23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Back in XX/XX/XXXX I decided to go back to school for XXXX XXXX through XXXX University XXXX. I received my XXXX XXXX in XX/XX/XXXX and since then it's been a total nightmare. XXXX College, part of XXXX  Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. They did a partial discharge which doesnt help anything because the 10 % discharge only covered the interest they added.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted an issue where an account was reporting more than once and they have yet to look into the matter and it was not fix. i also Included my ID and Social on the document. they have an account at is reporting 3 times with 3 different amount owed i know for a fact that a company can not collect on the same debt with the same account number but diffident amounts owed. and i have an account reporting that i never had that i think is fraud that need to be look into this is the 3rd time i have put in a request to get this looked at.
Product: Student loan

This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.
Product: Checking or savings account

Wells Fargo. Fraudulent. Long story short, Im a XXXX XXXX and make {$100000.00} annually but somehow, due to WF 1-reprocess and rerun transactions structure 2- their fee structure 3- they run some cash type app transactions twice I have {$2.00} to my name and thats not uncommon. In fact, until XXXX, they feed my account to - {$690.00} each time and then charged me return fees for everything they wouldnt let clear- things I had money for bc..well, I work hard and i, on paper, am doing well. Please help. Please. I cant stop withdrawals. Theyre reposting things for diff amts on different days. I believe theyve unfairly feed me to death. Please help me.
Product: Credit card or prepaid card

Upon applying for a apartment I was advised to check my credit report. When I requested a full credit report through XXXX XXXX I noticed a collections and, balance owed. 
There was a credit card opened in my name with some of my info for a Synchrony Car Care credit card. It stated I was in collections for a balance that I supposedly owed. I then contacted Synchrony Bank, gave them my info, and was told the card was opened in XX/XX/XXXX, and there was a balance of {$2300.00}. I informed then that I did not open said credit card, that I did not get my first car until XXXX. They said they would open a investigation. It would take XXXX I believe, maybe 45 days. I later received a letter stating case was denied. For a Synchrony XXXX credit card. I contacted them again, and informed them the XXXX card was paid in full, and gave them Car Care card through them. After waiting my mother contacted XXXX and gave them all the info that we had. My mother got involved because she had accounts from XXXX on herself, my younger brother, and myself, and at the time this happened I was a minor and that they never contacted my mother to alert her this was happening. Moving forward my mother, myself, XXXX with XXXX XXXX, and Synchrony Bank have had NUMEROUS contacts re ; this issue. today XXXX, my mother, and XXXX all got on the phone with XXXX with Synchrony Bank who informed us that it was denied again XX/XX/XXXX. XXXX did let us know he will submit another XXXX form and advised us to contact you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$220.00}
Product: Credit card

My floor and decor credit card with comenity capital bank has been closed. They are still charging me a minimum interest charge of {$2.00} and late fees. I do not know how they can charge me this when the account is closed. It is also reporting to my credit even though the balance was paid in full and the account closed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate. 

I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX. 

I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request. 

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me. 

In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later. 

You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing. 

Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.
Product: Credit card or prepaid card

I had ordered furniture from Ashley Homestore online in late XXXX of XXXX. That furniture was delivered on XX/XX/XXXX and charged in the amount of {$1400.00} to my Synchrony Account. Ashley then attempted to deliver the same furniture again on XX/XX/XXXX but I told them I already received all of my furniture. Then, a 2nd charge of {$1800.00} was added to my Ashley Furniture Synchrony Account on XX/XX/XXXX. When I noticed this 2nd charge on XX/XX/XXXX and I informed Synchrony that this was not a valid charge. On XX/XX/XXXX, Synchrony informed me that the dispute was resolved, however the charge remained on my account. In the documentation they provided, Ashley used pictures of the furniture that had already been delivered as justification for the 2nd charge. I then contacted the Ashley store referenced in the documentation. She was able to determine the delivery team had stated that I accepted delivery of the 2nd set of furniture even though I did not. Once she realized the error, she informed me that my account would be refunded and I should see it reflected on my account in the next 2-3 statements. After the refund never appeared, I again contacted the same person at Ashley. She told me she didn't know why the refund never went through but that it would shortly. This back and forth continued every few weeks from the XXXX of XXXX until today. I contacted Ashley on XX/XX/XXXX because the open balance was still on my account and negatively affecting my credit. She informed me that corporate was issuing a refund that day and that I would be sent a confirmation email. I again contacted Ashley a week later on XX/XX/XXXX, because I still had not received an email or a refund on my account. She said it could take 7-14 days for the refund to process and she took my email address again and told me that she would make sure I got sent the confirmation email. Synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score. I called Synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score. I told them that a refund should be processing from Ashley but they did not see it on their end yet. It is now XX/XX/XXXXand the refund from Ashley should have been processed however it has not. I have attempted to contact both Ashley and Synchrony and both are hanging up on me.
Product: Debt collection

The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now
Product: Debt collection

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to Security Credit Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX   XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my account that happened in XX/XX/2015 when i was XXXX XXXX  to my daughter and i tried to explain to them that i have losted my card or that it was stolen but they still will not help me in anyway i showed proof that i was XXXX XXXX  so their was no way I could have been in New York doing fraudulent activity with my card or my bank account but they still turned me down and would not hear me out i still was denied a real chance to plead my case i stayed in hospital from XXXX in the XXXX   XX/XX/XXXX until after XXXX  sometime XX/XX/2015 my daughter was born at XXXX XXXX XXXX something XXXX on the XX/XX/XXXX after they induced me
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Product: Debt collection

I paid my XXXX XXXX the balance of my debt of {$59.00}. I accidentally sent them {$69.00}. Paid in full right? I check my credit report and I have Security Credit System on my report. I never dealt with Security Credit Systems. I dispute the debt. I receive a letter on  XXXX/XXXX/XXXX from Security Credit System , Inc saying I have a balance of {$9.00} ( handwritten on invoice ). What it also has handwritten is a charge for collection fees of {$19.00} and no date. Which is 33 % of the original debt. I called SCS to dispute the charge. They REFUSE to send me any and all copies of invoices they claim they sent with this balance on. They claim the collection charge was added XXXX/XXXX/XXXX. They REFUSE to send me any copies of an invoice showing this charge sent to me or fees added at this date. They REFUSE to send me any copies they claim they sent me They REFUSE to send me any documentation of their fee rates nor send me any literature on how they came up with a 33 % Fee. They REFUSE to send me anything. They threatened to put on my credit against me yet refuses to give me any way of disputing this. My debt was paid to XXXX XXXX XXXX XXXX and that is final.
Product: Debt collection

Midland Funding contacted and attempted to contact multiple family members as well as attempted to contact my place of employment and discuss my personal information with 3rd parties and violate my privacy
Product: Money transfer, virtual currency, or money service

Ive already submitted a complaint and its closed out you guys told me to reach out to cash app and they told me to reach out to you
Product: Consumer Loan

I HAVE A LOAN WITH CARFINANCE.COM ( LOAN # XXXX ) AND I HAVE RECEVED NUMEROUS CALLS EVENTOUGH I HAVE TOLD THEM A DATE I WOULD PAY. I AM CURRENTLY A MONTH BEHIND BECAUSE OF FINANCIAL CIRCUMSTANCE, BUT I HAVE ALWAYS MADE MY PAYMENTS WHEN I SAY I WILL VIA XXXX. THEY SAY THATS NOT A SECURED ARRANGEMENT BUT THAT THEY WOULD NOTATE IT IN THE SYAYTEM ON WHEN I CAN PAY. WELL, I HAVE TOLD THEM SNCE XXXX XXXX WHEN I MADE MY LAST PAYMENT THAT I WOULD NOT BE ABLE TO PAY UNTIL XXXX XXXX MY NEXT AVAIL PAYDAY TO MAKE THE NEXT PMT. WELL I PAID ON FRIDAY XXXX A XXXX PMT {$310.00} AND CALL IN THE REF # AND I ALSO LET THEM KNOW MY NEXT ARRANGEMENT XXXX/XXXX/16 {$310.00}. I END UP GETTING A CALL ON MONDAY XXXX AT XXXX AND THEN XXXX CALLS WITHIN XXXXHRS APART TISMORNING XXXX/XXXX/16 AT XXXX and XXXX!!!!! THIS IS A VIOLATION OF Fair Debt Collection Practices Act ( FDCPA ), The Act prohibits certain types of " abusive and deceptive '' conduct when attempting to collect debts, including the following : 1 ) Communicating with consumer after request for validation has been made : communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer 's written request for verification of a debt made within the 30 day validation period ( or for the name and address of the original creditor on a debt ) and before the debt collector mails the consumer the requested verification or original creditor 's name and address. 2 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously : with intent to abuse or harass any person at the called number. NUMEROUS TIMES HAVE A PAID WHEN I SAY I AM GOING TO PAY. YES, I AM CURRENTLY BEHIND A MONTH ON THE PAYMENT BUT I HAVE GIVEN VERIFIABLE ARRANGEMENTS ON WHEN I WILL PAY. I WO N'T DO CHECK BY PHONE BUT I WILL DO XXXX PMTS TO AVOID RETURN FEES WITH MY BANK. LAST MONTH THE SAME THING HAPPENED WHWER EI WOULD GET CALLS ALMOST EVERYDAY EVEN AFTER I TOLD THEM WHEN I WOULD PAY. IM NOT A BAD PAYING CUSTOMER JUST A SLOW PAYING CUSTOMER BUT I AM ALWAYS TRUE TO MY WORD ON WHEN I WILL PAY. I CONSIDER THESE RESULTS GIVEN UP TOP HARRASSMENT AND WANT IT TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Checking or savings account

During XX/XX/year> There was a XXXX XXXX with my Debit Card of XXXX $ that was no authorized by me. I had lost my card I told them that but for some reason they still denied my claim. and under my claim they put I don't remember the transaction when I told them on the call it was fraud. the bank is wells fargo
Product: Debt collection

they added an electric bill on my account and it was paid as agreed back in 2018 and it was removeds from my credit and the current collection i paid and they removed it and just the other day it was back on there with a new debt buyer..SO PLEASE DELETE THIS IMMEDIATELY!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( TU & XXXX ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( TU & XXXX ) The following items are incorrectly reporting that I was late : XXXX   XXXX - Opened Date : XXXX ; Bal : {$650.00} ( TU, XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 an account without my written instructions