23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company reports that they mailed/submitted a copy of the detailed invoice from the listed provider. However, nothing was ever sent to the address or email on file. To address this matter, I am requesting the following : Detailed Invoice : A comprehensive breakdown of all charges related to the move-out fees, including itemized amounts and descriptions of each charge. Supporting Documentation : Any evidence or records substantiating the charges and demonstrating their validity. I request that this information be submitted to my mailing and email within XXXX business days of receipt.
Product: Student loan

I sent annual renewal documents to Navient for my Income Based Repayment Plan, and they sent me an acknowledgement upon receiving them. Then they failed to follow up with this,  completely ignoring the whole process. It is as though they don't have any obligation to their clients at all. It's been six months since I sent the renewal. 

My situation is pretty good : living in an expensive area so I can have a great job here, but unfortunately most of my income goes to rent. I still have the same position at the same employer so the IBR is the same as last year. 

As bad as this is, they did the same thing last year, I had to file another complaint with CFPB to get them to cooperate ( case # XXXX ). They finally made me whole and now they do it again. I had a similar problem the year before. They approved my IBR and completely ignored it that time as well.
Product: Debt collection

Original creditor is XXXX XXXX XXXXXXXX XXXX. Opened on XX/XX/2019. In collections with XXXX XXXX XXXX. The amount is {$1200.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my wife and I received an email from XXXX ( a hacked email address ) from XXXX XXXX email. While my wife and I were communicating with XXXX XXXX agent on the closing cost on a house in XXXX XXXX XXXX the address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX We were instructed to send a wire transfer ( {$48000.00} ) to a JPMorgan Chase Bank Account XXXX with Routing Number XXXX which we ended up doing believing that we are communicating with the right people. 
Finally on the day of the closing which was XX/XX/2022, XXXX XXXX reached out through our agency and requested the wire transfer document which I brought to their office and they discovered that the account number wasnt thier own. Also they discovered that there email address has been hacked into and the fraudsters were using a similar email address just like theirs and only changing the dot com to dot cam. That was when we realized that we were scammed and immediately called the Police, FBI and informed the XXXX XXXX XXXX. I was instructed to file a fraud complain with the XXXX XXXXXXXX XXXX which I did and also filed an ic3.gov through the FBI website. I have been calling and following up with XXXX XXXXXXXX XXXX and after my call today which is XX/XX/2022 I was instructed by the Account Manager to file a complain with Federal Trade Commission office too. Please I will am seeking your help in recovering back my money and my family has been through difficult times during this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX refused to remove all disputed hard inquires from my credit report ; although the inquires are there against my consent which is illegal according to the FCRA. If the issue is not rectified immediately, I will take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four ( 4 ) fraudulent inquires on my credit file from a company called Credco that occured on XX/XX/XXXX, XX/XX/XXXX. Remove the for ( 4 ) fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point, I am sending this complaint as proof that I once again tried to rectify this ongoing issue with Experian and XXXX. They request a 100-word statement and evidence to support my complaints. I have submitted proof in black and white several times. They have deliberately ignored it and treating my disputes as frivolous. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX are reporting inaccurate and incomplete information. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified when I have shown the deletion from XXXX and pointed out the incomplete and inaccurate information that's reporting? It's affecting my ability to gain credit, refinance my home. I am now being represented by The Deliberty Law Firm, a credit lawyer XXXX XXXX XXXX to assist me moving forward. I have submitted all copies of complaints on this site as well as the credit bureaus. I now have a list of representatives when I called into the credit bureaus. I am now going to be seeking monetary relief. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution.
Product: Credit reporting or other personal consumer reports

I have spent unnecessary money for months sending numerous certified letters to Equifax. I've notified them and the furnisher 's in refences to the inaccurate information being reported on my Equifax consumer report. They sent back letters stating they investigated and verified the following accounts. Equifax actually failed to conduct a reasonable reinvestigation and continue to report inaccurate information even after providing proof of the inaccuracies. Equifax lack fairness, impartiality, and it is shows in their reporting practices. If proper investigations were conducted, then these numerous factual errors would not remain on the following accounts : XXXXXXXX XXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX I've asked for them to update the accounts to the properly report information multiple times to no avail. I've explained how I feel deprived of my rights to have a complete and accurate report. These accounts are hindering me from adequately providing for my family. I've attached a copy of some of the errors that are still reporting. Now I'm asking for them to completely remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX 0f XXXX XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!
Product: Vehicle loan or lease

I purchased my vehicle on XX/XX/2018 in XXXX, IL. The car dealership went with Exeter finance which gave me a loan for 25.36 % My credit score was XXXX when I purchased the vehicle. Ended up paying {$700.00} monthly for a XXXX base model XXXX XXXX. Illinois law in 2018 was you could not charge more than 20 % financing. I was charged well over that. Ive contacted the office of the Illinois attorney general & was advised theyve made contact to the finance company. That I should be receiving an offer from the finance company. That was in XXXX, Ive attempted to contact Exeters legal department & was told they correspond only my letter or email. Ive been told they do not do refinancing. Ive been forced to push my loan back an additional 4 months just to not loose my vehicle. I feel like Ive been taken advantage & just being given the run around. At the end of the loan I would have paid over {$50000.00} for a {$25000.00} car.
Product: Debt collection

I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : 08 XXXX XXXX BANK ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report XX/XX/21 I noticed an account on my report that I did not authorize.
Product: Checking or savings account

This is the third or fifth time Ive filed a complaint regarding this issue with Bank of America. These companies are soulless predators who prey on everyday Americans. Only in America you can have money stolen out of your account and a banking institution such as Bank of America wrongfully deny your claim based of illegitimate reasoning. Not only did they deny my claim and I lost {$3100.00} dollars but they wrongfully close my account as well. They had a claims resolution representative contact me on XXXX only to say theyve denied my claim again. When I asked for a document of the denial to provide my attorney I was told that there is no way to provide or mail such documents. Luckily I was able to use my XXXX feature to record the conversation. In one of the reasonings it was stated that I opened the account in XXXX which was a lie because the rep even acknowledged that it was incorrect, they also said that its been over a year so its outside of the statue of limitations so they dont have to provide any reimbursement which is also another lie. The charges on my account were from XXXX or XX/XX/XXXX on upward which is not a year as Im writing this. They also stated that they were no urgency to drain the account and that plenty of funds were available. Theres literally a string of dates of the orginal fraudulent charge up to when I caught of to these charges of them literally draining my account in different sequences and different dates. I even provided emails with me contacting this merchant asking them for clarification of whats going on and why was my money stolen from my account. I have police reports, I have emails with the merchant, I provide everything on my behalf only to still be denied the remainder of my funds Bank of America is unethical and a very soulless company that has no regard from everyday Americans. They only reason I was even provided the half payment of {$7800.00} was because they were able to charge back {$4600.00} of that amount and the remainder of the {$3100.00} theyre unwilling to eat that charge and taking every unethical measures to not pay that out. They have no valid reason to have denied me the remainder of my claim. I will not stop fighting until I receive the remainder of hard earned stolen money. If this were theyre money or food out of theyre mouths or theyre family mouths how would they handle this situation. I hope and pray that this complaint is seen by many and that they refuse doing any business with these thieving banks and banking institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file a dispute with XXXX and Equifax about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. XXXX and Equifax has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as XXXX and Equifax does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website freeannualcreditreport and XXXX and Equifax has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with XXXX and Equifax. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
Product: Mortgage

since XX/XX/2017 I have been calling and sending them copy of my taxes and insurance they had the wrong amount on both which caused me to have to pay more in payment because it took them so long to get it right, now the account is paid on time as of XX/XX/XXXX.XX/XX/XXXX was paid by due date, im in the process of asking them to correct my credit and late charges because of their fault in correcting my account to show the proper amount they owe me money. I was diagnose with XXXX in XXXX had XXXX in XX/XX/XXXX which did not help the situation either, but never the less they XXXX up my account so bad and everytime I called to get it right I had to start from scratch, it was not easy dealing with XXXX XXXX recovery theraphy and now finally XXXX medication which are also very expensive, when they are charging me the wrong amounts making my pmts over hundred s of dollars over the correct amounts every month just because one side don't know what the other hand is dong they cant get it right until I took over so they get it fix. this has been a big problem for us. please have then correct this information thy are reporting which is incorrect. thank you mr and mrs XXXX it is not fair to the consumer
Product: Debt collection

This company is calling me and wanting to talk with me about a debt they say I owe. However, they have not provided me with any validation of the debt.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Checking or savings account

On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank error.
Product: Credit reporting or other personal consumer reports

I think that under FCRA 605B, we must remove any incorrect accounts from my credit report. Can you examine the documents? Some accounts listed are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see XXXX hard credit inquiries on my XXXX report that I absolutely did not authorized. 

XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX, XXXX. I remitted money to XXXX through sigue corp on XX/XX/XXXX, order number : XXXX, amount {$5000.00}. At that time, it was directly remitted to the bank account of XXXX. According to the exchange rate at that time, I should have received XXXX XXXX, but sigue remitted it to the recipient 's bank account twice, and received XXXXXXXX XXXX and XXXX XXXX respectively. But the remaining XXXXXXXX XXXX  has not been received! I asked for a refund of XXXXXXXX XXXX. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! I learned from the internet that state financial regulators ordered SIGUE CORP to cease money transmission activities on XX/XX/XXXX, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them with the claims process. I hope to receive a refund check soon!
Product: Credit card

This is a fradulent charge. Ive sent disipute letters as well as filled FTC report.
Product: Credit reporting

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Case Number : XXXX