23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

this company has ran my credit three times in the last 3 years, all three times the information they posted was fraudulent and extremely inaccurate. as of XX/XX/2018 my credit scores listed from four different sources all match right down to the number on all three credit reporting agencies, XXXX= XXXX, XXXX=XXXX, and XXXX=XXXX from the agencies themselves, furthermore XXXX, XXXX XXXX, and XXXX XXXX  creditwise all state the same numbers too.

factual data is factual XXXX and factual fraud, they listed numbers 35-55 points lower than what it actually states on the reports, because of this it has stopped me not once but more than 3 times buying a house. I am a vet and a XXXX one at that I am tired of companies like this making it impossible for vets and folks like me to secure a home, and this is a direct violation of my 14th amendment rights and the fair credit act.

this company has a history of complaints from the XXXX to the consumer alert agency of running unauthorized credit checks to illicit, incorrect, or fraudulent information to mortgage companies complaints from several individuals
Product: Student loan

I went to XXXX XXXX XXXX from XXXX. This was a for-profit school. My loans originated through XXXX XXXX. There were 9 different loans, XXXX both Subsidized and unsubsidized loans for more than {$25000.00}. I was paying more than {$500.00} a month in student loans. My loans were sold to XXXX. At one point my loans were more than {$29000.00} because of interest. I have been paying these loans since XXXX. When student loan forgiveness started I applied. The Dept of Education said I did not qualify for forgiveness because of the year I graduated. In XXXX student loans were being forgiven for XXXX XXXX. In XX/XX/XXXX I tried to apply again for student loan forgiveness and was again denied. I sent in all my original documents proving that the school was for profit and that the degree I have is useless. I have already paid this loan back through interest and then some for 13 years at {$500.00} a month. Trying to relieve my financial burden of paying for a loan for so long for a degree I do not use, I consolidated the loans through a private lender Mohela. I was well aware the loans would not be federally backed however, the Dept of Edu said I would NEVER qualify for forgiveness so this was my last ditch effort to try and get out from under {$29000.00} of debt that I have already paid two times over. XX/XX/XXXX ALL XXXX XXXX loans were forgiven. I missed the cut-off by 6 months and am still {$21000.00} in debt to student loans. {$20000.00} to Mohela and {$1300.00} to The Dept of Edu. The Dept of Edu and Mohela gave misleading information on student loan debt consolidation. When I am finally finished paying my loans I will have paid well over XXXX on a {$25000.00} for a two-year degree that can not be used from a for-profit school that no longer exists. This has caused me emotional stress, XXXX, and hardship. In the past, I have worked XXXX jobs and paid my loans on time with no relief from my original burden. I have paid my dues for more than 15 years. How is it, that I can NEVER get any relief from this? There will be no golden retirement for me. I still have student loans to pay. I want justice and what is fair. I want the Dept of Edu to take responsibility for telling people that they will never qualify for forgiveness just to change their minds 6 months later and again to be denied because I was trying to get these loans done and over with by consolidating to a private lender. This has killed my spirit and continues to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I talk to Experian Credit Bureau, I have attempted in the past several times to clear the fraud alert they have. I send them a certify letter with my information, which they say they never received. I call them several times to clear my fraud alert. They never clear it. Today I call them again, and today they register my phone number after all the calls I made before. Until today they finally register my phone and they have register it in the file. I have 3 reports of Hard Inquiry from XXXX XXXX XXXX that I told Experian to take off. Since I am a leasing a truck with them. It is not necessary to have those since I was not aware of the fraud alert. Plus I only have the fraud alert with Experian. Since my score went down because Experian fault. Need them to erased them so that the Financial Institution can run as when my credit score was above 700 to get approved. 

Please help me again on doing this and telling Experian they dont have the right to ruin my credit score,  since XXXX XXXX   only works with Experian credit report.
Product: Debt collection

I was given a modification loan in XX/XX/2017, signed and sent it back. Started making all of my payments, but Rushmore Loan Management was not posting them, they were just holding them, and putting non payment on my credit report, after ( 1 ) year and many attempts to get a hold of them to explain, they send me another loan in the mail for more money on the payment. I did not sign, I wanted answers as to why and they back dated the new loan to last year which means all of my payments were short. After trying for several months to get my rep XXXX XXXX to respond, I finally got a hold of someone who made him call me. He gave me what seemed a reasonable answer but basically he said Rushmore made a mistake on the paperwork. He said they would work with me to catch up on the short pays since it was not my fault. So I sent the paperwork back signed. At this point, I wasn't aloud to make my payment. I called XXXX XXXX at least 10 times to try to get my payment in, but he never returned my call. So I mailed a check. The check after 2 weeks has not posted per my online statement and I received intent to file foreclosure paperwork in the mail. No phone call, no reason why. I tried XXXX XXXX another 2 times and still nothing. They lied and miss represented the status getting me to sign the paperwork. I am upset at how they are handling my account. I have been trying to work with them and have call logs on my phone of the number of times I've tried to get in touch with them, with no return call. I also have email documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. 

I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. 

This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. 

This company is attempting to completely ruin my life and my credit and they have no right to do so. 

I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. 

This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. 

It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.
Product: Credit card

Our company citibusiness credit card number ( not physical card ) was stolen and used to make several fraudulent purchases in XXXX ( we are in the USA ) between XX/XX/year> and XX/XX/year>. We called Citibank and reported the charges to be fraudulent. They conducted an investigation and determined that these charges are customer responsibility even though they are clearly fraudulent. Citibank even cancelled and replaced the card. When we called to follow up on why there would be no fraud credit the agent refused to give any further information and said nothing could be done. We have never had this experience before so just seeing if there is something else we can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I created a free account with XXXX and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Debt collection

This debt is repeatedly forwarded to me for payment. It is NOT mine. It clearly belongs to another consumer who has obviously made payments on the original amount of {$440.00}, down to {$250.00}. I have repeatedly asked that they inquire about who has made the previous payment on the debt. This will validate the that the owner is not me. I have had no interaction with this facility since 1991.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the negative items that are still appearing on my record, despite having raised this issue with you some time ago. It is concerning that these inaccurate items have not yet been addressed or removed. 

I kindly request that you take immediate action to remove these inaccuracies. If this matter is not resolved promptly, I may be forced to consider further action, including legal remedies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did an internet search for a used XXXX XXXX Fusion engine, a short while after, I received a phone call from XXXX XXXX ( XXXX ) who offered to sell me a used XXXX XXXX Fusion Engine with XXXX miles for {$1800.00}. After performing some research, I visited the company 's website performanceautosalvage.us, and decided to purchase the engine, after exchanging several emails with XXXX, he said his company does not accept credit cards, only Zelle. I eventually sent the Zelle payment as he instructed : Payment was sent to XXXX XXXX XXXX XXXX : XXXX for {$1800.00}. After several weeks of calling, they kept hanging up the calls. I filed a complaint with the Illinois Attorney General and made several complaints through my bank ( XXXX XXXX XXXX XXXX XXXX ) to Zelle, but have received no response. 

Here is the Zelle instruction from XXXX 's email : PAYMENT EMAIL ASSOCIATED WITH ZELLE ACCOUNT XXXX The part will be inspected and delivered to you. Once the part is shipped out we will email the tracking number If you receive a damaged part or an incorrect part please notify our customer service department. Returning the part is the responsibility of the customer and XXXX XXXX XXXX must be provided with a return tracking number when the item is returned. The item must be returned within XXXX business days of the receipt of the XXXX. The return address will be provided at the time we are contacted. Parts must be returned to the location address provided upon receiving XXXX. Once the item is returned it will be inspected and upon approval a credit request will be forwarded to accounting. Customer refunds are issued within XXXX business days once the returned part has been verified and inspected. 

PART DETAILS : TESTED GREAT LOW MILES READY TO SHIP CLEAN RAN AND TESTED, FREE DELIVERY WARRANTY AVAILABLE COMPLETE ASSEMBLY READY TO INSTALL CERTIFIED AND INSPECTED PRICE & POLICY :. 
TOTAL > {$1800.00} DELIVERED WE DO HAVE RETURN AND REPLACEMENT POLICY AND WE DON'T CHARGE FOR THAT IF ANYTHING GOES WRONG WHILE SHIPPING OR YOU GET THE WRONG PART WILL MAKE SURE EITHER WE GET YOU OTHER PART OR REFUND THE MONEY. 

Thank you for considering our services. We look forward to hearing back from you soon. 

Best regards, PERFORMANCE AUTO SALVAGE Direct Number XXXX
Product: Debt collection

On XX/XX/2022, ( Hunter Warfield Inc ) attempted to fraudulently collect a debt of {$3100.00} that was illegally sold by actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Product: Money transfer, virtual currency, or money service

I transferred cryptocurrency from Coinbase to Coinbase wallet. They sent an email saying it was paused, gave me an option to cancel, which I did. Today I tried to transfer it back and it said I needed to pay a large fee $ XXXX and I was willing to pay. The payment method came up blank with a back arrow. Its a small amount of money but its stuck there, I can not do anything with it.
Product: Credit reporting or other personal consumer reports

I have gotten a few reports from my various credit cards credit monitoring that my information has been found on the dark web over the past year or two. I did not think anything of it because most of the information was false anyway. Around XX/XX/year> when I was checking my credit report through my XXXX account ( I hold multiple credit cards through XXXX XXXX ) I noticed there was a late payment that was reported through XXXX. I didnt even know what XXXX was at that point nor did I know how you even use it. I also did not see this line of credit through my XXXX XXXX reporting that I check regularly because I dont believe they pull their information from Experian. That was the only bureau that was actually showing this line of credit that I did NOT OPEN. When I called XXXX to try and figure out what it was for, I had a lot of questions because Ive never even used XXXX for anything because I have my own credit cards that I use for everything. They informed me it was a purchase made using my social security number and an old email address I never check anymore and it for a website called XXXX XXXX??? Ive never even been on that website. Now my credit is severely affected because I have a fraudulent loan with a delinquent payment history. I had XXXX  investigate and they determined I am responsible for the balance even though I reported that it was entirely FRAUDULENT. Then I had Experian investigate and they determined the information was accurate and I am still responsible for this fraudulent loan. The only information you need to open this loan/line of credit is extremely basic information that is easy to find. I am also frustrated that they have investigated but I have not received any follow up questioning in regards to this. What are even the parameters around the investigation and how they determine its fact and not fiction?? They just investigated and determined I am liable for a loan I DID NOT open on a website Ive NEVER even been on.
Product: Checking or savings account

BOA States closing checking for no explanation in XX/XX/2024 My Social Security XX/XX/2024 Deposit {$1000.00} 6 Credit Credit Cards Payments Due Ruin my Credit Score Have no Money My light bill is due, turn off is probable Called Customer Service, Claims and Fraud 5 times with no explanation
Product: Debt collection

Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.
Product: Credit reporting or other personal consumer reports

Applied bank has an open account on me. XXXX XXXX. I asked for the letter the XXXX XXXX XXXXXXXX has to sing the letter to incure new debt. No letter has been provided to me. The refused to remove the over limit and remove this from all. Three credit reporting agencies. This depth shows as opend XX/XX/XXXX the XXXX XXXXXXXX was filed XX/XX/XXXX XXXX
Product: Credit reporting

I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.
Product: Debt collection

Keep calling and Harassing me and also my friends and family looking for me
Product: Student loan

Called Edfinancial on XX/XX/XXXX to request a refund for the total amount of payments I made during the pandemic, when payments were paused and not required. The first rep I spoke to was not very knowledgeable and gave bad info more than once. I first tried confirming whether or not Edfinancial had my income information on file. I was told by the first rep that they did not ; however, I am enrolled in a income driven repayment plan, so they would have to have my income info on file. The representative 's first answer was for me to call the dept of ed. 

I then requested a refund and was told that the amount being refunded would only be {$800.00} or so dollars. This was very confusing to me since I've made almost XXXX XXXX in payments since XXXX XXXX XXXX Again i was told that I'd have to call the dept of ed for more info ; however, after some time of arguing and trying to reason with the rep, the rep then realized she made an error, recalculated, and then advised that my total refund amount would be {$2700.00}. This is still inaccurate because the total amount in payments I've made since XXXX XXXX XXXX is exactly {$2800.00} ; however, I did not realize this error until the day after. 

I was then told by this rep that it could take up to 6 months until I get my refund. I was also told that my balance would be reinstated back to its original balance, before I made those payments, in the coming days, even if my refund hasn't been issued to me. 

I then called back and spoke to rep # 2 on XX/XX/XXXX to confirm that my refund was being processed. While speaking with rep # 2, I was advised that my loan balance won't be reinstated until I received my refund. 

I feel like I was given completely wrong information. Not to mention, other loan servicers are processing refunds in sometimes 72 hours, yet Edfinancial doesn't even know when they will be processed/ issued. 

I now have received in the mail ( XXXX ) a letter from Edfinancial advising me that my personal data may have been stolen in a security breach with XXXX This is absurd.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..
Product: Credit reporting or other personal consumer reports

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts opened in my name, please remove these accounts. I never applied for these accounts nor I used these services from the companies listed below : XXXX XXXX XXXX  XXXX XXXX {$21000.00} XXXX  XXXX XXXX XXXX {$20000.00} XXXX XXXX - {$7700.00}
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 card or prepaid card

I submitted a complaint about Comenity Bank charging me a late fee/past due of {$120.00} and submitted to the three credit bureaus that I was late. After Comenity Bank reviewed my account they discovered that I was correct and was supposed to correct the error with the three bureaus. But, the {$120.00} was never reversed and the fee is still on my account, The {$120.00} fee that was not to be on my statement. I am requesting that the fee be reversed/credited back to me, because I was NEVER LATE OR PAST DUE.