XX/XXXX, TransUnion has not followed my instructions, continues to remain non-compliant and is continuing to violate my privacy rights
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I purchased XXXX XXXX XXXX from Best Buy. When I went to pay for the products, the sales associate informed me about the Best Buy credit card. There was a considerable push by more that one of the sales associates to open an account, stressing the advantages of the program, one key one being the ability to earn Best Buy rewards on the purchase. As it was a significant purchase, the rewards were roughly {$200.00}. So I agreed to open an account. 

Several issues that were concerning to me arose during/after the transaction which I wanted to bring to your attention : 1 ) At the time of application, I was told I could use the rewards immediately. I wanted to add a protection plan to the XXXX and apply the Best Buy rewards to that purchase. After the credit card application was submitted and approved, I was then told that I could not use the rewards immediately toward that purchase today. I told the sales associates that was not what they just told me and they said that they were sorry for the miscommunication. 

2 ) Around XX/XX/XXXX, I was concerned that I did not receive the Best Buy credit card in the mail. I called Best Buy customer service and learned that the card was mailed to the wrong address. Upon investigation, the sales associate at the store put in the wrong address on the credit card application unbeknown to me at the time. Needless to say I was greatly concerned about potential fraud if the card got lost in the mail and someone stole my identity. The fraud unit at Best Buy did place a protection hold on the card so that I had time to retrieve the card from the incorrect address it was sent to. I was ultimately able to locate the card, and then had the protection hold removed. But the mistake never should have occurred in the first place. 

3 ) On XX/XX/XXXX, I went into a Best Buy store ( not the original one where I purchased the TV ) to make a purchase and to utilize my Reward certificates. The product purchase was for a XXXX player at {$74.00} ( plus tax ). When I went to utilize the certificate, the manager at the store told be that since the cost of the XXXX player was less than the Rewards certificate, they would not honor the rewards certificate. ( By way of background, when the original purchase was made, two {$100.00} rewards certificates were issued. ) I asked the manager if he could break the certificate into {$50.00} components so I could at least use part of the reward toward the purchase ( and I would pay the balance in cash ) and I was told that he ( the manager ) had no authority at the store level to do that and that would require me to call Best Buy directly and make the request. He also advised it could take up to an hour to make that happen. As I did not want to wait that long, I did not call Best Buy. Instead, I added some small purchase items to force the total to exceed {$100.00} so I could use the reward. This wasn't the solution I was looking for.