23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have in correct amounts reporting on my credit report and this acct was charge off, yet the company took actions of collecting money from me under false pretenses, Now they wont update the acct and they are taking more money out my acct, reporting twice under XXXX different accts hurting my XXXX score. I have paid to date over XXXX thousands dollars. please review and have them remove and it's a time limit to garnish money too.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that XXXX complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

They stole 16 months worth of on time never late payments and refuse to give them back there own website supports my facts
Product: Student loan

I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.
Product: Consumer Loan

I am aware of what this credit card debt is and it is well over 7 years old, which is well over the statute of limitations for debt collectors to collect this debt. It 's so old it should no longer be reported on my credit report which is causing me financial harm and XXXX in trying to get a home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a series of XXXX in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, Experian, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Product: Money transfer, virtual currency, or money service

unknown phone number XXXX text messaged on XX/XX/2021 " PayPal : An unknown device trying to access your account : location : XXXX IP adress ( sic ) : XXXX Navigator : XXXX  ( XXXX  ) Please confirm your information for security measures : XXXX  : XXXX/ '' I do not have a paypal account. 


Thank you
Product: Checking or savings account

Credit Karma Money is withholding money from me by stating that my account is frozen. I've requested multiple times to have answers and a solution to get access to my funds and unlock the account. 

It's going on 30 days when I reached out to them and I have yet to receive a response. I am told that the issue with my account is escalated but I never hear from anyone regarding the matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates ( XX/XX/year> ) Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Student loan

My private student loan with AES has been traumatic experience in my early adult years where this company worked against my best interest to incur interest while I was still in school and strong armed me while I was struggling to refinance this loan at a XXXX % variable interest rate for 30 years. Resulting in my already paying XXXX XXXX XXXX XXXX  dollars over the original amount. 

Once I pushed my career to a point that I could get a handle on this loan I was able to refinance I did so with a company I trusted and for years actually paid down the principal of this loan. Then I found out that AES bought that company and I'm stuck with them again. 

It is not even the full first day that AES owns this loan AGAIN that they are already spamming my email saying I'm delinquent without even first sending notice that they have this loan.
Product: Money transfer, virtual currency, or money service

An authorized subscription payment was made on my XXXX ID. I called XXXX for a refund and I was told that I have been paying for XXXX XXXX for the past 4 months and a refund of {$450.00} will be sent to me. I was asked for my drivers license, last 4 of my social security number, name and address. I was told these were updates to my XXXX ID due to me changing my address and phone number. Changes were made to my XXXX ID by an authorized person.Unknowingly, there was an unauthorized transaction made from nutmeg credit union to money gram. An unauthorized money transfer if {$450.00} sent withdrawn directly from my bank to money gram.
Product: Credit card

Elan Financial Services/ associated with XXXX XXXX XXXX XXXX just emailed my husband and I letters stating our address has been updated for a credit card ending in XXXX. This card should have been closed years ago! My husband had identity theft 3 times in Arizona when we lived there, once with a desert schools card! It looks like they never closed it and are phishing for information. This card should have been closed years ago. CLOSE THE ACCOUNT AND LEAVE US ALONE
Product: Debt collection

Ive never dealt with money lion I disputed the charges multiple of times
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I was charged for the attorney and recording fee on XX/XX/2023 as shown on the statement dated on XX/XX/2023 ( see statement ). I have filed a complaint previously to CFPB regarding the foreclosure proceeding by Service Mac prior to the deadline of the document submission on XX/XX/2023 ( see attached letter dated on XX/XX/2023 ) and the foreclosure was suspended on XX/XX/2023 due to the completion of the loss mitigation package ( see letter dated on XX/XX/2023 ). The mortgage forbearance was approved on XX/XX/2023 ( see letter of mortgage forbearance approval ). Therefore, the attorney and recording fee should not charged to me due to foreclosure proceeding activation prior to the deadline of the document submission and foreclosure protection after foreclosure suspension.
Product: Credit card

On XX/XX/XXXX,. XXXX I made a reservation for a 10 day stay at an apartment in XXXX de XXXX, XXXX ( from XXXX ) using a website called XXXXXXXX When I made the reservation, the amount shown on screen was different to the amount that I was ultimately charged. When I noticed that I was charged more than what it originally said on the website, I immediately canceled the reservation. Even though the reservation was canceled within 24 hours it was made, the website did not return my money and said that they were just a middle man and that I would have to contact the owner of the apartment in XXXX directly to try to obtain a refund. Given this issue, I filed a dispute with the credit card I used to make my reservation which was my Applecard Goldman Sachs. Despite providing a screenshot of the email from the merchant saying the reservation was canceled within 24 hours and a screenshot from the website itself showing the same thing, Goldman Sachs has denied my dispute 2x ( we are currently in the process of a third dispute on the same matter ). I received notice today that Goldman Sachs has submitted a remark of 'Consumer disputes after resolution ' on my credit report which can negatively impact my ability to receive new credit in the future with other providers and lenders. I have contacted Goldman Sachs today ( XX/XX/XXXX ) and spoke to one of their Dispute Managers who said that my situation is tricky and that they will continue to deny my dispute due to no evidence. He advised me to try to pursue the apartment owner in XXXX for my money back. I keep telling them that I don't understand how I'm supposed to have to honor a payment for a reservation that was canceled within 24 hours it was made and that I did not stay at the apartment 2 months ago for when the reservation was for. I don't know how I'm supposed to chase down some random person in XXXX for my money back either. I'm asking for help because I don't know how else to resolve this situation. How can I provide any further evidence if I did not stay there or receive the service? Am I really on the hook because I made the mistake of clicking on the wrong website who pulled a bait and switch on me and now the credit card company puts the onus completely on me to chase the owner of the apartment in XXXX to get the money back for a reservation that was supposed to be for two months ago?
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Me and my mother went to Citibank branch in XX/XX/year> and been told that our account are blocked. But all we do is used XXXX to transferred money from my another bank account. Then few days ago, I received an email from Citi saying that " Based on a recent review of your account, we found that you have violated the terms per the client manual. '' Well, I said fine. After 3-4 months I finally received some of my money. But there's still {$1300.00} balance in my account, so I patiently waited 3-4 months, and I still didn't receive anything from Citibank. So I went to the branch again and been told that my money " stuck in the middle and I have to contract XXXX  XXXX XXXX to " File Hold Harmless Claim '' so they can return my remaining balance to the originally account. I said fine. then I called XXXX  XXXX XXXX, but the representatives expect the Citibank to contract them directly. 

Since I did what I can, So I'm submitting this complaint.
Product: Checking or savings account

I spent over an hour shopping, just to get to the checkout XXXX and find out that my financial institution ( Discover Bank ) was in the middle of an incident and would not allow any transactions. They had no estimated time for resolution, and no solution for completing my payment. My funds were completely inaccessible with no warning, no funds availability, no incident disclosure, no remedy, nothing. This is completely unacceptable for a large financial institution, they should be fined and reimburse their customers for such problems. We waited over an hour at the store, just to walk out looking like scammers because we couldn't pay.
Product: Debt collection

I have a {$6000.00} debt from hunter warfield and they took it off by disputing it because I asked for proof of the leasing agreement and they did not have it. However, they recently added it back plus another charge for {$100.00} of debt from them. I got it taken off because I wanted to fix their wrong doings & also build my credit back from how far down it has knocked me. Please let me know what I can do for this. Thankyou.

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

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX I need to dispute this whole account and past due bill and and any incoming bills from XXXX and Reference : XXXX and You had a account from XXXX with account number XXXX bill should be {$890.00} not {$860.00} and yall first agent got smart to me didnt want to dispute it for me he say he will dispute the XXXX bill but I dont know if he did or not and the other one didnt want to dispute it she claim she did I need yall to verify it if they both dispute it or not if they didnt I want yall to dispute it and send me proof when it is dispute or when it was dispute and what happen next when it is dispute my address is XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX or XXXX XXXX XXXX Pennsylvania XXXX and I also like to make a complaint on both agents to and report them too yall to investigate them thanks and the third didnt want to help me I want to make a complaint on her too and investigate her too and also send the dispute account back to XXXX and what will happen to the dispute account go back to XXXX or what will happen to it or who will have control of it then now etc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ) is illegally reporting my information to Credit Reporting Agencies ( XXXX XXXX, XXXX, and EXPERIAN. 

15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. in accordance with the written instructions of the consumer to whom it relates I dd not give verbal or written consent for my information to be shared with Credit Reporting Agencies
Product: Checking or savings account

I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX {$300.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  Account Number : XXXX {$0.00} and list of Inquiries. 

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 or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Product: Payday loan, title loan, or personal loan

Im a XXXX XXXX Veteran. I took a Loan out with the Original company named XXXX. In XX/XX/XXXX, A company named SST took over and changed name to SST XXXX. Since that Time, they have ruined my credit. After the first six months of SST taking over they did not report any Monthly Payments the any of the Credit Agencies. I called over 40 times to get this resolved. It never took place. Then Covid-19 hits the country and My family is affected Directly. I call and ask for assistance and they make me send in Medical records for my mother as verification. Then tell me they will let me know within 7 days if I am approved for relief. Then about 3 weeks later I call and they tell me I was approved and I needed to make a payment. I had made a payment on the previous month already. They never gave me the relief and ruined my Credit. Finally when I missed a Payment they reported it to the XXXX XXXX. I settle my account with them on XX/XX/XXXX. They have yet to report to my Credit Report and have not update thier account. This Company is a FRAUD AND NOT LEGIT. IT IS A RIPOFF AND SHOULD BE INVESTIGATED! 


XXXX XXXX XXXX XXXX XXXX VETERAN
Product: Debt collection

In XX/XX/2022 I purchased XXXX XXXX fold XXXX from XXXX inside a XXXX XXXX store located in XXXX XXXX XXXX California. Then I returned the item in XXXXXXXX XXXX2022 at XXXX XXXX, XXXX XXXX. 
Then I contacted through phone and let XXXX know that I returned the item. And sometimes in XXXX they ( XXXX ) confirm me that they have the item ( XXXX XXXX ). But in XXXX they send me the whole due bill for the smartphone. But actually I owe money to XXXX because I returned it. I have attached return receipt which I collected from XXXX XXXX store where I returned the item.
Product: Credit reporting or other personal consumer reports

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.