23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not make any inquiries concerning CAP ONE VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX, XXXXCAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I moved from XXXX to the XXXX. In XXXX, I used Revolut for a very long time. When Revolut opened up in the US, I wanted to have a Revolut  account on my US phone. Revolut asked me to close my account in XXXX and then open one in the US. When I closed my XXXX, I had to forego my premium plan and lost money there. On XXXX XX/XX/2022, I got confirmation from that my XXXX account and the related cards were closed. 

When I tired to open the account in the US, the system said that there is another account associated with my email. When I tired with a different email, they told me that I failed verification and that I have an account with my first name, last name and DOB. I tried approaching Revolut customer services ( XXXX XXXX ), unfortunately they have a customer services that only answers generic questions but not customer specific question. They asked me to try from the app but that did not work. Revolut then just closed the case with no resolution on XXXX XXXX. 

I am very unhappy with Revolut  and certainly will not use their product but I want to know why my email is still showing active and how are they using my personal information given I closed my account. I suspect a data privacy and data usage issue here.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} 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

Went to a car dealer ship and was told they would only run my credit report with one bank, and they ran through 5 banks. 

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 No car was purchased. Did not ask for a inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was declined, did not ask for this. 
XXXX XXXX XXXX Did not ask for a increase. Denied. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We applied for a loan to do some upgrades on our house with XXXX. They, in turn, had us finance with Renew Financial. We had no option at the time. Unfortunately for us we did not read the fine print. We did ask if there was any prepayment penalty ; we were told and read that there was not. 

We decided to prepay this loan. We paid it off on XX/XX/2019. It was recorded as paid in full at the XXXX XXXX XXXX County Assessor 's office on XX/XX/2019. 

Our tax lien payment of {$1500.00} was sent out to Renew Financial on XX/XX/XXXX, XXXX from the XXXX XXXX XXXX County Assessors office. 

Yes, it is the same date. 

I have repeatedly called to get our tax payment back ( with interest ). I have been repeatedly been told not until XX/XX/2019, no interest. 

My question is, why, when the loan is paid off, have they held our tax payment? And then, why no interest paid. They have had his money for over 6 months. Why? 

When I called today, XX/XX/2019, to ask where my refund is, I was told there was an internal problem and that the checks went out on Wednesday XX/XX/2019 from their XXXX, CA office. 

I have no receipt of a check reimbursement as of XXXX XXXX, XX/XX/2019.
Product: Student loan

I have chosen two because there are so many. I received both of these statements on the same day. They are dated XXXX XXXX, one says my new payment will be XXXX, the other XXXX. I can not afford either.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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: Money transfer, virtual currency, or money service

-I saw an investment AD online that guaranteed triple your investment within 24 hours. I invested {$3500.00} through XXXX and then realized it was a scam when I tried calling about my money and they just kept asking for more. Months later I did not get anything. I tried reporting it to my bank and they rejected my refund of getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you
Product: Checking or savings account

Wells Fargo consistently picks and chooses what they will allow to come through when my balance is insufficient and is usually the higher dollar amount rejecting the lower dollar amount and then assessing multiple overdraft fees wiping out my check. I authorize overdraft for emergency situations when I need groceries or other items and I am short on funds but feel that Wells Fargo is in violation and using the higher amounts coming through to ensure their overdraft fees knowing I am unable to come up with the amount. Allowing one to come through, rejected two then allow another high amount to come through. My account is {$390.00} in the red with 3 overdraft fees assessed after allowing a large phone payment, a loan at {$100.00} to come through yet rejecting payments on loans while allowing the subscription fee to come through. I am sick of large overdraft due to how they choose to process and am looking to get a new bank as I now won't have money to pay bills that I needed paid this payday due their processing. This has to be illegal as I would never agree to allow {$200.00} + to be approved in just a few transactions and XXXX + overdraft. The extra day grace period is a joke as I can't come up with over {$200.00} between pay days and they know this. I am done and want this resolved. XXXX XXXX was willingly done on my part due to the threat of cancellation XX/XX/24 {$170.00} as it wouldn't be that much over, however they allowed XXXX XXXX charges to come through {$23.00}, {$13.00} and {$29.00}. An amount of a loan {$100.00} on XX/XX/24 and {$5.00} membership fee for XXXX yet rejected the repayment of {$53.00}. Recently allowed XXXX XXXX through for {$7.00} when my balance in the red over {$300.00} due to the XXXX {$35.00} fees assessed for the membership fee, XXXX and the {$100.00}. also rejected XXXX for {$55.00}. This is not good practice and they know a customer can't come up with that amount between pay days.
Product: Credit reporting or other personal consumer reports

I originally loaned the car from XXXX XXXX XXXX and they went out of business and sold to XXXX XXXX. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted XXXX XXXX to see why this is happening and only thing they tell me is I can contact XXXX XXXX XXXX. I cant contact XXXX XXXX XXXX because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to XXXX XXXX XXXX because it doesnt allow me to log into their website anymore, its automatically transferred to the XXXX XXXX website.
Product: Vehicle loan or lease

So I had purchased a XXXX  XXXX XXXX XXXX On XXXX XXXX I was paying a note on the car so after like a couple of weeks my car started to act up I took it back to the dealership so they can take a look at it I cant remember the date to that but I took there I guess they fixed it but the same problem happened again so this time I took it to XXXX they fixed it everything was fine up until one day a lady hit me from behind and made me run into some one else credit acceptance called me and I told them where the car was they told me I still had to pay on the car that was understandable they also stated that they was not picking up the car from repo! So years passed I couldnt afford to pay anymore.
Product: Debt collection

Contacted me many times throughout the year XXXX. I filled a dispute because the original hospital never sent me a bill or billed the correct insurance. The only time a bill was sent to me was 4years after the service date and at that point it was already sent to a debt collector. The debt collector said I could resubmit through insurance but then the debt collector resubmitted through the incorrect insurance again. The amount was for over {$600.00}. On XXXX XXXXXX/XX/XXXXXXXX  I received another phone call saying I must pay this bill, when I said I wont do that because my insurance was never billed she said ok refusal to pay and just hung up. I never finished talking or asking my other questions. Now I cant get in contact with them. The company is assetcare. I was told the correct insurance would be billed. It never was and then I was told another date that it cant be billed to the correct insurance and that I must pay the bill that day. They also call from number of my area code in hoping to get an answer. Its is very misleading.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : COVINGTON CREDIT/HFH Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMER CR ACPT XXXX Date Opened XX/XX/2017 Balance {$15000.00} Isnt your agency supposed to report only the accurate information? There are two different dates of date opened and three different dates of last activity reporting. and lastly, This late payment might have been incorrect and your agency just reported it without even verifying it. Did you know that its a violation? I am certain that this kind of reporting is a violation of the FCRA.
Product: Debt collection

I reached out to Navy Federal Credit Union XX/XX/2020 in an attempt to settle an old debt to repair my current credit score, and status. There was no response from the company whatsoever. I then received a letter in the mail from a debt collection agency in connection with Navy Federal Credit Union on XX/XX/2020 dated for XX/XX/2020. I then attempted to access my account online to again attempt to contact someone about settling my debt/account ( s ), only to find out that my account access had been restricted. I then begin to search for what could be done to assist in achieving the repair to my credit. I then found that this is a common problem with the unfair debt collection activities conducted by Navy Federal Credit Union. They currently have a standing Consent Order that I found on your site which made me want to reach out with a complaint against them. 

*File No. 2016-CFPB-0024* This consent order clearly states in several sections that when they are conducting debt collection practices they are not to conduct business in a certain manner. I have thoroughly read through this consent order and found numerous violations to this consent order that was issued in their attempt to collect a debt from a consumer, mostly revolving around unfair acts or practices in their debt collection practices that violates this very consent order. 

The violations that pertain to my personal complaint are as follows : *File No. 2016-CFPB-0024* - Article IV : Paragraph 11, 23-28, 60-70, 72, & 79 - Article V : Paragraph 80, 80.b, 81.b, 82.d, 83.b - Article VI : Paragraph 85.c, 85.f, 85.g, 85.h, 87 - Article VIII : Paragraph 93.g, 93.j - Article XI : Paragraph 108.b - Article XIII : Paragraph 112.a - Article XVII : Paragraph 112.a
Product: Checking or savings account

I opened the Business Checking account at American Express online after filling out required account details however, somehow my business 's TIN number is showing up in both the actual place where TIN is supposed to but also as my personal SSN. I have tried numerous times to get American Express to fix this mistake and they are asking me to close this account completely ; get a new TIN number as the company would not allow me to use the same TIN and reopen a brand new account with the new TIN and SSN. This is unacceptable and having to get a new TIN is an entire process with cost and time issues.

The company must fix this at the earliest rather than cause me further delays and heartaches making an unreasonable demands.
Product: Credit card or prepaid card

In response to a promotional offer from American Express and Delta Airlines, I applied for and received a Delta Sky Miles American Express card. The promotion promised a {$50.00} credit on the American Express account and 30,000 miles on my Delta skymiles account, so long as I spent {$1000.00} within the first three months of having the card. I received the card on XXXX XXXX, 2017. I charged over {$1000.00} in the first month and paid that amount in full when I received my first statement. When I did not receive the promotional benefits after I paid the first statement, I contacted American Express. I was told that there could be a several week delay in getting the benefits but that the latest I would receive them would be 3 months after the activation of the card. After 2 months and still no benefits, I called again. The customer service representative assured me that the benefits would be applied no later than XXXX XXXX. When I still did not receive the benefits, I called American Express again on XXXX XXXX. At this time, I was told that the matter would need to be sent to the escalation department and it could take another week or so to resolve. There is no reason that a consumer should have to contact American Express multiple times in order to receive a promotion that American Express and Delta committed to providing.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - Contacted XXXX XXXX XXXX is reporting a balance and there is no Balance {$100.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted an apartment complex named XXXX XXXX in XXXX Az as i had recieved an alert on my credit profile as to a derogatory mark put on my report. I looked at it. Never have I lived in there apartment community nor have I ever in my life lived in an apartment. I contacted XXXX XXXX and explained to them that I have never had any accusation with their company in any way. They stated that they have a signed lease agreement between myself and their company. I informed them that that was impossible. I tried to discuss options to get thisa removed and the only solution is that i pay {$3700.00} for a debt that is a completely false representation of facts. And that I am not responsible for and had no knowledge of this facility even existing until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the problem. So I asked if they could print a copy of the contract so i could see it. The person told me that I had already wasted an hour of their time and that she would not be sending me anything. Next i Contacted the Credit bureau and expressed all my concerns to them. They said they would investigate the situation and for me to send them any documentation to verify my claims. How do you actually do that? Something I am not responsible for and for a place I had never heard of? Makes no sense. Approximately 10 days Later I recieved a letter stating that they determined it was an accurate debt. That I am responsible for it and that it will remain on my credit profile. Which I don't understand how a company is allowed to just submit unverified debts. I resubmitted resubmitted my dispute in the form of a 609 dispute letter twice. With no response which is ridiculous that Credit Bureau Companies are not held to an equal standard for all. There ethics and integrity are absolutely flawed with no reproductions for their part in the false representation of facts. Now I send the information to Consumer Finance and can only hope they can assist. I should not have to hire a lawyer because a company creates fraudulent debt.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX was applied for and opened in my name on XX/XX/2022 with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.