23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have four loans with American Education Services. Since XX/XX/2023, they have misapplied my payments every single month even though it is on auto debit from my bank account. I receive emails and letter in the mail stating that my payments are late. They are not late. 

I have to spend my time chasing them each month and it takes days each time to correctly apply the payment. They charge me " late fees '' and report it to the credit bureaus when my payments are not late. AES is the one who can not properly apply my payments. 

This is unacceptable. They are trying to charge me fees for their own mistakes and ruin my credit.
Product: Credit card or prepaid card

ok well i have a pre paid paypal account and today just a few minutes ago i got a email saying my new master card pre payed paypal has been activated and i havent activated a any new card plus the paypal card i have is over balance and idk how. so someone keeps activating a card in my name using my email and i cant get through to no one in paypal to help me close the account or deal with the fraud.
Product: Debt collection

I have been receiving emails from " PayPal '' over a span of months saying there have been " suspicious activity '' regarding my account and that my account has been frozen. I have not used my PayPal in a very long time and it is connected to a bank account I no longer use in a different state. Needless to say, I tried to log into my account to see if there are suspicious charges. I checked my bank account and saw nothing and also tried to login to PayPal and the login screen kept refreshing and popping up. I couldn't get into my account so I tried to contact their support and could never get ahold of anyone. Because nothing was coming out of my bank account I disregarded it since there is no money in it anyways. I just got an email today saying that my account has been sent to collections ( PayPal logo on it, along with a new help number to contact on the bottom ). Called the help number to PayPal and all of a sudden they answer. I explained to them I have been trying to get ahold of someone for months and they told me my account is locked and would not lift the lock until I called another number. I called the number and it sent me to the collection agency. They asked from a auto system for my social security number or the case reference number ( which was never given to me in the email ). I was on hold for 30 minutes and I told them I'm not giving my social security number. They asked for the last 4 digits and I said no. They asked for my current address and I said they don't need it. I told them I wasn't paying anything until I got into my account to see the fraudulent charges in person and a paper trail and they said " PayPal has not sent any paperwork to us '' and the more I asked for proof or a paper trail they then said to not worry about anything anymore. They stopped all charges from my PayPal and that I didn't owe anything anymore. None of that made any sense. 

Not only this. The first time I tried to contact PayPal was when I got an email notification of a receipt saying someone used my account to purchase a XXXX dollar XXXX XXXX XXXX. Which I have no record of. Which is obviously a ploy to have me contact these people. 
These companies not only stole PayPal logo and pretended to be PayPal but they even have people over the phone pretending to be their help service which isn't the numbers listed on PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 XXXX XXXXXXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX XXXX 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 : 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 with 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 information is inaccurate.
Product: Debt collection

These accounts have been on my credit for more than a year and has caused me harm I am requesting {$1000.00} for each month that this account has been listed on my credit and immediately removed from all 3 credit bureaus. These accounts report open and they are not it is a violation of the FCRA and is in violation of XXXX Compliant Reporting standards.

Debt {$990.00} Debt for {$1900.00} Debt for {$460.00} Debt for {$410.00}
Product: Credit card or prepaid card

This credit card was opened fraudulent and continues to report on my credit report in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX , XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX RV Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX BANK AND XXXX BANK was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase and bought Bitcoin on XX/XX/XXXX. 
I did not do much with my account until XX/XX/XXXX, when I sold some of my holdings. Then, in XXXX, I tried to buy some more. But, after repeated efforts on my part and vague unsatisfactory responses from Coinbase, I was notified that, 'due to security reasons ' my transactions were blocked and could not be unblocked. No further reason was given. 
Now, in XX/XX/XXXX, Coinbase sent me an updated agreement. I can not advance in the website without signing the Agreement. I still have some holdings with them. I am not sure if I can sell these. 
I hope you can help me with this problem. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. XXXX, transunion and XXXX are allowing these creditors to report incorrect information to my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX Went to car lot customer service asked for a paperwork for car going to auction Guy told me to call XXXX Spoke to XXXX on the number Advise to get a copy of the paperwork that the car went to auctions She transferred me. 
( Waiting on hold ) ( caller number1 ) XXXX She said she wasnt sure on why i got transferred to Asked for my name and number then hung up the phone Called back at XXXX Started the hold process all over Got XXXX again explain to her she need to ask someone who i can get the paperwork from. She said she wasnt transferring me just gone put me on hold, then someone named XX/XX/XXXX, XXXX AM XXXX sent possession letter and verified my email and he is putting in a request for the other of the letter copy it takes a few days Said its Can you know what holiday he nasher? How long it takes to get there? But once he get there, he will call me and he'll forward it to my email. 
Received XX/XX/XXXX, XXXX AM I called and Spoke to XXXX XXXX again XX/XX/XXXX He forwarded a letter of possession I emailed again an asked for the defenincy letter he said I couldn't get a that letter they sent me a XXXX as if they sent me XXXX and they filed it as a tax return write off with their company I told him I hadn't seen any other this paperwork he said he hadn't doubted tht I had and that what he sent me was all I can receive and tht I still owe the debt
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Genesis Bankcard Services and asked to a payment history sent and they have different dates than the reporting dates as well as. The open dates and charge off dates are in my credit reports. I asked to have the inaccurate information removed from my all three of my credit reports in XX/XX/2023 and I have yet to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00}, XXXX OF XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Bank account or service

About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to buy tickets off of XXXX for a concert. After about 15-20 minutes of constant back and forth through text message, I had agreed to purchase each ticket one at a time. The scammer said he only used XXXX through Bank of America. Since I figured BofA is a trusted bank, if anything should happen I can just reverse the transaction and it should be fine. Well fast forward to me paying {$75.00} and realizing the person was a scammer and did not send me the tickets via XXXX. I reached out to Bank of America and since I initiated the transfer I was not protected by fraud/scammers and therefore unable to retrieve my {$75.00}. They were unable to get the money back even when they said the scammer also had Bank of America. Its very frustrating knowing that BofA allows scammers to use they bank account for fraudulent charges. I had even filed a police report regarding the stolen $ $ and nothing had since been done. So disappointing and very frustrating that these big banks arent able to provide protection on these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Consumer ADJ CO Acct # 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

XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.
Product: Student loan

Through out the freeze Navient has consistently advised that I had to make payments even though there was a freeze by the government. Also they have collecting/charging interest on my loan when they should have From 2020 to now. They also advised I must redo my IDR prior to what is on XXXX and when you reach out to them they do not answer you in full. They will blame you or anyone but themselves. Prior to 2020 they never told people how to apply for forgiveness.
Product: Payday loan, title loan, or personal loan

I was out of work for a couple of months and I fell behind on a lot of things and my XXXX XXXX loan was one of those things. Now that I'm back to working I've been trying to catch up. So, on Wednesday XX/XX/2018 I received a group text message from a representative from XXXX XXXX by the name of XXXX. The text message stated " This is XXXX form XXXX XXXX. I have to have one full payment today or collections has requested start of legal process for judgement/wage garnishment. Please call me XXXX '' Although, no names were mentioned in this group message we know with today 's technology it's not hard for anyone to find out who the numbers belonged too. I'm not trying to diminish the fact that I owe XXXX XXXX because I'm well aware of that. I do have a major problem with my privacy not being protected. This issue has caused me embarrassment and major XXXX.