23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted an on-line payment on XX/XX/XXXX  of {$65000.00} to pay off my total student loan amount to Ed Financial Services . I received a message stating that the payment would be processed by end of day XX/XX/. The money was taken from my bank account, but has not been applied to my loan. It is still listed as " processing '' on my on-line account. In the meantime, my loan amount keeps going up because it is still accruing interest. I have tried to call multiple times and have waited for hours on hold but no one ever picks up the call. I have also tried the call back function, but the times someone has actually called back, they immediately hang up after I answer. The website 's online chat service does not work and the e-mail option says it will take up to a week to respond. I would like to know why the money they took from my bank has not been applied to my loan. Also, if they refuse to process the payments timely, there is no way to pay off a loan because the interest will just keep accruing in the interim that they are " processing. '' This company is grifting the loan holders and refusing to process payments.
Product: Credit reporting

There are some items that I believe they should n't be in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Product: Credit reporting

I have reached out to Experian Credit Bureau by mail and by phone. Explaining to them that this account on my credit report are inaccurate. Such as follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX. XXXX
Product: Debt collection

In XXXX of XXXX I was looking to relocate from XXXX to XXXX for a job transfer. Therefore I was looking to find an apartment in XXXX. I applied at XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX where I was approved and was scheduled to move into the property on XX/XX/XXXX I hadnt seen the location in person or anything just applied online. On XX/XX/XXXX I was diagnosed with the XXXX. At this time I was still located in XXXX  and I was XXXX, XXXX XXXX etc etc so I could not drive to XXXX to pick up my keys for the property therefore the property advised that if I didnt come in by the end of the business day I would be in default and charged a relenting fee as well as be responsible for accelerated rent until the property is rented out to another tenant. Which I was 100 % fine with paying the relenting fee, however the property then tried charging be {$26000.00} for the full 18 month lease starting XXXX however I found out someone was occupying the apartment therefore I emailed them advising them that I am aware that someone is renting the unit and that it it illegal to charge double rent in the state of XXXX so the property updated the balance to {$4500.00} but they sent it to collections although the least end date wasnt until XXXX and as of XX/XX/XXXX the property is STILL be occupied and the property is still attempting to charge me the balance although theres no indication that whomever is in the unit is vacating. My attorney with XXXX XXXX sent out a notice on XX/XX/XXXX to Cease and desist to both the collections and the property and the property NEVER respond neither did the collections agency. Prior to me getting an attorney involved I sent the collections Rent recovery located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX documentation advising the property is still charging accelerated rent for XXXX and they advised me to send the documentation so I sent the documentation and called them back numerous times after being notified that the documents were received and they NEVER answered back as theres only ONE person that ever answers the phone with the name of XXXX. I finally poke with XXXX months later and she advised they hadnt heard back from the property, so how are you charging me for a debt you can not verify neither was verified before you attempted to collect the debt? Both parties have been unresponsive in this matter and my credit is affected as well as its affecting my lively hood as I lucky to get a place to stay before it went on my collections but current property lease ended XX/XX/XXXX and the rent went up which is not affordable for me therefore I could not renew the lease and I am paying the new rent of {$1300.00} on top of {$250.00} a month to do month to month as I can not rent anywhere else with this on my credit. Im hoping this matter can be resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notice. I sent letters to XXXX, Experian and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.
Product: Credit reporting or other personal consumer reports

Citizen one auto finance did a hard inquiry on my credit profile without my knowledge. I never gave my consent to the this bank to perform the inquiry. This happened on XX/XX/XXXX. 2023. Please remove this item from my credit profile. Thanks.
Product: Debt collection

on XX/XX/24 i received a letter stating i owed a debt to XXXX. it was from frontline asset strategies , LLC. they mentioned the amount i owed XXXX, which was {$900.00}. This is an incorrect amount, as i do owe XXXX money but, it was about XXXX dollars i had left to pay for an installment and another XXXX for a watch i had with XXXX. As for why I left XXXX with this bill? Lets just say I stood longer than anyone in my position with this company would have stayed. They made a very big mistake on my account and admitted they made one but still stuck me with a big bill I wasnt liable for. Its a long story i wont go into here. but frontline is claiming i owe XXXX dollars but didnt give me a breakdown of my bill. Then they said they can garnish 90 PERCENT of my earnings over 90 days if they get a judgement against me in court. This is illegal in XXXX where i live as they are only allowed to take 25 % MAXIMUM. If im wrong please someone tell me because this is making me angry as XXXX is still harassing me for this. Im going to sue frontline if they try this on me.
Product: Credit card

I have a lot of experience with promotional interest rates and leverage these when possible. Wells Fargo 's credit card statement is extremely confusing and it was unclear how much needed to be paid and when to avoid interest rate. I had XXXX different promotional balances and the " warning '' that XXXX were expiring is on page XXXX within XXXX of XXXX boxes of information in regular font and very easily missed. As soon as I noticed I was incurring interest, I called. Even with the bills in front of me and them walking me through each piece, it is confusing when you have multiple promotions. There should be something on page XXXX near where your payment information is to highlight what is needed - full payment of the promotional amounts PLUS the minimum payment. I asked for consideration for the interest that was accrued in the 45 days it took me to notice this error and was not accommodated. I have exceptional credit and this credit card and a mortgage with Wells Fargo. I have never been this confused by promotional periods and have personal policy not to incur interest outside my mortgage. It feels like Wells Fargo does this intentionally to trip up customers and get the interest payments.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX. XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, Transunion & XXXX, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc. 

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, XXXX, and XXXX regarding an issue with my credit report. Upon reviewing my credit report through my report provider, XXXX I discovered that there is no data, scores, or other important information present in my report. 

This missing information is concerning, as it affects my ability to monitor my credit status and ensure the accuracy of my credit history. I rely on this information to manage my financial well-being, and the absence of such critical data hinders my ability to make informed decisions. 

I am requesting that Equifax, XXXX, and XXXX promptly investigate this matter and take the necessary steps to resolve this issue. I would like my complete credit report, including all relevant data and credit scores, to be accurately reflected and accessible through XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXXXXXX XXXX for attempting to collect a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it.

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access. 

I look forward to your prompt response in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
Product: Money transfer, virtual currency, or money service

A charge was made on my PayPal account on XX/XX/XXXX with money sent to an unknown international recipient through " friends & family '' method. I wasn't notified of any fraud until my bank ( XXXX  ) notified me that my account has been  overdrawn on XX/XX/XXXX and a large sum of money has been taken. In total, {$1000.00} was taken from my bank account, and {$1000.00} was taken from my PayPal balance, totaling {$2000.00} in money stolen. 
Checking the unauthorized transaction, the unknown recipient is seemingly based in XXXX with an email that is generic with a link to an XXXX XXXX account that doesn't exist. 
I filed an unauthorized claim immediately after finding out the issue and was denied after exactly 4 hours, without a proper explanation. I tried calling customer support during business hours on the same day with no response and resorted to commenting on PayPals brand page on XXXX in order to get a response from a representative. Upon receiving help from a representative " XXXX, '' I was immediately told that nothing can be done without an explanation. In fact, he used emojis with his replies as if a customer losing more than {$2000.00} was not a serious matter. He suggested I contacted my bank, but my bank suggested I contact PayPal regarding the issue. Half of the money was taken from my PayPal balance, in which can only be reimbursed though PayPal. 
I have followed all terms and conditions with PayPal since XXXX and this is the first time, I've ever had an issue with the company, to which they ignore all of my signs for help. 
I reached out again on XX/XX/XXXX calling customer support early in the morning to which a representative responded suggesting that the transaction was done through XXXX  - I asked if I could provide any documents to help out the case but the representative denied my plea for help and stated that the dispute would be resolved shorty. The representative opened another case which was shortly denied after about 15 hours with no real explanation. 
On XX/XX/XXXX I called customer again about the situation to which a representative stated that a credit card was added at the time of the money transfer and no further actions could be done. The representative said that they would send me a request to a supervisor who will further analyze the dispute, and it should take 24-48 to hear a response from them. 
It has been more than 48 hours and I haven't heard anything back. Since then, I have listened to the last representative 's advice and closed the credit card account that was added to the PayPal account, changed all of my account passwords regarding my financials, and turned on 2-factor authorization with PayPal. 
I have also contacted my bank about the issue, and they have since started an investigation and reimbursed the amount ( {$1000.00} ) that was taken by PayPal from me. 
PayPal has taken {$1000.00} of my money and show no signs of help and have not started any investigation on the recipient to which my money was stolen to.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> my identity was stolen I have been contacting Experian, XXXX and XXXX to remove these inquiries and negative items off of my credit report. Each time that I speak with someone Im getting hung up on or Im speaking with someone who is extremely rude. Dealing with this issue that caused a lot of embarrassment. Dealing with issue has dropped my credit score to the point to where Im getting denied to buy a home, purchase a vehicle, even an apartment.
Product: Mortgage

I have been struggling to keep my mortgage payments current and I 'm doing everything that I can. I have made several late payments but have recovered. I just got a letter from my mortgage company saying that my escrow account was insufficient by {$5000.00} and they need to collect the money. With the increase in my escrow from anticipating next years taxes and re-paying the mortgage company for deficit in my escrow this year my mortgage payment has increased almost {$800.00} per month. This is more than I can afford and I 'm afraid I will lose my house. I bought the home a year ago and I just do n't understand how my escrow could have been so incorrectly measured. I ca n't afford the {$5000.00} hit and with a brand new loan I do n't understand how this could 've happened. I called Penny Mac yesterday ( XXXX/XXXX/XXXX called at XXXX central ) and they would not or could not explain why it was so underfunded. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about 55 points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to XXXX different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with XXXX half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Product: Checking or savings account

On XX/XX/XXXX, I called Money Network to check my payroll deposit and there was only {$7.00} on my account. My paycheck was deposited and completely taken. I contacted Money Network and was advised a virtual check was written on my account. I filed a dispute with this company and was issued a new card. I have never authorized a check on this account. I have had this account since XXXX XXXX XXXXXXXX since XXXX and never had this issue. I received a new card and activated the card on XX/XX/XXXX and the money was not available. I contacted Money Network and advised the card is now activated but the funds were not on the card. I was advised by supervisor XXXX, the money was returned to my card on XX/XX/XXXX and someone by the name of XXXX XXXX wrote a check for {$470.00}, which left {$7.00} in my account. Therefore my account is now fraud for the second time, in less than XXXX weeks. I was told to file another dispute. I advised to Money Network ; my fear is now someone will take my money for a third time. XXXX told me to call every day to see if the money is back on my account. I asked, why can't a check be written to me and mailed to my home and close the account, as it is unfair, my money is being stolen and Money Network is not taking this seriously. I am XXXX  and work part time to put food in my home and this is causing a financial hardship to work, and someone keeps stealing my money. I have canceled direct deposit with XXXX for my future pay, however Money Network will not resolve this issue. Money now stolen is over {$800.00} dollars. First amount is {$410.00}. The second thief amount is {$470.00}. New case # XXXX.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of human trafficking. I have provided all requested information per the 605C FCRA laws. I am receiving services as a survivor from a Non-Governmental Organization. 

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the XXXX all the items were removed. 

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process. 

I am a survivor that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C.

I need these items removed asap so I can get out of debt bondage and move forward in rebuilding my life. 

Please help I am a mother and a survivor that does not deserve to be further victimized!!
Product: Credit card

I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted XXXX XXXX XXXX, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted XXXX XXXX XXXX  to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.