23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I entered into a rehabilitation agreement with Ascendium/XXXX  ( made payments to XXXX XXXX XXXX- see below from their website ) in XXXX and paid six on-time payments. Based on the Federal Moratorium Law instituted by the US Federal Government ( " If you have a defaulted federal student loan and enter a new rehabilitation agreement during this pause period any date since XX/XX/XXXX the suspended payments that would have been made from the beginning of your agreement through XXXX XXXX, XXXX, will count '' - studentaid.gov ). I did not make my last three payments. Based on this new student loan Covid Relief law I should of received rehabilitation credit for the last three payments even though I did not actually submit these payments. 
Consequently, I was under the assumption that my rehab program was successfully completed on XX/XX/XXXX. I initially called XXXX ( collections agency and the agency that sent my all of my rehab documents ) and spoke to XXXX ( XXXX XXXX ) to check the status of my rehab program. She advised me that I indeed completed the rehab program with their company and sent the information to Ascendium/XXXX. She also advised me to ask a representative at Ascendium/XXXX  about my post-claim status. I called Ascendium/XXXX  on XX/XX/XXXX and spoke to XXXX. She advised me ( after getting guidance from her supervisor ) that I would have to pay the last three remaining rehab payments to XXXX or I would have to " wait in the back of the line '' behind all of those who made the nine required rehab payments per Federal law. I explained to her about the Federal rehab payment moratorium and that I should have received credit for the last three remaining payments based on this law. She said she could only tell me what her supervisor stated I must do to finally have my loans rehabilitated. I was highly upset because I am finally trying to pay my loans back. 
This is not possible if they do not allow me to rehab my loans, successfully. I feel XXXX is ignoring the law and treating my rehab program/others with an unfair and prejudice lens. I would like to know the status of my rehab program and when I will be expected to continue making future payments on my loans. 

XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX
Product: Checking or savings account

XXXX   XXXX   XXXX  posted a check for {$1800.00} to  Ally  Bank last week via express mail and it has still not been received by the Bank.   
The 1st check was returned and   I need this matter resolved.
Product: Payday loan, title loan, or personal loan

XXXX XXXX from Commentity Bank reported that I had two late payments when I was never late on a payment. I paid off the balance earlier than expected even.
Product: Money transfer, virtual currency, or money service

PayPal is practicing fraudulent activities by holding the seller funds that were cleared by XXXX since XX/XX/2020 thru Buyers and Sellers Transactions on XXXX for the amount of {$1100.00} that they owe me. The buyers were satisfied and the money was made available to me by XXXX thru PayPal. I have been doing purchasing and selling thru PayPal for years and never had a problem when they charge my credit card on file with them. Now when I am requesting my money they owe me, they refuse to release it to me. They are now requesting that I scan and download my verified Drivers License or my Passport and my Social Security Card. I dont mind scanning and downloading my Drivers License that is verified by the State of Florida with the Gold Star on it which is the latest approved verified Drivers License, but scanning and downloading my Social Security Card is a sure way for Identity Theft especially since they have my social security # and my credit card on file which they have been charging for years with no problems, Therefore I should not have to scan and download them my Social Security Card to get my money since they have had my credit card on files for years with no problem. It seems that PayPal is creating problems for any consumer who is requesting their money so they can create a XXXX XXXX for their own use by denying their customers like me their money for as long as they can, I have tried to contact pay pal all i get is automated service with no result.
Product: Credit card

I asked for help back after the fire.. the card my phone and all my everything burned up in the fire.. plus 2 dogs and Im a veteran! I never got a replacement card so I didnt know what charges were in there and the entire card is charges I believe from yall.. I paid XXXX $ asking for a call back in XXXX I believe then my phone broke I have a message phone temp. XXXX and am at XXXX XXXX XXXX XXXX XXXX still 1 months without help at all and now need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this card is refining my credit and Im working with XXXX XXXX to fix my credit but how can we fix it remove all thes charges and help me get back on track? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Va and XXXX are not helping me plus my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. plz help me with this card I can use this email and plan to try to get a new phone Im on XXXX and have been since XXXX and also XXXX XXXX XXXX  and working to get that increased.. my XXXX is worse than ever and I just need my credit to reflect i want to fix my credit and even the Va  isnt helping me.. housing is non existent in Nv  for veterans, I got approval for housing 2 months ago and am still stuck in this XXXX XXXX XXXX plz help me remove these fees and tell me how the bill got so high.. I believe I used it 1 or 2 times and like I said am trying to rebuild my credit.. unable to work and even today have to use a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX plz help me out! I thought XXXX XXXX my ry to start over and use capital one help me fix my credit.. thought it was closed or replaced so I could see what was charged to the card but I never received a call or anything about all these fees plz help me so I can have the XXXX I paid toward this card.. if you remove the remaining fees I believe we can start over and begin again! Plz and thanks.. Im a proud Veteran and want to help my fellow vets but my credit sucks from the effects this card is putting on my credit score.. plus I havent charged anything since the fire so??? Help plz
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello I have been trying to open a credit card for a long time now and I keep getting denied I looked at XXXX and I seen A credit card opened XXXX XXXX I get several texts saying account blocked from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And got a letter for a cell phone company I do not use that went to collections - XXXX Also A installement company and I never used installments
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight LLC, consumer reporting agency must correct, or delete inaccurate, incomplete or unverifiable information, must be removed or corrected within 30 days. The agency didn't request documents I didn't receive documents related to the reporting, police reports, Accident reports, all reports on file, and remove all negative information that is seven years old. HireRight reporting agency is giving fraudulent information without investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$89000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Syndicated Office Systems is currently reporting on a debt, in the amount of {$190.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to University XXXX XXXX. Syndicated Office Systems does not own the debt. I have a contract with University XXXX XXXX and not Syndicated Office Systems.
Product: Credit reporting or other personal consumer reports

I was denied an account with a credit union because of the number of different names attached to my credit report file with Experian. 

Experian has a number of different spellings and variations of my name and one totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Product: Debt collection

Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over XXXX $
Product: Credit card

Care Credit had me fooled into applying for promotional 24 months no interest charges if balance paid within time frame. This was a deferred interest credit promotional offer and I was not aware. Upon the promotion end date, I was charged {$860.00} in interest based on a balance of {$1100.00} owed. My statements weren't mailed out because I opted for digital statements which aren't mailed in detail in email and you must log into their app to view. I wasn't aware of when the promotional deadline would end in XXXX. Due to this I was charged this large deferred interest amount and found out only once the charge occurred by putting this credit card over balance of amount borrowed which XXXX alerted me of credit score changes once reported to the credit bureau. 

Upon finding out this way this week, I immediately called Care Credit to discuss. They were not helpful, didn't detail what accumulated to the {$860.00} deferred interest charge, and told me nothing could be done to reverse it. How is this possible? This interest charge is absurd for what I owed. I want to know what can be done to appeal or fight the charge. Why would the amount be this high? I am lost for words for what they did and how it was miscommunicated. I don't believe this was fair and should be illegal. I hope to warn others about Care Credit, to be careful signing up with their credit, and be aware of what they did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to my bank to speak with a banker and was advised that TransUnion had collection accounts that have been cleared by XXXX and XXXX. I attempted to log onto the website and purchase a credit monitoring service so that I can track my score and dispute the incorrect accounts. On 4 separate occasions, I attempted to contact customer service because online and mobile applications did not allow me to purchase the service. These dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

The did not correct my problem and had no resolution. I am unable to check my score or dispute accounts using these tools.

I am attempting to purchase a house an their scoring is preventing me from moving forward. I need assistance.
Product: Mortgage

WE ARE SELLING OUR HOME, XXXX XXXX CALLED ( XXXX ) PENNYMAC REQUESTNG PAYOFF BALANCE,. PENNYMAC REFUSED, WE THE OWNERS CALLED ASKED IF THE PAYOFF BALANCE COULD EMAIL DOCUEMENT, PENNYMAC REFUSED. 
REQUESTED OVERNIGHT MONDAY XXXX, NOTHING IN THE MAIL YET. 

THIS IS THE SAME COMPANY THAT RAISED OUR MTG PAYMENT {$250.00}. THIS XXXX, GAVE ME XXXX DIFFERENT REASONS AS TO WHY THE PAYMENT WAS INCREASED AND CHANGED THE NUMBERS TO BENIFIT THE COMPANY. REDUCED THE PAYMENT XXXX ... AFTER MY COMPLAINTS.. 
WE ARE PLEASED TO LEAVE THIS COMPANY BUT NEED THAT PAYOFF LETTER NOW.PLEASE HELP
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO EXPERIAN, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I was Notified back in XXXX that this credit did in fact mark this account as fraud and its XXXX and this account is still on my credit profile as fast as they report these accounts it should be fast as they take them off Im in the process of home buying process and this account has XXXX late payments on it as well and again this was because of fraud
Product: Debt collection

I wrote to the bureaus to dispute a debt that was not owed by me. One bureau deleted it from my credit report, but transunion continued to report it. I asked to verify debt, and send me proof. They did not respond to me, but instead updated my credit report saying it was verified and updated last reported activity and reporting the wrong amount owed from what the collection agency sent me.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXXXXXX XXXX, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX  Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX, ( XXXX ) has violated my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX companies who have violated my rights that XXXX has reported on my credit report. XXXX hard inquiry by XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX i did not consent nor authorize XXXX or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. XXXX and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. 
These are the fraud accounts below and I also have attached my Identity Theft Report that list these accounts, addresses and Inquiries as well. 

Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Fraud Account : XXXX XXXX XXXX Transunion is reporting {$31000.00} and an open date of XXXX, XXXX is reporting {$31000.00} and an open date of XX/XX/XXXX XXXX is reporting {$32000.00} and and open date of XX/XX/XXXX this is an error on XXXX for inaccurate reporting please delete this account from each credit bureau XXXX Transunion is also not reporting any late payments XXXX say there is only XXXX late XXXX  day late payments for XXXX and XXXX is stating there is XXXX XXXX  day late payments XXXX XXXX XXXX Transunion is reporting a balance of {$390.00}, and an open date of XX/XX/XXXX. XXXX has a reporting balance of {$390.00} and an open date of XX/XX/XXXX XXXX is reporting a balance of {$390.00} and open date of XX/XX/XXXX Please delete and block these accounts with reporting errors and late payments asap, as well as pay me for the inaccurate reporting on my credit report which is a breach in my privacy delete or pay me {$1000.00} from each credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never lived at XXXX XXXX XXXX XXXX, NY XXXX I have made several attempts to getting this resolved. 

There has been credit cards issued to this address under my name which is fraudulent. 

In XXXX of 2017, there have been charges in the amount of {$2600.00} for XXXX XXXX which doesnt belong to me. 

This address and card is fraudulent and it is affecting me personally. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions.

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargos response to the last complaint appears to have not been properly investigated within Wells Fargo. As a result, their response appeared rote as they refused to take responsibility for a situation that they created. 

I have contacted the company and can not seem to resolve the problem to my satisfaction. 

Wells Fargo customer service and various departments within Wells Fargo seem to have intra-departmental communication issues in that this situation should not have been created in the first place and should have been resolved by now.
Product: Debt collection

A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, PLS Check Cashers. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.
Product: Debt collection

i got 3 collections from XXXX account. i don't know what company this i never used this company
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :