23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
Product: Credit card

I noticed on my recent statement that PayPal charged me a late fee after not making the minimum payment by the due date. I scheduled the payment onlinein advancefor the next day. They did not make me aware that they would charge me a {$41.00} late feethe next dayif I did not make the payment by the due date. When I tried to get in touch with the company, their customer service number was busy ; I called multiple times. Their online chat also was no help. I tried logging into my account today to see the balance and it is down for maintenance. 
I have been a customer for years and don't remember ever being charged a late fee. If they are going to charge a late feethe next day, they should at least have a reminder on their website for people who schedule payments in advance. I would have just dated it for the due date since it was only one day off. To sneakily charge late fees the next day, then have their line be busy so they don't have to deal with customers, is a shady business practice.
Product: Debt collection

To : Discover CARD XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
CFPB Enclosed please find copies of my credit report on my Discover account Accounts. As you can see you charged them off twice on each account in XXXX and XXXX. 
You did not send me a 1099-c on either of these, but you filed with IRS as a write off-I believe that is fraud. I have investigated these and hereby demand you delete the necessary incorrections and clear the mistakes on my credit reports with all 3 bureaus.

Im also sending this information to all 3 Credit Bureaus and other entities to clear my negative reports-You have caused my credit report to drop from XXXX to XXXX scores. At one time my score was XXXX. 
As I told you when XXXX hit in XXXX, I went broke-I have been in XXXX XXXX XXXX leasing office and retail space for 46 years. No one was leasing space for 2 years and I had no income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX has not reported one of my CC ( XXXX  ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance : {$27000.00}
Product: Student loan

My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : XXXX
Product: Student loan

When the XXXX admin announced the student loan forgiveness, I was eligible to have my payments from XX/XX/XXXX thru current date refunded. At the time of the plan 's initial rollout I had already paid my student loans completely off. However, in accordance with the XXXX plan I was able to request all my payments from XX/XX/XXXX to XX/XX/XXXX be refunded to my account and a check mailed to me, or an electronic deposit. I called Nelnet in XXXX or XXXX to have my refund initiated. After a few weeks I saw the balance reappear in my Nelnet account, approximately XXXX XXXX dollars. I then waited many months for the electronic deposit or the paper check to " balance '' this out. I have not yet received such payment. I have called them at least XXXX separate times since last fall to try to get the update on where my money is and every time they say the federal reserve is backed up. However I have also seen and heard countless people doing the exact same tjing as me and they get their refund in a timely manner. I am afraid that if I do not get this check, I will be on the hook for the XXXX XXXX dollars in my account balance, and that is unfair because technically I already paid that off. The studentaid.gov website says that lenders are to refund borrowers via XXXX XXXX that they initially paid in. All my loan payments were made electronically, and therefore a refund should be processed and sent electronically. This process shouldn't take XXXX freaking months. I have tried being nice on the phone every single time and I am at my wits end. Student loan repayments are to be continued this year and I do NOT plan on sending payments to pay a " ghost balance '' in my account to keep my credit score up. I need you guys to force their hand and have the check mailed to me immediately. Thank you.
Product: Credit reporting or other personal consumer reports

the other day I checked my credit report to see 5 unauthorized credit inquries on my account that I did not request or authorize and I don't know who made these inquries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bankruptcy ref # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and Transunion and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery
Product: Credit card or prepaid card

I disputed an illegal international charge with Chase Credit Card. Next thing I know they closed both of my Chase Cards and sent a letter advising me as to why. Inappropriate behavior by chase bank with no notification, no legitimate explanation and no credit card available for my use while traveling
Product: Prepaid card

On XX/XX/XXXX, I was charged {$66.00} at a location called XXXX. This is not my transaction, nor anyoneI know as my card is ALWAYS on my person. I called in to XXXX XXXX ( XXXX ) and have tried to resolve this for several months. I cancelled the card and received a new one. They claimed they sent out an email for me to fill out, I could not find it so they resent another one on XX/XX/XXXX. I filled out immediately the same day and never heard from them again. In the process of them claiming they sent the first email to the second one, I was in the hospital for a bad reaction to XXXX. I called again on XXXX XXXX to find out what's going on with the refund, andI was hung up on 3 times! The last person told me I did not return the form in time ( XX/XX/XXXX ). I responded I did not receive the first form, ( I went back and looked in spam and regular email ) and I was hospitalized. Also, why would they resend the form on XX/XX/XXXX???? The lady hung up on me and told me they would not be issuing a refund due to my negligence!!!
Product: Debt collection

AA Recovery Solutions has been calling non-stop since XXXX. I never received anything in writing from them. They constantly send text messages and the last one that I received was back at the end of XXXX. I responded and said send me validation in writing. I then received an email from XXXX that said I agreed to pay the debt in full, which is NOT true. From there, I was able to get their address and promptly sent a debt validation letter. I have not received anything from them, yet they continue to harass me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX   XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and CREDIT COLL ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I appreciate you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these accounts ( 1 ). ( A ). I'm confident the contested accounts are settled. XXXX XXXX Balance Owed : {$41.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Product: Student loan

I am waiting for a recount of my qualifying direct loan payments which count towards public student loan forgiveness. I requested the recount in XX/XX/XXXX, at which time they told me this would take a year, and it is now XX/XX/XXXX and the recount has still not been performed.
Product: Consumer Loan

I got a car financed through Chrysler Capital i was told by the dealership i would be able to refinance my loan and Chrysler capital told me they never refinance. My car was XXXX i have had it for 3yrs payn XXXX a month i owe XXXX on the car now and i have 3 more years on it. In all i have paid XXXX dollars on this vehicle already and none but XXXX dollars has applied to my account.
Product: Debt collection

I have tried to get this alleged debt validated. It started when XXXX sold the debt to XXXX XXXX XXXX XXXX. I got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent them a validation letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond. So I sent another letter on XX/XX/XXXX, that was also not responded too. According to XXXX XXXX, XXXX they sent me an email requesting payment for the debt. I never gave anyone authorization to email me about a debt or payment of alleged debt. Well guessing the alleged debt was sent back to XXXX. XXXX yet again sold it to McCarthy , Burgess & Wolff , Inc . I sent in a request for validation on XX/XX/XXXX certified mail. I have sent validation letters to XXXX in XX/XX/XXXX and XX/XX/XXXX. I also sent 609 letters to XXXX and XXXX   about this alleged XXXX debt. Everytime it comes back as " verified ''. But no proof as to how they verify it.
Product: Checking or savings account

I am writing to make a complaint on Current Bank. It is a XXXX XXXX. I have a XXXX XXXX card with this particular bank. I have been using the card for rental cars, to keep my funds separated. On XX/XX/2024, I had a pending charge for XXXX on my account. I reached out to the rental car company XXXX via phone and email to stop any payments from this account. I had a new form of payment to use instead. I also used the block feature on Current for this company. I was told by XXXX of their reps this is their stop payment. The charge was pending on my account up until XX/XX/2024, after I dropped off the car on XX/XX/2024. The rental car company was STILL allowed to overdraft my account for XXXX, EVEN after taking away authorization to draft this account! Not only is this amount wrong, it was as if the stop payment did NOT matter. I reached out to XXXX they provided me with XXXX  help. They ARE NOT helpful in anything. They lie and overcharge! I was advised by XXXX themselves to send the email I also left several messages with their supervisors I never got a response from them EVER. They continued to charge the card AFTER the email was send stopping any further payments from that card. Im still waiting on a response in regards to my missing XXXX XXXX  and XXXX XXXX. I did an incident report with their lost and found nobody has responded back to me. So, I didnt really expect them to respond. Which I am reporting then to XXXX. Furthermore, Current Bank provided me with XXXX  assistance. I disputed the transaction, pointing out to them I put a stop payment in place to XXXX and the bank. Nobody was able to help me in any capacity. They kept giving generic answers such as the account was force charged, and the Block ( stop payment ) feature would not work in this instance. On top of that, me providing them proof of my emails and proof of the Block feature in use did not work neither. I still lost the dispute. This has caused me an enormous amount of stress and loss of funds. I just feel lied to by both companies. I will attach proof.
Product: Checking or savings account

My RobinHood account has been restricted. I keep submitting the documents they ask for and nothing is being accomplished. Today ( XX/XX/2024 ) I have credit card bills due and I can not pay them because of my account restriction. This is going to damage my credit score and cause me to incur late fees. Furthermore my paycheck was rejected due to the account restriction, causing another set of spiraling problems. 

I've been reading about others have said that had this same problem and Robinhood stated " ... We are unable to verify the legitimacy of the remaining funds in your account. Therefore no money remains to be returned to you. '' This would be absolutely devastating if my money is seized. I just feel immensely helpless.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act grain acount # XXXX XXXX  acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXX XXXX  acount # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my federally protected rights 15usc1681 section 602A states I have the right to privacy.15 usc1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received an email regarding assistance for NFCU customers affected by Hurricane Florence. I visited the website and read the ad. Since we lost everything in the Hurricane, I called. We have insurance but we don't know how long it will take to get funds. For the time being we are staying with family and hotel rooms. 

The rep takes me through the loan process and then asks which account to deposit the money into. Next she informs me of the interest rate and monthly payment. I began to very hopeful. Next she tells me I am denied due to my credit. 

Why would they take someone through that process who is already distraught. Their ad seemed to be a humanitarian effort. However, it is a marketing ploy for monetary gains. Making money on someone else 's misery. Humanitarians are those who get down in the trenches and help. They rebuild the community by starting with people who were affected by the tragedy. Because they know that without the community their business will fail. So they build the community up not only for monetary gains but so that they can say we were there in that moment not just for our customers but for the community.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with XXXX XXXX as well as resided at the property as a leasing agent they have since then sold the property. As a result of my evition I was also XXXX. Now on my credit report I have an eviction and being fired from this job.So when my background check is done this disqualified me for employment in the leasing industry But XXXX has long since sold the property but my credit has permanently been damaged by this.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXXXXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I attempted to reach out to TD Retail card services on XXXX due to the company locking me out of my online account at their own error. I was left on hold for over XXXX minutes with XXXX resolution and there is no option to resolve this issue any other way. I reached out by email on Friday and received a call where I was told that someone from retail card services would need to help me. I received a call today during the work day which directed me back to the line where I was forced to stay on hold for an absurd amount of time. When I emailed back to request a call at a different time so that I could resolve the issue that they created, I received an email back stating that they could not help me. Customers should have a reasonable expectation of being able to be serviced without having to take a day out of work to wait on hold for a company that is so clearly just trying to stretch their dollar so far that they wont employ enough people to answer the phones. At this time I am left with no option to pay my bill and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year ( XXXX ) in the early part of the year I attempted to get a free credit report as well as apply for an account with a lender. At the current time I was informed that my credit report was blank. As per the Equifax customer support agent I faxed to Equifax a copy of my birth-certificate along with a copy of my current ID as well as my Social Security card . At that time the account I attempted to open was declined due to the inability to obtain a credit score and report. After continuously fighting with Equifax within the last year and not being able to access my report or any financial serves due to no report or score available I was told once more one month ago on XX/XX/XXXX by another Equifax employee to mail in another copy of my Social Security Card and current ID. Once more I compiled with a certified letter to Equifax on XX/XX/XXXX. A few days latter the letter was received and signed for by Equifax and I had been advised to wait for 10 business days. It has now been well beyond this time and I still can not access my score, report or obtain any financing by a creditor. This is unacceptable and I feel as though I am being held hostage by Equifax, the representatives are rude and very hard to understand and I should not be subject to this treatment or behavior!
Product: Debt collection

Don't know what to do with the delay in getting back to you sooner than a decade ago when I was a kid in a few types of the best chance to win one of these things are going to have a great time in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the Second Time that I'm having a problem with my credit these account needs to be block. this is bad for my personal life and business can these account be taking off my account thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ Experian, XXXX, XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 
XXXX XXXX account number XXXX is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting account types XXXX states the account is open Experian said it is a cell phone account also XXXX says the account is open and all XXXX bureaus are reporting the account status is closed if you get your information from the same place why are my reports so different is this XXXX XXXX or closed how can a account be open and closed which on is it ] I am requesting that [ Experian, XXXX and XXXX ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( XXXX ) as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Experian remove fraudulent inquires on my credit report, but they have failed to remove them.