23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I couldnt complete transactions it started that connectivity prombems to try again I didthen tried reaching out to company to figure out what was going on then found out there was a outage or glitch so I tried to explain to them that I had pending transaction due to glitch. On one of those transactions, finally two of the transactions were successful to my XXXX XXXX, but the previous transactions were still pending, and then, when they fix the problem, they started approving some of the pending transactions which the first transactions did not go through so I did not think they would charge me for anything but one of the transactions the next day went through I tried to give them documents and screenshots but they gave me two answers on why it was on my part my fault I reached out to them through email and I also get emails and text messages on the transactions I make, and I also got a statement from the other company, XXXX XXXX stating the time and they pulled out that money because cash app said that they forced a payment which their payment was before their glitch was fixed and when they took out the money I had cash app overdraft usually when you dont have money you cant take out money so I need to talk to somebody that besides cash app could investigate them because its been a while now and I still havent been able to talk anybody that would at least look at my side of the story and my documents and screenshots that I have
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute requesting the removal of this item on my report due to the original creditor XXXX XXXXXXXX XXXX ) refusing to accept payment for the charged-off amount of {$280.00} and reflect a PAID status. The investigation results returned VERIFIED. My credit is continuing to be damaged despite good faith efforts to resolve the past due amount.
Product: Credit card or prepaid card

Bank of America closed my account without notice and proper reason and frozen my cash back rewards. 
They also refused to redeem my rewards. 
1 account is XXXX. The other one is XXXX. 
XXXX is XXXX.
Product: Credit card

I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.
Product: Credit reporting or other personal consumer reports

I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company NAVIENT still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of NAVIENT .this is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Product: Student loan

I applied for the save program on XX/XX/ 2023. 

The federal aid portal said that my servicer does not receive electronic applications and that I had to print and mail my application to them. I did and did not receive any information. 

On XX/XX/XXXX I called nd asked about the status of my application, they said that they received my application o n XX/XX/XXXX but that it will take at least 60 days to process the application but that have no way of telling me how long my application will take or where it is in the process. Meanwhile the loans are accruing interest. And they say that can't give me and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was on XX/XX/2022, but still accounts are presented in my report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00}
Product: Debt collection

XX/XX/2021 National Credit Adjusters was sent a debt validation letter to validate debt that is reporting on my credit report in the amount of {$1600.00} XX/XX/2021 National Credit Adjusters contacted me by mail confirming the debt needed more time for investigation and they would be ceasing collection efforts and if the account is being reported to the credit reporting agencies they would update their entry to reflect the dispute After that letter I never received a response back from National Credit Adjusters my credit report was never updated and is still reporting without debt validation to this day XX/XX/2021 I sent another letter debt validation letter with no response at all It is almost one year later with National Credit Adjusters still showing on my credit report and no type of debt validation letter being sent to me I need assistance with an investigation for National Credit Adjusters not following FCRA guidelines Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX system for almost 10 years. XXXX XXXX recently took over from the old solar company. never been late with my payment since I had auto payment set up. recently due to their system change, they were unable to take the payment. this change of system issue been going on for than a year and every couple of months I would get call from different agent, stating they need to update billing information. with fraud and everything i been hesitant to provide payment details by phone. received another email and call beginning of XXXX and it's the same issue. this time I was waiting for a refund since they charged me late fee because of their failure to pull funds for system change yet again. instead to waiting a period so i can see refund, they reported to agency for late payment. called them right away and agreed to make the payment for XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was suggested to fail a dispute with Experian. However, even though account is paid in full and filed dispute 3 times, they are refusing to report to Experian that account is paid in full. my credit took a hit because incompetence from XXXX power company since they could not successfully merge to a new system. every time you call their collection department, they suggest disputing it and if you try to contact directly to person in charge of providing the updated credit information, they are not available. Very frustrating to deal with a company who does not value their client and ruining client 's credit because they are not competent to successfully take over a company and update to new system. For their error and incompetency my credit is taking a hit and very frustrating to try dealing with them for correction that was not caused by the client. Company needs to do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2022 I have reached out to XXXX finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for XXXX to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.
Product: Debt collection

The company, Credence Resource Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Product: Debt collection

I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting or other personal consumer reports

After starting a mortgage application, I noticed my credit information on my Experian report was wrong and contacted them on XX/XX/XXXX. I informed Experian of the errors, which was that Experian used someone else 's social security number, date of birth, and even name on my credit report, resulting in a damaging errors and low credit score. 

On XX/XX/XXXX, Experian responded that they have reached out the creditors who confirmed the reporting is correct. However, the issue is that Experian was using the wrong Social Security number, Date of Birth, and name on my credit report, resulting in damaging info on my credit report and score. I've appealed again on XX/XX/XXXX, and the result in pending. I would like CFPB to look into the matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX and XXXX immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with this company for some time now. I haven't looked at my credit report in years which I admit is my fault but when I do look at it I am showing 2 credit cards from the same company that I never even heard of until I seen it on my report and researched who they were. I have repeatedly asked them to remove it and if they won't remove it to send me proof. There are 3 of us with the same name and there are people out there that is just not right so I want to see factual information in which they won't provide as well as they won't remove off my credit. Then transunion, I dont even think they are sending it to them anymore because there is not letter with the disputes that are coming back. This is beyond frustrating and nobody should have to deal with things like this.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debt collectors from Comenity Bank, who hold the debt for my  XXXX   XXXX  credit card, will call my cell phone on average 4 times a day. Beginning around  XXXX  EST and ending around  XXXX  EST. They keep calling and blocking the phone number. When I answer they do not wait for me to identify myself before they say " Mr.XXXXX you are behind on your Visa account ... .. " they do not even know it is me and they disclose this information. They will talk over me and are extremely rude. The repeated daily calls are harassing. They know my adjusted income since I have been laid off. I verified that with an account manager. They know and have updated information for me. However they will not stop with the calls. I filed a complaint with them this morning and they would not provide confirmation of said complaint. Only that it was " noted '' on the account. I worked as a debt collector for a few years and understand FDCPA. I also understand that they are violation it with their methods of communication, call times and frequencies and how they treat me on the actual call.
Product: Student loan

Dear Sir/Madam, Good morning! Please accept my very best regards. Madam, I would like to present the following for your kind perusal please. 
1. Madam, since XX/XX/2018 I am attending XXXX   University XXXX XXXX XXXX XXXX Campus for completing XXXX XXXX XXXX degree. 
2. The Financial Aid Officer, put up a financial aid package for me. But, he was later transferred to another campus. 
3. The new officer who took over the duties in my campus returned my stipend and refunds back to the lender without my knowledge. Right now I do not have any job. Even then the new officer returned XXXX to the lenders and charged me {$1200.00}. Right now I have no means of paying this amount. And as per the financial aid package I was supposed to get as a stipend and refund, the amount ( {$3100.00} ) ; and it was ( as per the contract ) not supposed to have returned to the lender ; rather refunded to me. 
4. I persuaded every one in the University but to no avail. 
5. Can you please help me in this regard ; I will be really grateful to you if you help me. 
Thanking you, apologizing for any inconvenience, and looking forward to your kind assistance in this regard. 
Most Sincerely, XXXX XXXX XXXX Email : XXXX Telephone : XXXX