23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.
Product: Debt collection

XXXX XXXX  keeps calling me mostly all day and sometimes after hours .I want this stopped .
Product: Credit card or prepaid card

I was out of the country visiting XXXX and had a consult to get XXXX  with XXXX XXXX XXXX at XXXX  XXXX XXXX on XX/XX/2022. After the first consult she made me pay XXXX XXXX  because that was the first " step '' in the process. On XX/XX/XXXX, I had the second visit that required me to pay another XXXX XXXX  and to my surprise, the aligners hadn't been produced after waiting a month. This is when I told the Dr. to cancel this service because my aligners had not been produced after a month ( which she was made aware of ) and I told her it was no longer an option to move forward because I was leaving the country. The Dr. refused, told me I needed to pay a third payment of XXXX XXXX  to move forward and told me that a refund was not part of their policy. This was never disclosed and is fraud! XXXX XXXX XXXX is unprofessional and practices extortion on people who come from abroad to get these services. I have never had such a disappointing experience and I can not afford to pay for a service I never received. 

The aligners were NEVER given to me and I have my right to cancel a service that was never provided! I never received any XXXX treatment yet I am still being charged for this. So I called immediately to complain to my credit card company ( Chase : Sapphire Preferred ) and they opened up an investigation. After giving them all of the details, Chase ruled in the merchants favor because I paid in person and signed the receipts. This was never the issue and I kept telling them I was scammed because the Dr. never gave me my treatment. After two months of fighting this dispute and speaking to multiple agents, Chase told me there was nothing I could do to get my money back and left me to pay off nearly {$1600.00} USD. 

Chase has been a nightmare to deal with and after many calls and letters explaining the details of this fraud, they refuse to investigate further and wasted 2 months of my time. During these 2 months, Chase has been giving me the run around with updates consisting of " we will call you '', " we will escalate this information to our executives '' and miscommunication from their agents with the next steps. All of this back and forth for them to tell me " we can't do anything, you signed both receipts and can no longer help you because two months have now passed from the date you filed the dispute. '' I spoke to a supervisor and told them that their agents have been very misleading during this process, so I told them to file another investigation to listen to all of the calls I made and the claim ID is XXXX. I called again a few days later to follow up and was basically told they will no longer help me. I am beyond frustrated and disappointed in Chase. 

I have cancelled my Chase Sapphire preferred as of today XX/XX/XXXX. I need to report this fraud and have it escalated to the highest degree because this is extortion and my credit card company should have handled this differently.
Product: Debt collection

Portfolio Recovery Associates is trying to collect an incorrect amount on a debt from me, and they are also not licensed in the state of MN. PRA will not remove the innacurate information from my 3 credit bureaus though I have disputed the information numerous times with all 3. Now when they call me and I tell them that they aren't licensed in MN, they hang up on me. The last letter they sent me says it's from a debt collector, but it's not an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient said I could lower my monthly payments through income repayment plan. After requesting the plan, my monthly payment increased rather than decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times after numerous times. I submitted a FTC AFFIDAVIT WITH ALL REUQIRED DOCUMENT INCLUDED. I am a victim of identity theft, someone used my personal information for personal gain. 

XXXX latest report deleted everything but refuse to delete the collection accounts on my credit which is also fraud and unauthorized- WORLD FINANCE CORPORATION REFLECTING AS A CHARGE OFF ON MY CREDIT WHICH IS INCORRECT. I also contacted creditor and submitted etc affidavit to World Finance as well. XX/XX/2021 XXXX XXXX XXXX- ORIGINAL CREDITOR XXXX XXXX XXXX - THIS IS A FRAUD UNAUTHORIZED ACCOUNT THA T WAS NOT AUTHORIZED BY ME ON MY CREDIT REPORT THAT SHOULD BE REMOVED IMMEDIATELY. I ALSO CONTACT CREDITOR AND SENT FTC AFFIDAVIT TO THEM AS WELL XX/XX/2021
Product: Debt collection

XX/XX/XXXX th I received a call from caller restricted, and I thought it was the police so I answered it ended up being Midland credit management a debt collection agency. I had XXXX person talking to me about my debt, and then another person who claims she was A XXXX jumped on the call because I was in pre-legal status, and they wanted her on the call because it was serious. She continued to threaten that my credit would be harmed that I would be sued despite my saying that I had a XXXX  XXXX, who was requesting physical proof that I owe this debt before he negotiated, she proceeded to continue to threaten, harass and argue with me and claim that they sent XXXX letters through the USPS that I have not received. She asked me what I wanted them to do because I have not received letters they sent that is not on me that is on the debt collection agency to provide the burden of proof that I owe them this debt. She continued to threaten to sue me for my supplemental security income and my student loans both of which are untouchable cuz I know my rights due to my XXXX  XXXX informing me that those sources are legally untouchable and I told her as much and then she proceeded to start to tell me you know what so I immediately ended the conversation by telling her all future contact will need to go through my XXXX  XXXX and my XXXX  XXXX has said there will be no future contact if they can not provide physical proof I owe this debt which they have failed to do so to date. I am not responsible for the usps failure to deliver their letters if they actually mailed them. It is not on me to provide my own proof of debt when I specifically requested the company provide physical proof I owe this debt at the request of my XXXX XXXX. My old XXXX XXXX also received a call a month ago from midland credit management threatening to sue over debt but they never identified the client they were calling about but she informed all her previous clients she knew may have debt due to pandemic issues. Please investigate midland credit management for harassment, threats of lawsuit, or seizing bank accounts of people who receive supplemental security, income and student loans and threats of credit harm when refusing to provide physical proof to the client, they owed the debt at the request of the clients s XXXX XXXX. I refuse to be bullied by debt collectors trying to take advantage of people with XXXX and not follow laws laid out for debt collectors.
Product: Debt collection

Lotane and Associates contacted me on my cell phone and threatened that if I did not pay the medical bill I would be arrested or would take action to seize my property. They have stated this to me over the phone on 5 separate occasions. I do not own a home. 

Lotane and Associates state they tried to summon me to court. They said they came to my home and my landlord said I did not live there. That is not true and never happened. As my landlord does not live at the home. They stated in the documents presented to the courts that my landlord told them this. They went to a place I have never worked and tried to serve me. Meaning they falsified the court summon document. 

The debt is not on my credit report nor did I ever get a bill as my insurance company paid for the emergency room visit. I pulled my credit report on XX/XX/XXXX and it is not on XXXX, XXXX, or XXXX. I called the hospital and there is no record of a debt for the same amount as my insurance paid for the emergency room visit back in XXXX of XXXX. 

In good faith, I went to mediation with them as they are balance billing above what my insurance paid tacking on ridiculous amounts for which my insurance has already paid. This is an illegal act in Florida. I now have a court date on XX/XX/XXXX and I am being intimidated to pay even though we have a court date set they are still threatening me to take me to jail. I offered to pay them XXXX to get them to leave me alone and they denied that they would accept anything less then 80.00 a month.
Product: Credit card or prepaid card

I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.
Product: Checking or savings account

I initiated a wire transfer for {$110000.00} from a savings account with XXXX by Goldman Sachs to credit my checking account at XXXX XXXX Bank. The request to initiate the wire was made at XXXX on XXXX XXXX. I called for a status update at XXXX and was told the wire was being processed. At XXXX pm the wire had not credited my checking account and when I called for a third status update I was informed the client support system was offline and my transaction could not be reviewed. At XXXX pm I called again and was told the wire was still being processed but no update could be provided. No answers outside of the wire is being processed have been provided and XXXX refuses to explain the delay. This is not a first time wire and multiple have been sent between these accounts, both in my name, in the past.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach i attachment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX 
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to properly investigate and correct inaccurate information on my credit report. My efforts to resolve these issues directly with XXXX have been unsuccessful, and their actions ( or inaction ) have negatively impacted my financial standing. 
Nature of the Complaint : XXXX. Failure to Conduct a Proper Investigation Despite submitting a formal dispute regarding inaccurate information on my credit file, XXXX failed to conduct a thorough reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Remove Inaccurate or Unverifiable Information XXXX has not corrected or removed inaccurate, incomplete, or unverified items from my credit report. 
XXXX. Failure to Provide Adequate Written Notice I did not receive a proper explanation of the reinvestigation results, leaving me uninformed about the status of my dispute. 
XXXX. Reinsertion of Previously Deleted Items XXXX improperly reinserted a tradeline that was previously removed from my credit report due to a dispute, which violates FCRA guidelines. 
XXXX. Unfair Practices XXXX appears to rely excessively on furnishers, failing to verify the accuracy of the information despite evidence that the furnisher may be unreliable. 
Details of the Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account designator codeIndividual account Account XXXX XXXX Reported balance {$13000.00} Actual payment amount {$390.00} Date of last payment XX/XX/XXXX Past due amount Account status Not more than XXXX payments past due Date reported XXXX I have attached copies of my credit report, dispute letters, and any correspondence with XXXX to support my complaint. I kindly request that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with federal laws. Additionally, I seek correction of my credit report and any applicable consumer redress for the harm caused by XXXX violations. 
Thank you for your time and assistance in addressing this matter. Please confirm receipt of this complaint and keep me informed of any updates regarding the investigation. 
Sincerely, XXXX XXXX XXXX Enclosures :
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dear agency im sending this letter because you are reporting a incorrect Information on my credit report I do not know recognize this accounts I never give any Information to this company below : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Checking, Saving and Business Checking [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ] opened at XXXX Bank XXXX XXXX, FL XXXX in XXXX. Accounts were closed due to fraudulent activity not performed by myself [ bad check and unauthorized transaction ]. There was no repayment of funds issued without consent nor was there an authorized account user other than myself. Also, a XXXX XXXX IRA Custodian Account for XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) was opened, which carried a position. Last corporation was XXXX XXXX. 

According to customer service and banking Representative at XXXX XXXX of XXXX, FL XXXX no such accounts existed ( XXXX ). Also, the IRA Custodian Account had funds distributed without my consent nor an explanation. Also during XXXX a Location in XXXX XXXX, FL XXXX informed me due to COVID no one was allowed in the branch and my account was closed, and there was no remaining balance. I found that to be false when I sold remaining shares [ 5 ] of XXXX XXXX and informed XXXX XXXX my position was not for sale. 

Funds were issued by check. An account for XXXX ( {$1200.00} opening balance ) was closed as well during XXXX however there was a joining account that was tampered with, no consent from myself nor an explanation other than being closed for fraudulent activity. No fraud transpired and I have been without an account and funds since other than XXXX XXXX XXXXXXXX XXXX which was closed maliciously as well without my consent ( XXXX ). 

Remaining balance in XXXX XXXX ( {$1800.00} ) was never refunded nor an explanation to why this occurred with both banks. Same issue occured with Bank of America, Account user with XXXX XXXX XXXX [ XX/XX/XXXX ] ( XXXX ) and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; funds being distributed and tampered with, without consent or explanation other than computer glitch or clerical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that Equifax was still frozen, called Equifax twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for Alien 's Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XX/XX/2023 XXXX XXXX  XX/XX/2023 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application for business credit card
Product: Debt collection

On XX/XX/XXXX XXXX XXXX in Utah sent me a invoice and note about a past due invoice saying that I had until XX/XX/XXXX to pay {$1000.00} amount in full or else they will send the debt to collections. A few weeks ago I received a letter from MLC collections dated XX/XX/XXXX thar they were attempting to collect the debt from XXXX XXXX. Same debt that I was just told that I had until XX/XX/XXXX to pay. They also added on {$300.00} worth of interest and fees. I called XXXX XXXX and was told that if I paid them by XX/XX/XXXX that they would take off the fees. I called XXXX XXXX today, XX/XX/XXXX, to pay the amount in full and I was told that they wouldn't take my payment because MLC already had the account. I spoke to a XXXX XXXX and told her about the letter I had that said I had until XX/XX/XXXX to pay and at first she told me that she knew nothing about a letter as I insisted I had it in writing she then started in on other excuses, honestly confusing herself from time to time. She wouldn't let me pay her or talk to anyone else, telling me she was the highest I could go. I then called MLC and they were concerned about the letter and told me to email their attorney but it could take 30 days for them to resolve it and they would be charging me interest daily while I wait. I asked if I could just pay the balance without the fees and she said no, it wouldn't be paid in full until I paid my balance and the fees. I spoke with XXXX. I asked her to put in the system that I did not want to be contacted by phone and about XXXX hours later I had someone else from MLC call me trying to collect the debt, after I asked them not to call me again.
Product: Credit reporting

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I have NEVER attended the University XXXX XXXX .... Fraudulent student admissions practices.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"