23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The complaint is about a private loan from AES ( American Education Service ) where I obtained a student loan, and they insist on a co-signer. I was told when I apply for the loan the co-signer will be removed after a year which was not true, once I start repayment. I start sending payment for a year when yet they did not remove the co-signers name. My complaint is the constant mail I received from this institution on a monthly basis, and they realize I am attending college because I notify them by mail. I have sent them a response various times making them aware I am in college and my loans are in deferments, but they ignore that fact. Furthermore, XX/XX/XXXX/XX/XX/XXXX I started to send them payments when I can in a small amount of about XXXX dollars to apply it for my current loan to keep the amount low, however, I am presently in school as a graduate student full time. I complained to my school and they said they have sent automatic update to them making them aware I am continuously enrolled. 
XX/XX/XXXX, they are constantly sending me information for past payment and continuously sending information about higher interest rate and also sending information to my co-signer who happens to be a retired vet which has made him very concern to why they are constantly sending these mails every month to him. In addition, they are sending letters claiming they could not debit my account for the monthly payment because I close my account, and I need to send them payment immediately with another form of payment. That was really strange because I never sent an agreement for debit payment, and they contact the co-signer claiming of miss payments, and he needs to make the payment. I was absolutely horrified how deceptive AES can be. 
Please contact them to explain why they are continuously sending deceptive mails and claiming I sent them a debit payment plan which is not true. Furthermore, sending negative report to the credit agencies which is affecting my credit score and in term making it difficult for me to get hired. I have been in search of a job with no success, and I think the negative report on my credit is contributing to these issues. Please help me to solve this problem. These company business practices are not honorable, and I want everyone to be aware of these underhanded practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2018 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts, inquiries and public record bankruptcies. On XX/XX/2018 Equifax sent me a letter explaining their investigation process, which basically stated that they verify information electronically and uses a third-party vendor named XXXX to validate public record items such as judgments, tax liens, and bankruptcies. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2018 I received the results back from Equifax in which they claimed to have verified all of the items I disputed. On page 3 of the  dispute result letter, Equifax explained that they verified all 4 public record bankruptcies from XXXX. This is where Equifax gets caught in their lie and breaks the law at the same time. I mailed a letter to XXXX requesting that they place a security freeze on my XXXX file. They mailed a letter back stating as of XX/XX/2018, a security freeze has been placed on my file and this would prevent XXXX from releasing my XXXX reports. So even if Equifax didn't want to follow the law mandated by the ( FTC ) and verify all information from the original date furnisher, which in this case is the U.S BANKRUPTCY COURTHOUSE. They lied and said they verified the bankruptcy through XXXX, which is impossible because my file was frozen as of XX/XX/2018. I disputed these bankruptcies along with other items on XX/XX/2018. This clearly shows my file with XXXX was frozen for 19 days before my dispute with Equifax on XX/XX/2018. In addition, Equifax verified all of the items past the 30 days allowed by law. So, all of the items I disputed must be deleted. I will upload the dispute letter I sent to Equifax, along with the items I disputed, the letter from XXXX and the dispute results Equifax mailed back. 

I ask that the CFPB assist me in this matter because I need a higher source to mandate the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Equifax I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX Equifax left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- A background check was submitted with First Advantage and per the client suppose to be back with 24-48 hours in order for us to retain a position. However, First Advantage has been taken advantage of the COV19 situation and, has picked certain people to conduct background check once you up load the picture. They have cost me 3 different clients and each time I lose one another background has to submitted. The supervisor claims more than one person is working on the documents and the courthouses are closed. I told her, " The courthouses are online! '' So, First Advantage is just picking people base on other features and costing me more than {$2000.00}. Their name should be " CANT GET RIGHT '' ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a prequalification application for a home loan at XXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXXXXXX XXXX  XXXX XXXXe. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXX XXXX nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask XXXX XXXX to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.
Product: Debt collection

I have insurance thru work, which covers visits to southeast health facilities. I presented my insurance card, yet they're attempting to say I owe XXXX health account # XXXX Jp recovery services reference # XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off.

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

X/X/17 Three, Unauthorized transactions occurred on my checking account, via my credit/debt at an ATM/ATMS according to Chase BANK. 
The following are the transactions from my account with the associated address of said ATM machines. note : ( ive never ben to these address nor authorized my card to be utilized ) XXXX XXXX XXXX XXXX, XXXX TX, ( NO ZIP PROVIDED ) - {$100.00} and - {$62.00} XXXX XXXX XXXX XXXX, XXXX Tx. ( no zip provided ) - {$200.00} Id not noticed the transactions for 2-3 days I believe. 
Naturally, I inquired as much info as I could about the transactions. 
I dispute the charges bc they where not done by me nor my agent nor anyone acting in regards to me Completely unauthorized. 
Aside from my funds not being returned, Im highly upset at the the outcome/disposition of the " so called investigation '' involving said transactions. I feel that if a proper investigation had been conducted, the finding/outcome would have been in my favor .No request to view video footage at the ATM machines nor parking lot video. no merchant call, no visit. 
Based on Chase Banks policy's/ guidelines seem to have been authored with the companys best interest in mind making it unfair for me the consumer.I place my funds in banks because Im told the money is safe, the money is insured. if not for clients insisting on using Chase Quick Pay, it seems that my funds are not safer in a bank verses my home. 
Last point of disgust, whether my pin number was used or not does n't mean I authorized the use of the card. Pin numbers can be guessed. At some point I was asked did I have the card in my passion ... .I replied Yes. However I now believe the card Id had in my position may not have been the card that was used at the above ATM machines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions. Please remove this account : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Product: Bank account or service

I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times yet it comes back verified by XXXXXXXX XXXX. I contacted XXXX XXXX and they have no record of Bankruptcy with them. How is Experian verifying this information falsely.
Product: Credit card

I have a Citibank mastercard credit card, which I always pay on time since I got it 3 years ago. I have this card set up for a monthly automatic payment of the full amount, but in XX/XX/XXXX I decided to pay only the minimum amount and contacted them to change it. The person helped and made the changed by phone easily just for that specific month, leaving the auto payment still set up for the following months. The next month, I did exactly the same and called them again asking to set up a minimum payment for XX/XX/XXXX, but at this time the person did a mistake and did n't suspend the auto payment of the full amount. What happened its that the minimum payment was done ( as requested ) in the amount of {$11000.00}, but in the next 2 days Citibank debited the remaining balance of {$18000.00}. Since I didi n't have credit enough, the payment didint go through. I called Citibank and the person told me that she was going to solve it and have the FEE returned to the account in a few days. For my surprise, after 5 days, Citibank tried to have the remaining balance paid AGAIN ( without my authorization ) and when I called them AGAIN, the answer was totally different than the previous one : they told me that when it happens, the system tries to have the balance paid 4 consecutive times and there was nothing that could be done by the entity to avoid that. I spend more than 40 minutes with a supervisor on the phone and the summary of the conversation was that I did n't need to worry about that because as soon as the XXXX tentatives were finished, they would return the XXXX FEES ( {$34.00} each ) + send me a letter communicating that it was a mistake from Citibank and that my credit score would n't be affected. They also " offered '' me as a gift because of the inconvenience XXXX miles for my mileage account. After all these calls with them, nothing has been solved ( I did n't get the FEE returned, I did n't get the miles and I did n't get the letter that was promised ). A few days ago I got a letter from Citibank saying that I have an unpaid balance, so exactly the opposite that was discussed. I contacted my account manager called XXXX XXXX and asked for help, but she told me to solve the problem directly with the credit card team and call them again. i also send them a message using the online customer service last Sunday ( XX/XX/XXXX ) registering the complain and have n't get a response that they were supposed to do within 1 business day ( reference number is : XXXX ). So, I tried everything possible and all channels to get it solved. Now, I want to submit a formal claim against them. They are damaging my credit score and also this situation made one of the checks that I used to pay a person to be returned because of lack of funds, so I 'm not having only problems with them, but with other people as well. Their lack of care about their guests is incredible. The managers never answer emails because they do not want to commit to anything written.
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from Equifax and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with XXXX for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history. Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, FL XXXX XXXX XXXXDOFED XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I received an email stating suspicious activity on my account. I called into Capital One Bank and they told me I was accessing my account on XXXX different devices and that's illegal to do so they ended my banking relationship. I told them I do access my account on my XXXX phones in the home sometimes I have XXXX or the other with me. They said that didn't matter I cant do that. They closed my account and now are holding my funds. I have no monies available to me now and have to wait XXXX days for any funds to be mailed to me. They were rude on the phone about it. I have never had a bank do this to me. I have always been able to use my different devices and XXXX XXXX