23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Edfinancial is my XXXX XXXX servicer. Asked for Covid pause refund for payments made during the pause. This was in XXXX. The request was processed in XXXX. That means the money was put back on my balance and starting accruing interest. I still have not received the refund 5+ months after requesting. 

When I call them they dont answer for hours. Or put me on a list to call back which they sometimes do. But when they do call they dont know anything about where the money is or why they are ILLEGALLY charging me interest on the money I never got back. They say its a fed student aid issue and they cant track the payment, nor do they have any idea when Ill receive it. Over $ XXXX they have no idea. Now if Im late on making payments for money I owe them, they will make my XXXX XXXXXXXX.Sounds about right. 
I find it hard to believe that the Fed can issue Covid Stimulus checks to hundreds of millions of people in a matter of weeks, but federal student loan REFUNDS take an indefinite amount of time and nobody can track the payment after processing. Makes me a little concerned anything is being handled correctly in regards to my account.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

As of today, I have not received a statement for my car loan.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware XXXX XXXX  account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You XXXX are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness. 
Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.
Product: Money transfer, virtual currency, or money service

Around XXXX on XX/XX/XXXX, I was drugged, assaulted & robbed by an unknown individual. This individual was able to steal my unlocked phone given my state and used it to access my bank information ( Wells Fargo ) & XXXX XXXX. Among other things such as signing up for new credit cards and attempting to make thousands of dollars in purchases via my XXXX credit card ( which were denied ), the thief used XXXX XXXX  via the Wells Fargo debit card stored in my XXXX XXXX to transfer {$1300.00} to himself across XXXX transactions. In addition to this, he transferred {$3400.00} to himself via the XXXX function in the Wells Fargo app. He also moved thousands of dollars from my savings account to my checking account in order to get more money out of the account. The morning after the incident I took all necessary steps ( reported this as fraud to Wells Fargo and opened claims, closed my existing accounts and opened new ones, locked down my credit report, cancelled my chase credit card, filed a police report, etc. ) On XX/XX/XXXX I was informed via mail that the XXXX transactions were being dubbed by Wells Fargo as done by me or someone authorized by me, which is not the case. The claims were denied and the case was closed. They have stated the XXXX XXXX transactions are yet to be completed but they expect them to be approved and paid out as finalized shortly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. GM FINANCIAL Balance {$32000.00}, as well as XXXX XXXX XXXX balance {$73000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

Experian XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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: Debt collection

On XX/XX/2020 I called to scheduled for furniture leased to be picked up from my prior residence. Since then I have received constant run around from this company starting with an employee named XXXX XXXX. Every pick up that was scheduled resulted in no shows from the start. I even reached out several times to the company picking up the furniture who repeated failed to do so wasting my valuable time. This went on for at least two weeks of verbal and email communication until the end of XXXX. The end of XXXX I received an email for a settlement and called the company regarding it. I ended up settling for XXXX XXXX and XXXX dollars due to I was sick and tired of the repeated lack of customer service and unprofessional-ism. Again, I was paired up with Mr. XXXX XXXX whom never advised me of a XXXX XXXX dollars fee and charged my bank card without my knowledge. I called back once I notice the fee and was refunded. However, this employee is extremely incompetent that I have endure constant suffering and anxiety as this would go against my credit. Today, I was notified by a credit alert this account has gone against my account. Prior to me stopping payment because they were suppose to pick up this furniture my account was never late and always on time. This company has now jeopardized my credit history and causing me financial suffering. This company is a scam and is continuing to ruin people financially after sending me a settlement and accepting my offer of payment.
Product: Money transfer, virtual currency, or money service

I'am writing to express my concerns regarding zells handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit card

I seen online where you could contact the credit card company and request financial help when it comes to making payments or request a settlement or them to drop the interest rate for a year to help their customers pay back the balance owed. They refuse to help me and I am a single mom that is struggling. They have already lost me as a customer because when I first got the card and it was strictly through Walmart I NEVER had this problem. I am paying over the minimum amount and getting charge half back in interest which will make the balance impossible to pay back. I have been paying on my balance since LAST XXXX and my balance has not changed hardly at all and I have not used my card at all because I've been trying to pay it off.
Product: Debt collection

On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and now I request legal action to remove this account immediately.
Product: Checking or savings account

I've experienced unauthorized transactions from my XXXX Checking account related to Best Buy. XXXX transactions of {$50.00} each have been observed, totaling {$450.00} deducted without my authorization. These transactions were recorded on : XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX I realized that when I received a supposed unpaid bill from Best Buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only employer is XXXX XXXXXXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit card

Subject : Request for Reinstatement of Account since XXXX and Refund of Cashback Dollars Dear American Express Customer Service, I am writing to express my concern regarding the cancellation of my American Express XXXX XXXX account ( ending in XXXX ) with membership since XXXX and to request the reinstatement of my account along with the return of my unredeemed cashback dollars totaling {$96.00}. 

On XX/XX/XXXX, upon reviewing my credit report, I discovered that my account had been canceled due to inactivity. I immediately contacted your hotline at XXXX and was informed by XXXX  XXXX that a case ( # XXXX ) would be opened to reinstate my account as I had not received any prior notification via mail and had missed the XX/XX/XXXX reminder email. I was under the impression that an exception would be made, and my account would be reinstated. 

However, on XX/XX/XXXX, upon following up, Supervisor XXXX ( XXXX : XXXX ) informed me that my case had been rejected and there was no possibility of reinstating my account or refunding the {$96.00} cashback dollars I had not redeemed. I was also informed that I had previously been given incorrect information and should have been notified of the denial immediately. 

Given these circumstances, I respectfully request a reconsideration of my case, taking into account the lack of proper notification and the incorrect information provided by your representatives. I believe that reinstating my account since XXXX and refunding the unredeemed {$96.00} cashback dollars would be a fair resolution to this matter. 

Thank you for your understanding and prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Address : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company is a RIP-OFF! They charged me outrageous fees and interest, and also every time I made the required minimum payment, it was as if the loan amount never decreased ( payments barely covered the interest ) leaving me with a balance more than I actually borrowed. I was contacted by mail by a company called XXXX XXXX saying there was a possible class action lawsuit. I completed and submitted the claim form, but never heard anything back from them. I just want to see what options I have to either be reimbursed for all the fees/interest charges and/or reimbursement of my money that I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing this wells fargo account with XXXX  for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX wells fargo refuses to send me information on why this continues to be reported and has not responded to my request for information.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have been a victim of identity theft several times from XXXX to XXXX. I have had to dispute many credit card accounts and other services that were opened fraudulently in my name. In XXXX of XXXX I discovered an unauthorized XXXX XXXX  credit card reporting on my credit report as XXXX XXXX. I quickly filed a police report with the XXXX XXXX XXXX Police and filed an official FTC ID Theft Report. I sent a notarized copy of all documentation to all three major credit bureaus XXXX, XXXX, and Transunion. I requested that the XXXXXXXX XXXX XXXX account be blocked or deleted from my credit files due to it being a result of identity theft. XXXX and XXXX both honored my request to have the XXXX XXXX XXXX  account blocked from my credit report but TransUnion refused to remove the same fraudulent account. TransUnion claims to have verified the account but when I requested a method of verification, I received no response. This is a violation of FCRA 605 B.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California Rosenthal Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the Rosenthal Act
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account was paid but still shows up on report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I debt showed on my credit report from a debt collector representing my previous apartment. 

I had no clue why they were saying I owe this amount, I moved from the apartment almost a year ago and owe nothing. I never received any notice about a debt. When I call the collection agency the representative was extremely rude and unwilling to provide information. She kept saying you do owe it and you did get notifications. 

A few weeks later I received a letter from them with my least and a letter from apartment manger which was not signed stating that the charges are for damage to the carpet due to me having a pet. 

I believe the information sent to me was fabricated because the property manager was well acquainted with me and my nephew who lived in the apartment. She knew we didn't have a pet. I lived at the apartment for 3 years and I never had any pets. First of all I am XXXX to dogs and cats. The apartment was clean and no damage to the carpet other than regular wear and tear. On my lease I made a deposit of {$350.00} I tried to contact the apartment and was told that the management company no longer manage the property and they didn't have any previous information on my lease. 

Please investigate this collection agency and report them to all Federal Agencies. I believe they are committing fraud and intentionally trying to destroy people credit and scam them out of money. I am not sure if the apartment management company is giving them false information or if they are just creating fake debt for old tenants.
Product: Money transfer, virtual currency, or money service

Charles Schwab put a restriction on all our accounts ( XXXX ) including our Debit card that we use to withdraw cash from ATMs when we are traveling overseas. I have talked for over XXXX hours with several of their minions and exchanged several secure messages on the Schwab website. They claim the Patriot Act requires them to do this because they do not believe our official US address is correct. The Patriot Act expired in 2019 and is no longer in force. I have been a Schwab client for nearly 30 years with no problems. We recently changed our US address and this is why Schwab claims the restriction was placed. It means we can not use our Schwab XXXX debit cards to withdraw funds from ATMs worldwide. It also means we can not take our XXXX  ( but I was able to do that before this mess started ) and we can not make any withdrawals or trades in our IRAs or joint brokerage account. We are currently on tour in XXXX and XXXX. 
Thank you.
Product: Credit card or prepaid card

I had put a deposit of $ XXXXfor some work on my credit card on XXXX said work which was to start on or before XXXX they never showed up to start the job and are not returning my calls. i would like to cancel this transation. I had call Citi on XXXX and got discoed after 10 minutes. then i tried chat some thing named XXXX was to send me somethinng via e mail I have not received it. I called this morning and got discoed after 14 minutes. when i called back and got disconnected after 4 minutes.XXXX is the number at citi bank i was calling.
Product: Checking or savings account

Did not receive my deposit from my employer. Contacted my employer directly and the issue is on the banks end. Usually I receive my weekly deposit on Thursday morning but it is Friday evening and my deposit does not show in my account.
Product: Credit reporting or other personal consumer reports

I am writing in response to Personifys letter dated XX/XX/XXXXXXXX XXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXXXXXX XXXX  Personifys FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely XXXX, XXXX, and XXXX. Specifically : Website Language : The FAQ sections identify XXXX, XXXX, and XXXX as credit bureaus, stating that Personify reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as Clarity or FactorTrust ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : Personifys JXX/XX/XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX ( owned by XXXX ) and XXXX ( owned by XXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXXXXXX XXXX only appears on XXXX XXXX and XXXX profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means XXXX, XXXX, and XXXX. I would not have chosen this loan had I known it would not be reported to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Product: Student loan

I have a student loan debt of over XXXX from XXXX University for an XXXX degree in XXXX XXXX XXXX and I have n't been able to get a job with this degree and if I get a job it only pay the minimum wage because you must have experience of more than a year with credentials.