23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XXXX-year old father was the victim of an unscrupulous unlicensed contractor, and who turned out to be a thief and a vandal. My father purchased items for a home-improvement project and had the items in this contractor 's truck. Instead of delivering the item to the house for the project, the contractor absconded with the home improvement material. He also returned to the property and vandalized my father 's vehicle and stuck a nail inside his newly purchased 'run-flat ' tire. We filed a report with the XXXX XXXX, California Police Department ( XXXX ) XXXX ext XXXX, about the theft of the items and the vandalism. Police Report Number XXXX XXXX. I also filed a claim with my credit card company for the vandalized tire that could not be repaired and needs replacement. 

The credit card company has purchase protection for damage/theft. A claim was filed with them on or about XX/XX/2018. They were provided with photos of the damaged tire, the receipt for the purchase and a copy of the police report along with contact information of the police department and officer who took the report so that they could/would access the report themselves and their would be no question or problem with the 'chain of custody '. 

However, despite being provided with all the information they requested on multiple occasions, the carrier for the company has not made a decision on the claim and has been dragging their feet. To date, after two months, the claim is STILL outstanding and the carrier is requesting the same information AGAIN, thus acting in bad faith.
Product: Student loan

I am a XXXX XXXX XXXX XXXX holder, and this loan type has caused significant and ongoing hardship for my family. Both wife and I have been educators in public schools for the past 30 years. 

We are now retired with our student loans ballooning due to accrued and capitalized interest to over {$150.00}, XXXX. This is unjust especially since we are not eligible for PSLF due to our loan type XXXX. The loans should have been separated two years ago when the XXXX law was passed in XXXX. 

My complaint is that the law to separate these loans passed in XX/XX/XXXX. As of XX/XX/XXXX, nothing has been done to separate these loans. In addition, we continue to be ineligible for PSLF due to our loan type and the seemingly deliberate delay in the Department of Education in separating our loan to transfer to direct loans so we can qualify for PSLF. 

Because of this delay, we continue to experience hardship on a teacher retirement income with several illnesses. We can not afford to pay the loans. We should have been able to separate and receive PSLF, except for the Dept. Ed. deliberate delay in completing the process. 

It is unlawful that the process and the law have not been followed. The Department of Education delay has caused severe emotional, physical and financial hardship. It is unjust and unlawful. 

We need to know when the process for separation will be completed and if our PSLF will be implemented. 

Current FSA complaint numbers : XXXX case # XXXX XXXX case # XXXX I have made several complaints to the Dept. of Ed ombudsmen since XXXX with no resolution.
Product: Debt collection

In XXXX spousal support {$500.00}. for 9 years. End of XXXX ' that ceased and I tried to work with creditor for the {$3000.00}. I owed. But they kept adding fees and continuing calls some XXXX x a day. I filed bankruptcy in XXXX that got lost. My kids unknowingly paid them in XXXX. I again tried to work with them to no-avail. Every time they sell the loan I get harassed. I explain everything XXXX times. The last company every day, threatening to come after me or take me to court. Which I am all for! Then I learned about Cease and assist no communication.so each time in writing I give it to the people. The last time was maybe 6 months ago. Today I got a phone call from the same number XXXX XXXX from a XXXX XXXX from XXXX Recovery. He said my balance was $ XXXX on a {$3000.00}. debt. In XXXX every day multi calls they harassed me so much I had a nervous breakdown. I did everything in my power to work with them to no prevail. My credit in XXXX was XXXX I paid my bills. In XXXX ' I lost my ; spousal support, lost my business, had my regular job cut, was paying {$1200.00} a month on health benefits and my son XXXX while living with he dad. I am a XXXX senior on {$1500.00}. a month. I make too much to get any benefits. I have no credit cards since XXXX ' I owe nobdy nothing and my credit score is XXXX all debts are over 7 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I transferred {$250.00} from my PayPal account to my bank card. I paid the 10 % fee for instant transfer but after 3 hours the money never reached my bank but it disappeared from my PayPal account. I contacted PayPal and was told to check with my bank. My bank said that PayPal declined the transfer and that's why it didn't go thru. But when I contact PayPal again this time they said it was a communication error. I have spoke with multiple people at PayPal and no one can tell me where my money went nor will they will me when I will get it back. This is a lot of money for me. And I can't get ant straight answers from PayPal about when I will get it back. They said they don't guarantee these transactions but that can't be right. They can't just lose my money like that can they?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Product: Payday loan, title loan, or personal loan

I called Navy Federal Credit Union Dispute Department to pay {$680.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

I send {$5000.00} via XXXX  to an existing email address in the bank of america app. for a rental application. It turned out that the person on the account ( XXXX XXXX, XXXX ) is fake and not existing. 

Seems Bank of America didn't check the ID or SSN that was provided.

What can be done? Bank of America is still investigating, but I already opened online scam cases at XXXX. there are multiple people involved. Another person is XXXX XXXX 's, living in XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

Several accounts are showing paid but still displayed on credit report inaccurate with XXXX, XXXX and Transunion. Each agency has different reporting on some accounts. XXXX XXXX paid off {$1600.00} XX/XX/XXXX, XXXX  XXXX paid off {$650.00} XX/XX/XXXX, XXXX XXXX {$1500.00} XX/XX/XXXX, XXXX XXXX {$3600.00} XX/XX/XXXX, XXXX XXXX {$2300.00} XX/XX/XXXX, XXXX XXXX {$990.00} XX/XX/XXXX, XXXX  {$850.00} XX/XX/XXXX, XXXX XXXX  {$16000.00} XX/XX/XXXX, XXXX XXXX {$210.00} XX/XX/XXXX, XXXX XXXX  {$1200.00} XX/XX/XXXX, XXXX XXXX {$31000.00} Identity theft
Product: Credit card or prepaid card

I went to purchase a music box on a website XXXX XXXX XXXXXXXX for XXXX dollars ; I was going to use my credit card but when I went to check out the page automatically went to Paypal and then quickly went back to the website XXXX  and it showed that the item was paid for by my Paypal, which I did not want to use, nor intended to use but it all happened so fast and now in hindsight, I think what happened that this site has a script on it or something that checks quickly if the person has Paypal and since I did and my password for Paypal site is saved the purchase went thru. When I did not receive an email from the merchant like the way every purchase you make online does and along with the weird check-out episode I got very suspicious so I contacted Paypal right away within 5 minutes of the transaction and Paypal said I needed to take it up with my bank [ my Paypal card is backed by my bank checking account ] I said why and they told me the purchase went through with Paypal and told me I made a transaction by " sending money to family and friends '' and they don't offer protection for transactions of sending money to family and friends. I tried to tell them I did not send money to family and friends but instead purchased a music box on this website XXXX XXXX XXXXXXXX and was going to use my credit card but it automatically went through Paypal, which was weird in itself and so I contacted my bank to stop payment but they told me I had to wait for the transaction to clear ; I said I don't want it to clear because if it is fraudulent it will be just giving a criminal my money but they said that is their policy for it to clear first [ which I think should be a crime in itself ] so after it cleared they said they would file a dispute and after 60 days they denied my dispute because Paypal told them that the transaction was " sending money to family and friends '' and they don't offer any protection for this type of transaction. I asked them why would I " send money to family or friends '' when I am purchasing a music box on a website. Neither my bank nor Paypal would help me and I and out the XXXX XXXX and never received the music box..This complaint is against XXXX and Paypal . I filed a complaint to the hosting company that hosts XXXX XXXX XXXX which is XXXX. all they did was remove the website. I did some investigation and the person that had this site also had about 10 other sites with some of them still up and running. I just want my XXXX dollars back.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conumer.
Product: Credit card or prepaid card

Im filing a complaint re : Synchrony Bank debt collection actions on 2 accounts ( mattress & carpet ). I informed them on XX/XX/XXXX that I had a family emergency & would catch up missed XX/XX/XXXX. payments in XX/XX/XXXX.,  including any late fee. Since then, the co. has contacted me several times a day, 7 days a week, on both my home & mobile phones, even though Ive asked them to stop. I went online today after I received another call, & was required to update my phone numbers, even though theyve called me on both since XX/XX/XXXX. I can send copies of communications. Thanks for your help in this matter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX ACCOUNT : {$2300.00} # XXXX, ACCOUNTS : XXXX XXXX {$720.00} : # XXXX, ACCOUNTS : XXXX  XXXX BANK {$130.00} : # XXXX, STUDENT LOANS : XXXX  XXXX  {$3400.00} # XXXX, STUDENT LOANS : XXXX XXXX  {$2000.00} # XXXX, ACCOUNT : DEPT OF XXXX {$840.00} : XXXX violated my rights. I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate including 8 inquiries on my Equifax credit report. XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX XX/XX/XXXX, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of 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. and according to 15 USC 1681s-2 they are suppose to 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

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX  XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX it has been over 45 days which gives a reason to immediately remove those items from my credit report. I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately. My credit was also effected by the exactis data breach and my social was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX, I visited a Diller ship to see a new car for myself. The seller said that he had a great offer for me. I did not agree because I did not want my credit score to drop because of their inquiries. The seller assured me that their dealership only works with three banks. And that all these inquiries will not be hard inquiries, and will not even be displayed in my credit history. I agreed and signed the permission to disclose my personal data. I clearly remember that only one XXXX XXXX bank wrote. I was unable to open a loan. I got upset and left. But it got even worse when, a month later, I found 25 Hard Inquiries on my credit report. I began to call the dealership, and ask to contact the manager. They wrote down my request, gave the application number, and said they would call back. But no one ever called me back. In the end, after a month of fighting with the dealership, I decided to go further and tried to resolve my issue through credit bureaus. I wrote letters ( I am attaching a copy of these letters ) that I did not give permission to all these organizations to do hard inquiries on my report. The bureaus did not answer me or simply sent me a report from my credit history for some reason. As I understand it, this is some kind of standard mailing for everyone. Then I started calling the bureau. XXXX XXXX and XXXX told me that I should call all these banks and tell them that I did not make these requests and then the banks will send an update to the bureau deleting these inquiries. And in Experian, an answering machine constantly answers me. I started calling banks. Apart from the fact that I spent a huge number of hours waiting for an answer, I ended up with nothing. Bank after the bank told me that I did not have an account in their bank, there was no information on my social security number. When I asked " why your bank is in my report as the bank that made the Hard Inquiry? ", they answered, " We dont know. Write a letter to the bureau to remove these requests. '' I answer them, I wrote and called, but the bureaus say that they can not do this without your confirmation. What is the result? A year of my life has been spent trying to get my country 's financial system to protect my rights. And everything is empty. The Bureau sends me to the banks. And the banks say that they have no information about these inquiries. This is some kind of XXXXXXXX XXXX XXXX. Where can I seek protection and how to get all these fraudulent requests in the amount of 25 inquiries to be removed from my credit report, I don't know. I found your site by accident. And I really hope you can help me. I enclose a list of all unauthorized inquiries. I am also enclosing all the correspondence that I have had all this year with banks and bureaus.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Student loan

I have made consistent payments since at XXXX, possibly even going back to XXXX. Often times I have doubled my payments in an effort to quickly pay down the principle. When I inquired why my principle was not decreasing I was told that when I made extra payments that accelerated my interest, and any additional money I paid only went to interest instead of the principle. So essentially I had just been giving money away. So for probably the past year I have only been making minimum payments, but I have paid no less than {$290.00} per month every month for the past six years and only approximately {$1900.00} has gone to the principle on my loan. For some reason I have 5 separate loans with Navient. Since I've been making minimum payments I notice they are allocated in a way that I will always have a past due balance on at least one of the loans. For example if I have due payments of {$50.00} for each loan, and I make monthly payments {$250.00} ; one month the {$250.00} will only be allocated to the consolidation loans, then the next month it will be allocated to my other loans and the fees and interest from the previous month. Additionally every time I call them always try to talk me into a forbearance, a hold, or a adjusting my monthly payment which I have learned result in higher loan amounts.
Product: Credit reporting or other personal consumer reports

Account # XXXX TransUnion is still reporting one of my US DEPT OF EDXXXX loan when all the other credit bureaus have deleted them from my credit report. This account has been reported deleted by the department of education since I applied to their fresh start program.
Product: Credit card

I contacted Capital One Bank to have the Hard Inquiry removed from my credit report from XXXX XXXX, XXXX. I was XXXX  at the time and did not apply for credit with them. This is some type of fraud/identity theft issue. They did not agree to remove the inquiry. i send them proof of XXXX  at the time in question.
Product: Debt collection

repeated calls threatening me and involving my child who is a minor. They will not provide me with complete information. Phone calls are harassing and will not stop.