23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency.
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint against AES Success regarding the mismanagement of my private student loan and a series of administrative errors that have caused me undue stress, financial harm, and confusion. Below, I outline the key facts and issues pertaining to my complaint : Loan Background and Deferment Request : I took out a private student loan with AES XXXX in XXXX for {$20000.00}. 
Between XXXX and XXXX, I made payments totalling over {$14000.00}, reducing the outstanding balance to {$5800.00}. 
During the XXXX period, the loan was in deferment due to the pandemic and regulations introduced by the XXXX XXXX. 
On XXXX XX/XX/XXXX, I submitted a deferment/forbearance request to AES to XXXX to an Income-Driven Repayment ( IDR ) plan based on affordability. 

Improper Notice Sent to Unregistered Address : On XXXX XX/XX/XXXX, AES sent a demand letter to my mother 's address in New Jersey, requiring payment of the full principal balance by XXXX XX/XX/XXXX. 
This address was not listed as a registered address on my account. My contact information on file included my XXXX address, email address, and mobile number, as I have resided in the XXXX since taking out the loan in XXXX. 
Additionally, I was enrolled in paperless communications. 
The letter sent to my mother 's address was never relayed to me due to her XXXX and inability to recognize its importance. As a result, I was unaware of this payment demand. 

Loan Default and Subsequent Mismanagement : My loan defaulted without my knowledge, and I only discovered this when I logged into my online account and saw the default notice. 
Upon contacting AES by phone, I was informed I had 75 days to request reinstatement by making a payment of {$1200.00}. 
I made this payment on XXXX XX/XX/XXXX. 
Unbeknownst to me, AES had already transferred the debt to the guarantor,XX/XX/XXXX XXXX XXXX, on XXXX XX/XX/XXXX, in the amount of {$5800.00}. 

Payment Misallocation and Lack of Transparency : Despite following AESs instructions, my payment of {$1200.00} on XXXX XX/XX/XXXX was applied to an account with a XXXX balance. 
AES refunded this payment to XX/XX/XXXX XXXX on XXXX XX/XX/XXXX- but failed to provide me with adequate documentation or a proof-of-transaction statement to trace the payment, resulting in this payment being UNAPPLIED to my outstanding debt balance. 
On XXXX XX/XX/XXXX, I received a notice from XXXX and XXXX XXXX XXXX, attempting to collect {$5800.00} for the same debt. 

Impact of AESs Actions : AES failed to notify me through proper channels ( email or phone ) about the impending default, despite having my correct contact information on file. 
AES should have refunded my payment to myself ( not XX/XX/XXXX XXXX ) when it became evident that the account had a XXXX balance, and the loan was not being taken back into servicing. 
The lack of transparency regarding the forwarded payment has resulted in significant distress, financial uncertainty, and unresolved debt collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below listed Accounts are violating my rights XXXXXXXX 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 XXXXXXXX 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: Checking or savings account

I had 2 payments coming out twice a month from XXXX XXXX for a total of XXXX. I went into Fifth Third on Monday XX/XX/XXXX to make XXXX deposit to pay off XXXX. The teller that took my money told me after I paid off XXXX I could stop the automatic withdrawals. This past Friday I paid XXXX off and when I called the bank to ask that the automatic payments be stopped, I was informed by the person that answered the phone I could not do this. After a lengthy conversation between me and this person I got nowhere so he transferred me to a manager. The manager told me I could not have the withdrawals stopped form XXXX that if they wanted to keep taking payments out they could. I got no where with the manager who finally suggested I could open a new account. I said to the manager this is my money and you are telling me I can't put a stop to this money coming out and he said that is correct. Let me further add that I had in the past stopped automatic withdrawals. I have tried to reach somone at their corporate office and only been transferred to people that could not help me.I will be closing my account at Fifth-Third which I told the manager. It is like I have money in there but can't control it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX please review and remove XXXX XXXX XXXX from the credit report in its entirety Equifax your report is incomplete because there is no Date of last active. 
Your date of last payment is incomplete!! 

XXXX  date of last active is inconsistent of what XXXX is saying you are reporting XX/XX/XXXX of date of last active!! 

XXXX you are reporting XX/XX/XXXX as date of last active!! 
Also XXXX your dote of last payment is incomplete. 

Guys the account number is all the same how is it possible for so much inconsistencies and missed information on one account I urge you all to remove the young entire trade line from all credit reports and send me an updated credit report showing the reflection of the deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have never received notice of debt from them and they collected {$2200.00} from my paycheck, never got noticed of what the debt was paid for and now they are trying to collect for another {$550.00}, I have check my credit file and I only show I owe them {$550.00} which means I have paid well over the amount due. I believe they have collected for a debt that was out side the states statue of limitations and is now trying to collected on a new debt.
Product: Credit card or prepaid card

Best Buy credit card from citi bank. Will not accept my payment coupon. When asked for confirmation of debt I said I need all wet signatures. They sent me a bill which is not a confirmation of debt. They said they varied the debt. I sent them a letter saying with who name address phone number and who it was a lawyer etc. no response. They need to zero out this account and fix credit report. They need to refund my money what they really owe me in silver coins legal tender not federal reserve notes. The ceo will need to go XXXX arbitration so we can see there book keeping entries. A book from federal reserve called money modern mechanics page XXXX states banks can not lend money. XXXX. Banks take signatures promises to pay and exchange them for credits basic book keeping entries. All bank loans are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Company XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX    XXXX   and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. 

The accounts that are illegally being reported are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports. 
Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. 
Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information. 
Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties. 
Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. 
I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. 

I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report. 

If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 

Furthermore, these accounts have been removed from the other two CRA 's, yet XXXX keeps reporting them illegally. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Debt collection

Ive been contacted by this company multiple times however the debt owed doesnt belong to me. Ive requested that it be removed and that they do their due diligence and research correctly. It still hasnt been removed successfully.
Product: Credit reporting or other personal consumer reports

Over a year ago i I pulled my credit so that I could prepare to buy a home for me and my children and noticed that there were inquiries on my reports that I did not recognize. I immediately contacted all 3 bureaus to notify them that I had been a victim of identity theft. In XXXX  my car with all my things were stolen and in XXXX my purse was stolen with valuable information in it. I noticed addresses attempted bank accounts and inquiries and disputed them all several times. Trans Union has yet to removed the inquiries and this is really hurting my reputation and my family. I recently disputed them again with the frauds department after my fraud alert had been in place more than a year and they are still giving me a hard time.
Product: Credit card or prepaid card

My name is XXXX XXXX, My fiance is XXXX XXXX. We had a direct deposit tax return from the U.S. Treasurer in the amount of {$6300.00} into our Cashapp account # XXXX. We have verified we are the account holders. I am the primary. Cashapp will not grant access to our funds nor transfer our money to a new account that they directed us to create. They stole our whole tax return and will not give us our money. The cashtag on our account is $ XXXX The email linked to the account is XXXX The phone # that was linked to that account was XXXX The zipcode on that account is XXXX
Product: Checking or savings account

I purchased concert tickets last year XX/XX/2020 for a concert in XX/XX/2020 ( XXXX XXXX XXXX ) {$430.00}. Due to Covid the concert was postponed for XX/XX/2020. I called after and asked about a refund and they kept saying the concert was postponed ( no date ). I then disputed with my bank Wells Fargo, they did the credit back until investigating then took it back out of my account. Said I did not send them any documents. Ok, I submit another claim just XXXXwo weeks ago and again they say my claim is closed and they will take the {$430.00} out again. I called XXXX XXXX XXXX XXXX XXXX # and no answer. So now I want to close my accounts with Wells Fargo ( 25 ) years! This concert will not happen. The promoters have our money. I dont thing Wells Fargo even investigated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain auto loans. 

XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
I recognize Credit Bureau 's quick regard for BLOCK or REMOVE these items and reaction within XXXX workdays XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done. 
I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
Product: Checking or savings account

There was some unauthorized charges on my account. I am mediately notified them when I notice the unauthorized charges then they say the completely done investigation, and found no errors. The account is closed, now due to the fact of the fraudulent activity. Now I think they are reporting false information because I keep getting denied bank accounts.
Product: Money transfer, virtual currency, or money service

I recently open an account with Square for my consulting firm to process payment. With in 2 weeks I process over {$10000.00} with square because of the recent volume of payment square ask to verify some transaction and my information. On XX/XX/2022, Square account service sent an email stating they review the information man account is back to normal and my funds will be transfer into my bank account. On XX/XX/2022 I check my bank account and notice the funds were not deposited into my account So I decided to reach out. I spoke to a representative this morning and he told be yes he saw the email as well and he place a ticket so everything can go back to normal. An hour letter I received and email stated my account was restore and I can do withdraw money, which is great. I continue to process payment for my coaching program and a few hours later, I got an email that my account was closed down and my funds will be held for 180 days. I immediately called Square account support and tried to get matter escalated. I spoke to name XXXX, she stated this issue has to be an error and she opened a case # XXXX. This issue has cause me to now become depressed. I been operating my business u=in good faith. I have never done any business with square & a sales rep recommended there service. I been a victim of Identity theft In the past and I made it clear to the rep I should online have one account which is this one. you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). It's unlawful to close my account with no explanation and to hold my funds. I recently open this account less than 25 days ago and I never received any charge backs.