23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX, 2017, a check for {$21000.00} ( final payment for total loan pay-off ) was received in error by the Department of Education for my private loans serviced by Navient. The address was provided by one of their representatives. I noticed the check was deposited but never allocated to my account. I called to follow up approximately one or two months later ( no communication received ) and was notified the check was sent in error and a refund was to be processed. I was told a new check would have to be mailed to the appropriate PO Box to be applied to my account. If I did not call, a refund would never have been processed and I would not even know an error existed. Interest continued to accrue on my account, even after a new check was mailed. I have called several times and representatives have told me a request to backdate the check would be submitted to remove the remaining balance. I have documentation and all representative badge numbers - The check was never backdated and interest continues to accrue on my account.
Product: Checking or savings account

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX XXXX to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. 

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX ) to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. Notified XXXX that I have not received the first check and can he find out the status. No updates available. 

Every other bank institution that I have dealt with have sent the funds electronically with XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

Sir, i have an account on Airtm in which i have a balance of XXXX USD and i wanted to withdraw it. Then later at the time of withdrawal i was asked to verify my account by XXXX XXXX XXXX. I provided my valid country ID card with full information. But still my account was not verified and i received an email of verification rejection and there was no another chance to verify. I wrote to their support on XXXX XXXX and today XXXX XXXX each day i send them email and the gave same answer of sorry, we are looking into it. Sir i am in need of money for my household expenses please look into this matter. i have almost 50 emails conversation with the platform but without any solution
Product: Money transfer, virtual currency, or money service

my PayPal account was got banned for unreasonable process asking for bussness document then I already correctly the needed information about my PayPal account and PayPal was permanent limited my PayPal account and I have big amount on my PayPal account pleas help me to back to normal may paypal account cause I have huge funds on it. and there was no any risk on my PayPal account
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX XXXX XXXX- This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME FIRST XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Debt collection

Comenity Bank called repetitively XXXX XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX  8 calls in total. again XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, 15 calls in total, including 6 calls on XX/XX/XXXXXXXX XXXX 5 calls on XXXX XXXX, XXXX. Called over the 7 times in 7 days limit on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, Equifax and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this XXXX previous times and trans union refuses to fix this incorrect information XXXX different names are reported on the report, but only XXXX name is required to be reported inwhich is my right name XXXX XXXX XXXX They need to check all spelling XXXX Address has been reported the correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This one I have never lived at this address and this must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I Have Never lived in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
Product: Credit reporting or other personal consumer reports

Experian, has no way of interacting with their customers. There is no way of reaching a human at Experian during working hours or any hours. They handle a very limited set of circumstances by phone automation. There is no way to solve the incorrect hard inquiries appearing on my credit report by phone. I am unable to access their website because my membership login is deliberately blocked. The password can not be reset because the refuse to accept my identity documents, thereby harming my credit for an extended period of time. This is causing my family to run on a cash basis and does not allow us the use of credit. I did call the reported Inquiries of XXXX and XXXX to discuss. Theyreported that they have NO RECORD of my application, but would not provide any documents to that effect. I have attached screenshots of related documents. This has been going on for months and is deliberate. I need help with legal recourse against Experian.
Product: Credit card or prepaid card

Bought an item on WayFair with " Wayfair '' branded credit card less than 45 days ago.

After my purchase I was advised by Wayfair that the bank was closing and that Wayfair was no longer doing business with them. I was waiting on further communication from Wayfair on where I would be sending payments to. This communication caused confusion for me. 


Then I received my first statement with a late fee. Called to question and was advised that they had sent a welcome pack and other statements. I never received any of these. Further, I was given no communication electronic or otherwise about my account with Commenity until today when I received my first statement with late fees. 

They refused to waive the erroneous late fee.
Product: Vehicle loan or lease

I have a lease with honda financial services -- for my XXXX XXXX the lease is up today XX/XX/XXXX I have been trying for weeks to contact Honda about returning my vehicle, I have no heard back there phones and emails seem to be not working, I tried my local honda dealer asking about returning my vehicle -- they said I need to call Honda financial I  explain that I have tried. I tried to get an end of lease vehicle inspection and again not able to-I wish to return my vehicle and I no longer want to pay for my lease term please I need help
Product: Debt collection

On XX/XX/XXXX, I was contacted by a collector from XXXX XXXX XXXX - XXXX XXXX. The collector advised me I missed a payment and was past due. I advised her that I could not talk at the moment, as I was in the bathroom, but would call back. Later that afternoon, I received an additional text from XXXX XXXX asking for a payment - 2 collection attempts in one day. 

Since then, I continue to receive calls from the company using multiple phone numbers form different states. These calls do not leave messages. 

I called today and requested a Cease & Desist as I find their collection 's practies to be harassing. In addition, I advised I will be filing for bankruptcy and will be paying my retainer later this week. After talking to XXXX, then XXXX, and another employee, I was routed to XXXX XXXX in XXXX XXXX. 

XXXX XXXX advised me that she was able to confirm that my number was removed and advised all future communication would be by mail. XXXX XXXX was unable to provide me details of my previous conversation with their employee on the XX/XX/XXXX and apologized for the additional text I received that day. After ending my call with XXXX XXXX at XXXX PST, I received an additional call from XXXX XXXX at XXXX from one of their numbers - XXXX.
Product: Checking or savings account

I was double charged for an amount of {$160.00} each by Uplift on XX/XX/year>. I contacted them the same day asking if one of my payments towards the loan could be refunded back to me. I spoke with a rep named XXXX, who informed me that one of the payments could be refunded as this happens all the time. 

I then received written confirmation that a refund was pending. 

XXXX XXXXXXXX XXXX, showed me on the banking app transactions that a refund was pending. It showed this on XX/XX/year> & XX/XX/year>. Today, XX/XX/year>, it now shows no refund pending and a double charge again. 

Today, I spoke with XXXX from XXXX XXXX XXXX who informed me I could file a dispute and so I did. She informed me that there was no refund pending but that double charges can easily be fixed. 


I then called Uplift again to confirm that a refund was pending which the rep, who is also named XXXX, informed me that it was pending and showing a refund was processed on their end. 


One institution is saying a refund has been processed while the other is saying the opposite. {$160.00} is now missing and no one has any idea where it is.
Product: Money transfer, virtual currency, or money service

Hello, Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Please and Thank You!
Product: Debt collection

ARS is claiming that I owe them {$240.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX  is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.
Product: Debt collection

I am disputing an invalid debt that TekCollect is attempting to collect on behalf of XXXX. I canceled my XXXX account, yet TekCollect continues to demand payment without proper validation. 

- On XX/XX/year>, I received a collection notice from XXXX stating that I owed {$330.00}. 
- On XX/XX/year>, I formally disputed this debt and requested full validation, including : - A breakdown of how the balance was calculated - A record of any payments or adjustments - Proof of my account cancellation with XXXX XXXX XXXXn XX/XX/year>, XXXX admitted that they do not have access to these required documents but still demanded payment. They stated that cancellations were done electronically and implied that I should provide proofeven though they are legally required to validate the debt. 
- On XX/XX/year>, I responded, reiterating that they are responsible for obtaining documentation, not me. 

TekCollect then sent me only a copy of the original contract, which : Does NOT include account history, a balance breakdown, or proof that I owe this debt. 
Does NOT validate that XXXX did not cancel my account as requested. 
Confirms that they lack the legally required information. 

Despite admitting they do not have access to full records, TekCollect continued to pursue collection efforts, including : A settlement offer on XX/XX/year>, which is a coercive attempt to make me pay without proof. 
A vague threat of additional collection remedies despite failing to validate the debt. 
TekCollects Violation of the Fair Debt Collection Practices Act ( FDCPA ) TekCollect admitted they can not produce the required documents, yet they continue collection attempts in violation of 15 U.S. Code 1692g.

They have shifted the burden to me by asking for proof of cancellation, which is not my legal responsibility under the FDCPA. 
They continue to demand payment despite their failure to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my Transunion and XXXX  credit file : XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Please delete these accounts ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, Experian you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, XXXX XXXX, Experian PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to Mont. Admin. R 17.8.1207 Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX South Carolina Tax comission filed a tax lien on taxes due from XX/XX/XXXX and never notified me In XX/XX/XXXX I was transferring my house to my wifes name and the lien showed up on title work and I paid it That was the first I knew there was a lien. 
I file a dispute with Equifax to have it remove or even update paid and it still shows up as not paid I applied for a loan at XXXX XXXX XXXX XXXX and it cost me a higher interest rate. 
The reason it should be removed is I was never late I paid it the same day I found out it was on my record. Even in XX/XX/XXXX when I file my state taxes I got a refund back and was not notified of a lien
Product: Debt collection

Midland Credit Management , Inc has been calling and harassing me for weeks. I have sent them a cease and desist letter multiple times, the last one by certified delivery via XXXX with a signature required and tracking showing it was delivered. This company has called me multiple times a day, every time they call its from random phone numbers. Its never the same number, when I answer the first thing they say is Dont hang up or you will be sued. - they have also sent me multiple letters threatening to sue me for a balance that they have yet to very that I owe. I submitted to them in writing a denial of debt letter and a request for verification and proof of debt, they have refused to respond to. They continue to send me threatening letters indicating they are going to file a lawsuit as well as indicating that my credit will be impacted by such lawsuit. If I refuse to provide them with my personal information over the phone they immediately hang up on me. This company has been harassing me for months!