23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.
Product: Vehicle loan or lease

I am XXXX XXXX for and by the State of California ( CA #  XXXX ) and am making this statement as a deposition : Today, on XX/XX/2019, I setup an XXXX XXXX payment with Toyota Financial Services ( TFS ) for Wednesday, XX/XX/2019 after telling TFS that I already sent in a payment via XXXX XXXX on XX/XX/2019 for {$330.00}. Also, I have setup another payment with TFS for {$330.00} on XX/XX/2019. In any case, I am tired of talking to people who sound like robots ( which they will probably be replaced with soon anyhow ) who do not really answer your questions and tell you, '' to have a nice day. '' My concern, even though I have a confirmation for bank draft next Wednesday, that TFS is still seems to be threatening me with repossession ( attitude ) ; especially after withdrawing their offer to rest my account to current two months ago ( by putting the two late payments on the end of the loan - my family never got the letter that TFS stated they mailed ). Now that TFS is in XXXX, Texas, they are free from Consumer-Friendly business practices and can essentially threaten and harass consumers as they see fit. Beware!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was looking for a air conditioning service and the lady agreed and asked me for a deposit of {$100.00} I sent the money through cashapp. She asked for more money for the deposit and I told her I would send half the payment which was {$150.00} so I sent her {$150.00} in total. She said she never received the money, I thought it was a bit weird and asked her if she can send the money back I showed her proof that the money was sent and then she said no its wasnt when the money was taken from my account. I requested the money back on cashapp and she declined it and called my bank and they did a dispute but werent able to get the money back and they told me to file a claim through this website.
Product: Debt collection

I continue to receive phone calls from this number some times two times a day. It's been going on for over 5 months or so. Although, I have asked them not to call they continue to call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/XXXX  ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX : XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Company reports this as a chargeoff/profit and loss on my consumer report but failed to send me a 1099-C for this debt. This is a violation of my rights and is damaging to my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

" Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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. 
Delete this immediately.
Product: Checking or savings account

Chase Bank charged me two overdraft fees totaling {$68.00} for transactions they restructured so as to make it seem as if my account was overdrawn when it was not. These occurred on XX/XX/2018. I attempted to get this fixed with Chase customer service, but the bank would not help me in this regard. My experience with Chase is that they often try to reorder transactions so as to maximize fees collected.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was sold to XXXX XXXX last year, and I have had nothing but XXXX dealing with them. I pay online monthly through XXXX XXXX, and they constantly don't get it and are calling me that the payment hasn't been made. I verify with XXXX XXXX and it in fact has been made. When I call XXXX back I am on hold for about an hour each time. The person who answers says they can't help me and that someone will email me or call me, and no one ever does. I have had 2 different payments show up as delinquent because of this and it is effecting my credit history. I called again today for the same issue, and put my number in the automated system for a call back. No one ever called back, so I am on the phone again and it's already been 30 minutes. 

I also submitted a request for new appraisal with a check as directed by XXXX XXXX. It was received and applied to my loan. I called to complain it was changed with the promise of new appraisal to come. I never received a new appraisal, and I finally asked for a refund and it has not been refunded. 

My loan number is XXXX
Product: Debt collection

I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.
Product: Payday loan, title loan, personal loan, or advance loan

The state of Louisiana has a Provision Law ( RS 29:312 ) which continues to provide benefits to XXXX XXXX Service members who reside in the state. Companies are not charges interest rates no greater than 6 percent on any loans. I am an XXXX XXXX who is currently stationed at XXXX XXXX Louisiana. Achieve home loans have refused to reduce the interest rate my entire loan to 6 percent. I have submitted all requested documents to them but they have not responded.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX charged off account was paid off in XX/XX/2022. XXXX XXXX is still showing XXXX payments recently late after the charge off occurred on Equifax. This is happening several times now and it never seems to get fixed. Please investigate why XXXX XXXX and Equifax can not get this right. We have gone back and forth many times. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred funds from my money market to checking. Busey bank said they do not give receipts for transfers. How can I know the money was put into my checking account? The bank said I could look online. I do not have a computer and do not want to bank online. I believe this a dangerous practice. The clerk finally gave me a handwritten receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Product: Debt collection

I am so frustrated with Midland Funding. They are attempting to collect debts I do not owe. In a prior dispute they responded that they have put my number on their do not call list. At that time they were saying I had XXXX debt now I 'm getting calls on XXXX different debts that are NOT mine. They have also added Collections on my credit report causing my score to drop by over XXXX points. Is it legal for them to destroy my credit without ANY proof or documentation that I owe it? The entire credit system is broken if this is possible. I ca n't even sleep nights worrying about this and want someone to stop these predatory tactics.
Product: Credit card

XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX XXXX I have two card. 
XXXX ) Best Buy Citi XXXX XXXX XXXX XXXX XXXX ) Citi / XXXX XXXX XXXXXXXX XXXX XXXX XXXX I need to know why this inquiry still open or if it possible to closed Thank you My Best Regard XXXX
Product: Credit card or prepaid card

I applied for credit card for a retail store called Brandsmart on XX/XX/2022. The bank issuing the credit card was Synchrony Bank. During the application process, they had demanded my phone number to verify my identity. I have never been asked this to verify my identity. 

Although, I found it odd, I provided my phone number. I was then to receive a text message but my phone had died. They then said to submit an alternate method for verification using the bank 's website and I did.

Despite having a high credit score, I was ultimately denied and advised I would receive a letter regarding the reason for the denial. I was advised a hard pull of my credit was performed. I requested a copy of the credit report and score as is required. The bank refused to provide it to me.

The purpose of my compliant at this time is with respect to the bank 's refusal to provide me with a copy of my credit report and score that was pulled by them during the application process.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXXXXXX Balance {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00}
Product: Student loan

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 361  Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial Services transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Product: Debt collection

I have been disputing an alleged account I owe with Midland Funding for months. I have requested a verification of debt from Midland Funding and the credit bureaus ; XXXX, XXXX and XXXX. To date, Midland Funding has only sent me a computer generated credit card statement. I have not received any assignment of ownership of this alleged debt or a signed contract with my signature. I have not received any proof that this debt is owned by Midland Funding or that I am responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called XX/XX/XXXX and it was a recorded line basically saying that I need to dispute with credit reporting agency they will send over the dispute to the Fraudulent company midland funding LLC for the amount of {$310.00} from a buy back from XXXX XXXX from back in XXXX. This agency was another collector that was on my Bankruptcy over 15 years ago! Looks a little different. But in researching this collection agency. They should have been shut down a longtime ago by FTC and US Government. I see nothing but Fraudulent amount, that don't belong to ME. So why in the XXXX does XXXX XXXX appear so many times on my credit report in a 3 Reporting agencies. I mean come on you piece of garbage.I 'm in the  process of contacting my attorney who did the Bankrupt for me I can't find my order and all the creditors that collectors that were on there. I was a victim of fraud before and Present. This collection agency. Y'all should XXXX them. It scream Fraud. Get the XXXX off my report.
Product: Credit reporting or other personal consumer reports

This address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. 

To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX XXXX IL XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. 

Please notify me in writing once the correction has been made or if additional information is needed.