23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I called my loan servicer ( AidVantage ) I was told that I needed to reconsolidate my loans to get credit for XXXX payments going back several years. When I applied for consolidation at XXXX, the online offers included a 3 % interest rate at approximately XXXX XXXXXXXX. If this stated " as low as '' or something similar, it was not clear. 
I understood it to be the exact rate they were offering since it used my tax return. I selected AidVantage since I was already working with them. When I received the information in the mail about my consolidation, it said my interest rate would be 7 % and my monthly payment around XXXX XXXX I called AidVantage. They said I needed to speak to XXXX. I tried calling them several times, one time being in the queue for 20 minutes when it started ringing and then I got a message that my call could not be completed and it hung up. I just got someone on the phone at XXXX ( after being on hold for 40 minutes ) who is telling me they can not do anything because this is a loan servicer issue. 

The reason I reconsolidated my loans was for credit towards forgiveness going back further than what was showing. When I called AidVantage they told me this was wrong information and the agent wouldn't have told me that. I asked if the calls were recorded and they told me yes, but would not listen back. AidVantage was now stating that I had 0 credits towards forgiveness because I reconsolidated. 

I don't know what to do and feel like I was taken advantage of. I work in banking and have to go through trainings. One of the trainings said that we can give deceptive information. I feel like this has happened several times here, starting with the rate quoted online. Does this same deceptive information law apply to student loans too? 

Thank you for any help you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I realized some unauthorized inquiries on my credit report so I called the creditor contacts listed on my report and they advised me to call the credit bureaus directly which I did. The bureaus advised me to submit and IDENTITYTHEFT.GOV report which I also did and even contacted the police. I submitted all paperwork requested by the bureaus XX/XX/XXXX CERTIFIED mail with return label which included my ID, SSC, and UTILITY BILL proving my address and identity. Until this day unauthorized inquiries are still there and THEY ARE NOT MINE! Please advise them to follow the law and help with removing these UNAUTHORIZED INQUIRIES. Thank you
Product: Debt collection

So me and my wife separated and I left the home on XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX until my ex wife left the home on XXXX XXXX. Then on XXXX XXXX I went threw the mail and when I seen the notice from XXXX XXXX so on the XXXX I filed a motion and in the mean time I have tried and tried to speak to Levy and Associates LLC and no one will return my phone calls or speak to me and they went and started a bank lean without notifing me or anything. I know I don't owe the debt but they wouldn't get back to me or anything so can I please get some help fast. I feel I was done wrong and I hope this is the right department to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this
information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in two separate refund transactions : {$25.00} and {$190.00}. 

On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received one refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. 

PayPal 's Dispute ID : XXXX XXXX XXXX contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour, and was ultimately unable to resolve the issue.

Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE.

On XX/XX/XXXX I contacted Experian to request they remove this unverified account, have not received a response as of yet.
Product: Debt collection

This Corporation has shared my information with Credit reporting Agencies. This IDENTITY THEFT XXXX XXXX. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.
Product: Debt collection

I have a company Credit Collection SVCS reporting two times to my 3 credit reports that are not they are fraudulent and not mine.
Product: Mortgage

I have recently had a flood in my house and received a disbursement from my insurance company for around {$41000.00}. XXXX forced me to turn these funds over to them ( presumably so they can collect the interest while they hold on to my money ). Since then, I have been dealing with their internal documentation process which has caused delay after delay after delay. They are denying paperwork that is completed properly to cause delays. Every time I call to get a disbursement, I am told it's 4 to 6 days out. My leak was on XX/XX/XXXX. I sent the check to them on XX/XX/XXXX. It is XX/XX/XXXX and they have still not mailed a check to me to pay for my repair work. I have already had to pay {$5000.00} out of my own pocket to pay for the work to get started and I don't appreciate them holding my money and refusing to mail me any amount to pay for the repairs I need to have done in my home. Please get them to escalate a check to me immediately for at least {$10000.00} to cover my initial payment of {$5000.00} and give my contractor another {$5000.00} so he doesn't walk off the job!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 loans that are XXXX to XXXX years old? Is that fair when I know for a fact they should be gone and Im always told it will be gone in 7 years? Here are the pictures of how long these companies will hold on student loans against someone. It isnt fair it isnt right. I have tried every way to get these removed and they are still here? Why? Why! Why? XXXX to XXXX year old student loans. Im tired of being mistreated wrong. Im tired of having bad credit due to overly old situations. This isnt fair this isnt right 6 loans thats been on my report for over 10 years.
Product: Credit reporting or other personal consumer reports

This is a complaint that this company is in violation of the FCRA. On XX/XX/year>XXXX  I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Product: Debt collection

Approximately during the month of XXXX, I upgraded my internet service with XXXX XXXX XXXX. A month later I received two bills from XXXX XXXX XXXX and when I contacted them, they said I only had to pay one bill. Approximately a month later, I received a letter from XXXX XXXX XXXX stating that if I did n't pay my bill, I would be send to collection. Again, I contacted XXXX XXXX XXXX and they confirmed I did not owe anything. Then again, I received another letter and XXXX XXXX XXXX said I did n't owe anything. Now, I received a letter from a collection company ( Franklin Service ) dated XXXX XXXX2017,  and they are asking for me to pay {$80.00}. I immediately contacted XXXX XXXX XXXX and they confirmed I did not owe anything. I also contacted the collection agency to inform them what XXXX XXXX XXXX told me. The collection agency is not wanting to remove the amount I supposedly owe because XXXX XXXX XXXX has to contact them. I have tried talking to XXXX XXXX XXXX and they say they are unable to do and unable to send me a letter stating I do n't owe them Anything.
Product: Bank account or service

Citibank promised me a {$400.00} bonus if I opened a checking account with them, deposited {$15000.00} and maintained that balance for 30 days. They were to have deposited the bonus after 90 days and failed to do so. I called and complained, they acknowledged that I 'd met the necessary requirements and admitted that they were " aware of issues '' regarding the bonus payment generally. I still have n't received my bonus.
Product: Credit reporting or other personal consumer reports

These reported late payments are not in line with my usual payment behavior.
Product: Credit reporting or other personal consumer reports

Could you please erase these inquiries? I lack any knowledge concerning them, and they were carried out without my permission by the company.
Product: Debt collection

I HAVE NEW and UPDATED information regarding the previously submitted claim. 
I have contacted CFPB previously regarding this company reporting negative information to my consumer credit report ( claim XXXX, XXXX, XXXX ) I have sent them a cease and desist, I have requested for validation of debt, and they keep sending the same information that does not validate this alleged debt. I have never contracted with them nor authorized this. I filed an FTC report, and yet they have closed the complaints and still reporting. 
I have contacted the XXXX  regarding the same issue and NCB has responded that they have ceased all attempts at communicating with me, however, they still are reporting the negative information to the credit reporting agencies and a consumer credit report is a medium of communication. 
This company not only has committed identity theft but continues reporting negative information after a cease and desist.
Product: Credit card or prepaid card

I used the XXXX XXXX app to dispute charges. There were multiple charges that I didnt charge. They did take some of the smaller charges off but the larger ones were not taken off. Im unable to access my account online so I called XXXX XXXX for all documents regarding my transactions and disputes. I was told that they didnt have them and they were sent to collections ( Suttell & Hammer ). I stopped making payments after they refused to remove the charges I disputed. I applied for e statements so I dont have any paper bills or statements. I also didnt receive a validation letter or any itemized charges from collections. I didnt receive any proof that I in fact used the card for the disputed transactions. Im being sued for {$5600.00}. Unfortunately my bank account I was using at the time has been closed. I made multiple payments. The credit limit was {$5000.00}. When I stopped using the card and stopped making payments the balance was around {$3000.00}. I really need statements so I know exactly how much and when I paid. The collection agency called multiple times a day sometimes as late as XXXX. I believed the charges I disputed were made by a employee without permission and my wallet was also stolen. I made a police report but unfortunately in the report they didnt specify what was in the wallet. So I really dont k ow who charged the card. I received a letter from Suttle and hammer stating they would accept monthly payments of {$150.00} a month until the balanced is paid in full. I do not want to accept that. Id rather pay one payment of {$1000.00} or make monthly payments of {$100.00} for 12 months. If they wont accept that Id rather just not pay anything. Should I send a counter offer letter?
Product: Debt collection

Good Morning, I'm receiving several phone calls from Franklin collection svc, daily even after XXXX on a Sunday. I contact them several time last year .I also file a complaint again them asking for Verification of this debt that .I have no idea about they remove it from my credit report they place it back without sending me a notice for me to know what this debt is about they call me at work contact me on my cell phone several time a day I .asked them to send me in writing physical proof of verification under FCRA 15 u.s.c 1681 all unverified account must be prompt deleted therefore if they are not able to provided me with a copy of verification they should not be reporting and flagging my account several time per week Thank you
Product: Prepaid card

I have been unable to use multiple Amex prepaid cards at multiple locations. Transactions have been declined at all of the major US retailers I have tried.
Product: Debt collection

Remove the following name codes and address codes from Experian data bases regarding XXXX XXXX The following codes are to be deleted and report updated immediately Name Codes -instruction is to delete the following XXXX XXXX XXXX XXXX XXXX XXXX Address codes/ ID -instruction is to delete the following XXXX XXXX XXXX XXXX CT XXXX XXXX
Product: Debt collection

Dear Team atXX/XX/XXXXI hope this message finds you well. I am writing to express my concern regarding my ongoing dispute. I noticed that my account has been marked as verified and accurate, which is puzzling given that unrelated information has been updated recently. 

Since this issue began in 2020, following its origins with the merger with XX/XX/XXXX and its subsequent transfer to your collections, I have diligently disputed this matter. Unfortunately, my personal information was used to open accounts without my authorization. 

Despite providing the necessary documentation multiple times, I have yet to see any progress. I genuinely believe that with your assistance, we can resolve this matter effectively. 

I appreciate the steps taken to rectify the situation by removing certain items from my credit report, but I would greatly appreciate any further help you could provide in addressing this issue. I am more than willing to supply any additional information you may need. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

I gave boa {$3000.00} to secure a credit card in XX/XX/2019. 14 months later they have not returned the funds. Lying cheating thieves, this has been voiced in previous complaints. So far cfpb has done NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted company to make an over the payment. I made payment but company representative never submitted it. Company ( GM Financial ) later reported missing payment on my Credit report. I called company to fix inquire about problem and was told by representative that it was not my mistake and transferred to customer service. XXXX XXXX at customer service ) told me he was going to help me, that he needed to talk to his supervisor and that he would call me back. When I asked him for written proof that payment was made on time, he refused to provide it. Missing payment is still on my XXXX credit report and my credit score dropped 133 its because of this neglectful incorrect repor. 

I've never had any late payments with GM Financial or any of it's affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. 
I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian 's chat line to discuss their algorithm. My concern is that they are adding and subtracting points based on my use of my credit during a period before the payment is due. I pay 100 % of my balance due each month. I do not use more than 30 % of my available credit line. But, Experian is using the amount of credit on an account that is charged during a billing period. I asked Experian about why this is included in their algorithm and they stated the following : " The algorithm is calculated by an automatic system. However, I insist for you to reach out to a credit advisor. They can give you details about why the score changes on your credit report occurred. '' Candidly, I do not believe that I should be required to retain a credit advisor to provide an answer to the question about changing my credit score based on my balance during a billing period. The balance of outstanding balances due that are in arrears after payment of the balance due should be the factor. If a consumer pays 100 % of the balance due each month, there credit score should not be affected by the outstanding balance that is not due during a billing period. My credit score has been increased and decreased based on the balance during a billing period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Collection Services  is reporting on my credit report for   XXXX   XXXX    ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've   contacted  Allied  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Possible Account # XXXX, XXXX XXXX XXXXXXXX Account # 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: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX XXXX 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 pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank/Comenity Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify Comenity Capital Bank/Comenity Bank to do the right thing and remove the unauthorized hard inquiry from XXXX. XXXX also confirmed that Comenity Capital Bank/Comenity Bank XXXX XXXX. 

On XX/XX/XXXX, Commenity Capital Bank/Comenity Bank said the following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''