23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, This took place about a year and a half ago with a company called Premier Student Loan Center. 

Premier Student Loan Center withdrew three payments of {$290.00} from my bank account. The first withdraw was XXXX XXXX, 2016, the next was XXXX XXXX, 2016, and the final withdraw was XXXX XXXX, 2016. I did not receive the services I was promised. I was told by the first Premier Student Loan Center agent I spoke with, that my total loan payoff amount would go down {$4000.00}, from XXXX to {$8500.00}, and that I would have a {$30.00} a month student loan payment that would go toward paying off my {$8500.00} student loan. As it turns out, none of this was true. My student loan has not gone down any, and the {$30.00} was to go to Premier Student Loan Center every month to do nothing. Loan consolidation is a free service, which they proceeded to do for me one time and then once a year they would renew my repayment plan which is a free service as well. Furthermore, they lied to the new student loan agency they hooked me up with ( XXXX XXXX, I was originally with XXXX ), and said I had XXXX children and whatever else they had to say so that I would have a XXXX balance on my loan repayment and my {$30.00} a month would keep going to Premier Student Loan Center. 

Once I figured out what was going on I wanted a full refund. I talked to a supervisor at Premier Student Loan Center and another agent. I also got my bank involved and brought their fraud department up to date. I was able to get {$600.00} of the {$900.00} they charged for services not rendered as well as a refund on the first $ XXXX monthly charge they withdrew from my account. I closed my account with Premier Student Loan Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to This debt collection agency regarding a debt that is not mine, i asked then to verify the debt with simple information, they failed to provide the information i requested in the debt validation letter i requested for these items listed below ; Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? 
______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission for debt collector if collection efforts are successful : ______________________________________________________________________ REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants Genesis Credit Management the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

YES- NO Have any judgments been obtained by any creditor regarding this account?

YES- NO Please provide the name and address of the bonding agent for Columbia debt recovery in case legal action becomes necessary : they failed to provide the information requested in 30 days.
Product: Money transfer, virtual currency, or money service

So I send XXXX  usd to my niece in XXXX through remilty on XXXX XXXX in evening. And due to weekend it delayed thats agreeable. But now there status is showing that money has been but money is not delivered to her in her bank account. And I am calling them from 3 days and they are saying its in investigation
Product: Credit card or prepaid card

My boyfriend XXXX XXXX had XXXX card, he had his unemployment direct deposit on it, I lost my card mine was being put on so I changed mine to his card also. They accepted first check then two weeks later they cancelled his account after my second check was deposited on it amd wont give access to XXXX on card. Told me I need to get a letter of identity from unemployment, they dont issue them they told me they wpuld request the money be returned but XXXX  wont return it and we need our money. My ne is XXXX XXXX. My spouse is XXXX XXXX XXXX XXXX XXXX
Product: Credit card

breach of contract for failure to inform me of their termination of their business relationship with me. 
violation of the Federal Fair Debt Collection Act of 1977 for filing false information with the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion, XXXX, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Product: Debt collection

On XX/XX/2020 this company opened this collection. 


I have never signed any written consent to the collector that I owe this debt. 
This is violating my rights of the FCRA as a consumer. 
I am not aware of such debt that this collector is trying to collect or have received any information verifying ownership of this account. 

Please have this removed on all three major credit bureaus. 

XXXX XXXX XXXX
Product: Debt collection

I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the XXXX department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX
Product: Checking or savings account

On XX/XX/21, I made a total cash deposit of XXXX to the ATM at Navy Federal Credit Union at the ATM in XXXX, GA on XXXX XXXX. This was around XXXX. I only received credit for XXXX. There is still XXXX outstanding that has yet to be credited to my account. I have a receipt that I will upload that states that they are encountering a problem returning your cast. Please contact your financial institution. I did just that, while I was at the atm. I filed a dispute and uploaded all of the receipts. They issued a provisional credit, however that was revoked out of my account on XX/XX/21. I called the fraud department. They stated that the particular department that handles that or that made the decision wasn't in. I decided to file a complaint. I am not giving XXXX of my hard earned money away. That XXXX isn't NFCU 's to keep. That is my money. Not only that, but they took money out of that account and now it is negative. I am not happy nor appreciative of this issue. I will be filing multiple complaints in order to get this issue resolved.
Product: Debt collection

Call to paid the balance send a cashier check the got the cashier check the charge the cashier check now there telling me a owe another amount
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

TransferWise ( also known as wise.com ) changed their underlying routing and bank account numbers without due notice. Because these numbers are used by my bank for automatic deposits over {$100000.00} funds are currently unavailable to me. 

Wise claims that the funds would bounce back after 5-10 days to the originating bank, but after this period, the funds were still not available. 

In order to resolve, I've had to reach out to their previous banking provider who owns the " deactivated '' account, XXXX XXXX XXXX XXXX. This bank required XXXX numbers for each wire transfer ( 3 total ) which I've had to chase down requiring many hours of my time. 

I still have not received the funds after providing the numbers. XXXX XXXX XXXX XXXX said it could take a week or more. 

Note I do not fault XXXX XXXX XXXX XXXX for this problem, but Wise for lack of due diligence in migrating user accounts to their new banking provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed my credit report, that I monitor thru XXXX XXXX showed that I applied for credit from XXXX and XXXX XXXX Card Services onXX/XX/XXXX. I immediately notified all credit bureaus and consumers that my computer had been hacked and I DID NOT apply for any credit on this day. I have submitted statements from XXXX XXXX XXXX acknowledging that they would remove from report. But it still remains. Consistently contacted XXXX, Trans Union and XXXX TO NO AVAIL.
Product: Credit reporting or other personal consumer reports

I received a credit monitoring alert from XXXX on XX/XX/year> indicating I had two federal new student loan accounts. I did not open these accounts and did not authorize these accounts. I have never taken out student loans for post secondary education. This is fraud and ID theft. I called the servicer, Aidvantage, on XX/XX/year>, and they advised me that the loans were taken out on XX/XX/year> and the person who took them out used my maiden name, XXXX XXXX XXXX my married name is now XXXX XXXX ) and my social security number, but had used a different address, XXXX and phone number. They had also created an account on the federal student loan website so that i could not access any of this information. Furthermore, I have had my credit frozen since prior to this loan being open as well as a fraud alert on my credit report indicating to call me before approving any loan application, so I am not even sure how this made it through and got approved. I have filed reports with : Dept of Education, FTC, all 3 credit reports have been disputed, my local police, and I have filled out the fraud affidavits that Aidvantage sent me ( which took over 2 weeks to receive ). I have received a notice also from Aidvantage via email that the school this person enrolled in has notified them that they have not enrolled in classes so the loan is now in a 6 month grace period which frightens me even more as it could affect my credit. I have received some disputes back from the credit bureaus and they claim the information is accurate and won't remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, Equifax and XXXX that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.
Product: Debt collection

I have XXXX and was notified by them that a collection had been reported to the credit bureaus that I had no notification or knowledge of. My credit score was over XXXX and I dropped XXXX points because of this. I XXXX the company ; Debt Recovery Solutions and found a phone number for them. When I called they state it was a medical bill from XX/XX/2011 from XXXX XXXX. I did live there at this time. I was located in a house for five years that we had purchased outright, never have I received anything. We then relocated to XXXX, XXXX and have still never heard anything pertaining to this account. Now it has trashed my credit and I was NEVER notified before hand.
Product: Checking or savings account

My checking ( debit ) account was hacked, and money was taken out. I had to have the account blocked, and I was reimbursed. I was told to open a new account, which I did. I live in Oregon, and the closest branch is in California. They told me that I had to travel to the branch in California and that the only way this was to be resolved. I had a direct deposit to the old account and transferred the deposits to a new one in Oregon. In the meantime, my deposits kept going into the old account. As a result, my last three paychecks have been deposited into the old account. I spent 15 phone calls and hours trying to resolve this. They told me I had to travel to California and transfer the money in person. I did this once, and it cost me {$1500.00} to travel there. Also, I am a XXXX XXXX and it is difficult for me to make this trip. The bank is Citibank. They need to update their policies. This is my money and they will not release it to me. There should be a way around this red tape. They should do whatever is necessary to take care of their customers.
Product: Credit card or prepaid card

Starting this past XXXX a company called XXXX started charging fraudulent purchases on my Bank of America Visa card. I called BofA, got credit for the fraudulent charges and a new credit card. 

With someone at BofA, I spoke with someone at XXXX  in the XXXX at least three times. They were useless, saying that I didn't have an account with them. Indeed, that's the point. They were singularly uncommunicative about where these repeated charges came from. 

In spite of the new credit card, the same company charged more fraudulent charges on my XXXX bill. How the company got the new credit card number remains a mystery, except for XXXX claiming they have a policy of informing recurrent charging merchants the new cc number. This is insane ; the whole point of a new card is to vitiate such fraudulent charges. 

BofA also claimed to have put a block on XXXX. They've claimed this each month that we've " dealt '' with this issue. To no avail. 

But to no avail. Please see the attached set of statements from XX/XX/XXXX to XX/XX/XXXX, showing recurrent frauds every month, in spite of 5 CCs in four months ( the most recent two CCs I didn't even activate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been building my credit for the past 9 years. I have multiple credit cards such as XXXX, XXXX XXXX, XXXX. I have student loans. I have credits on XXXX XXXX etc. 
I have never had a problem when companies ran my credit. 
However, I recently moved to south carolina and when I tried to buy a car on XX/XX/2018 and they said my EQUIFAX report had a hold. 

I called equifax several times, gave them all my personal info, and they said they have absolute no record of me. I then called my creditors to verify the spelling of my name and ssn and they all said that they report to all three credit bureaus. 

I am unable to get electricity in my apt because of this issue, hence I am unable to move, so I have been paying hotel for an extended amount of time. 


I need urgent help please. 


Thank you XXXX
Product: Credit reporting or other personal consumer reports

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : POLICE AND FIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number POLICE AND FIRE XXXX  Account number XXXX  XXXX XXXX  Account number
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 
In accordance with 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

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 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 ) ( a ) 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 information is inaccurate.
Product: Student loan

In XXXX 2012 I put my loans into forebearance due to financial hardships for 3 months. Navient failed to complete the forebearance on their end and after 3 months my loan was reported as severely delinquent to the credit bureaus. To add insult to injury, instead of just XXXX 90 day delinquency, they submitted XXXX! ( Apparently even though I make just XXXX payment, they consider it to be XXXX separate loans I have with them ). I wrote to them asking for removal of all XXXX from my record or at least XXXX of them as my credit went from mid XXXX to below XXXX, all my credit card limits were reduced to whatever my balance was which in turn lowered my credit even more as now I had several maxed out cards, where prior to that, I had at least XXXX to XXXX dollars in available credit on all of the cards. My appeal was rejected and it has taken the last 4 years to build my credit back up. I was not able to qualify for a mortgage because of that fiasco.
Product: Credit card

I have purchased a violin case from Amazon for {$150.00}. I unfortunately did not realize there was a defect until after the 30 day a-z guarantee. 
The merchant will not communicate with me regarding a replacement. 

Amazon will not assist with the return, since it is past the guarantee timeline and they say the merchant is fully responsible. 

Synchrony Bank has not provided a resolution, with the reasoning of not having a claim submitted through Amazon. It appears there is no protection for the consumer to receive a defective product. 

My instruments are expensive, and I refuse to keep them in a case that opens on its own. I also believe it is unjust for a consumer to assume responsibility for a defective product.
Product: Debt collection

I have been receiving phone calls from Discover about paying off my credit card debt. I have told them that I am working with a debt consolidation company to resolve my debt yet I continue to receive calls. They are rude and make very vague threats about this is our last time trying to call before we take further action. They have now began to call my mother, whom I live 700 miles away from and has no involvement in ANY of my finances. They are calling and threatening her now. This is so wildly inappropriate and should not be legal to contact my mother about MY account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have constantly contested the inaccuracies in the following information with Experian and XXXX and unfortunately, the issue remains unresolved to this day. 

Experian : Public Record : Type : XXXX  XXXX Bankruptcy Reference XXXX XXXXXXXX XXXX : Public Record : Type : XXXX  XXXX Bankruptcy Reference XXXX XXXXXXXX