23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, I mailed to the creditor 's lockbox address my check number XXXX in the amount of {$12000.00} to pay off in full my car loan. When two weeks elapsed since my check not being cashed, I telephoned the creditor 's customer service number on XX/XX/XXXX to inquiry why my check had not been cashed. I explained to the person who took care of my telephone call that I was paying off my car loan because it was a condition to the approval of a mortgage credit to buy a new home. 
Since I had a need to show evidence of having paid in full the loan, the person with whom I spoke suggested that I utilized the online payment system to pay off the loan. This person explained to me that I would have to do two payments since the system would accept as the maximum amount {$10000.00}. I mentioned the fact that a check was already on its way to the lockbox address. I was told that I should not worry since in about two weeks time the overpayment would be refunded to me. 
Immediately after I concluded the telephone conversation, I proceeded to effect the online payments. Unlucky for me, that same day my check was processed. 
Given the holidays, I waited until XX/XX/XXXX to see if the refund check would arrive. Since the expected refund did not arrive, on XX/XX/XXXX I made contact again to see what the status of my overpayment refund was. 
The person who took of my telephone call on XX/XX/XXXX was very courteous. She explained to me that only a refund for {$2900.00} had been approved for processing. When I gave her all the information concerning the overpayment, she indicated that she would look into it and would get back to me inform me of the status of my refund. I never got the promised telephone call. 
I again telephoned on XX/XX/XXXX to inquire on my refund. I was told that the refund matter had been referred to accounting and that I would get a telephone call back on XX/XX/XXXX to tell me what the status was of the refund claim. 
On XX/XX/XXXX, I received a check for {$2900.00}. I did not receive the promised telephone call on XX/XX/XXXX. I am still owed {$10000.00} by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE FOR THESE DEBT WITH XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, AND US DEPARTMENT OF EDUCATION . I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closed this dispute prematurely. In Equifax 's report, they stated they were waiting for the company ( XXXX ) to provide their findings which they have not. This complaint/dispute needs to be re-opened until XXXX provides a satisfactory response to me. 

On the week of XX/XX/2021, I received a letter from Equifax stating they were unable to locate a credit file in their database with the identification information I provided. Equifax went on to state, in order for them to assist me they'd need me to send proof of I.D and my current address. The problem is Equifax has been reporting and updating my personal information without my consent, approval, or furnishing my personal information to them for years without me confirming any of it was true. Why now do I have to prove who I am and why wasn't these precautionary measures taken when a fraudulent account was opened in my name? Had Equifax and the other bureau checked with me first to confirm that I opened this account, we wouldn't have this problem now!
Product: Credit card or prepaid card

To whom it may concern, I am an American Express credit cards customer, and my membership rewards account has been disabled to use. When I try to transfer points to airlines ( for a holiday ticket ) it failed and shows This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have contacted Amex customer service and got replied with the following info : XXXX. No specific reason for this review was provided. 
XXXX. No specific finishing time was provided, only to be told that the review process will be XXXX weeks from the day I get the most recent welcome bonus XXXX XXXX XXXX 
XXXX. I can not use my rewards points until they finish the review process. 

I think their reply and solution are unreasonable and irresponsible. 
I applied for American Express XXXX XXXX XXXX XXXX on XX/XX/XXXX and got approved the same day. In the package of my physical card, the term says I will get a XXXX membership reward as a welcome bonus if I spend {$6000.00} in the first XXXX months ( which is from XX/XX/XXXX to XX/XX/XXXX, currently still within the time period ). I have attached my transaction history and it can clearly show how much I spend from the day I opened the account to now, which exceeds {$6000.00}. And I believe none of my transactions is violating American Express terms. 

According to my membership rewards history, XXXX points were added to my account on XX/XX/XXXX, which I DID NOT meet the minimum spending yet at that time. American Express MISTAKENLY issued the welcome bonus points to my account at that time. My transaction history shows I AM eligible for the XXXX welcome bonus, just American Express issued it to me at the WRONG time point. Im not sure if this is the reason that my account gets reviewed, but I believe this is totally not my fault, and I shouldnt have been losing my right to use my legitimate points due to American Expresss mistake. 

Besides, my questions and doubts for American Express are as follow : XXXX. I havent received any kind of notification ( email or paper mail ) about the review of my membership reward account. My card is not disabled and can be used without any problem. As a customer, I believed I have the right to know whether my account is available to use or not, and I should be notified if theres any problem happen. 
XXXX. According to the customer services reply, the review process began at the time I received the bonus, which is XX/XX/XXXX, and will last XXXX weeks. Today is XX/XX/XXXX, which is XXXX weeks from XX/XX/XXXX, far beyond XXXX weeks, and my account is still in review. I wonder how long it will actually take for the review process. 
XXXX. Even if theres some problem you need to review for the new bonus points ( which I believe I dont have any ), my existing points should not be affected to use. You can just put a pending status on the points with problem, instead of unable my whole account and dont let me use my past legitimate points. 

I have been an American Express customer since XXXX, and I am really disappointed with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experain allowing XXXX to report accounts that are exempt from debt collection to report the collection violating the Exempt Income Protection Act you can not have a collection on a person whom funds are exempt from debt collections reporting the debt is consider that you still have a collecting on exempt funds
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I'd like you to update and correct the status of my accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, i, sent out dispute letters certified mail to Transunion, XXXX and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 transunion and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the XXXX credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.
Product: Credit card

XX/XX/XXXX - Set up manual payment for total credit card balance of {$1400.00}. No indication in online account portal of any auto pay set up. This is a card not used since XXXX. 
- BoA processed auto pay for {$1400.00} on same date, resulting in overdraft on bank account and + {$1400.00} balance on credit card. 
- Called BoA on XX/XX/XXXX after seeing duplicate payment, stated they would issue refund to my bank account within 10 days. 

XX/XX/XXXX - Had not received refund ; called BoA. They claim to have issued refund on XX/XX/XXXX. Refund erroneously sent to an account at XXXX  XXXX XXXX XXXX not ever associated with me. 
- BoA claimed they would reverse this, issue refund to correct bank account that BoA has on file ( from where they debited my payments ), and have XXXX call me by XXXX  XXXX XXXX. 

XX/XX/XXXX - Did not receive refund or call from BoA manager as promised. Agent claimed they would issue a refund within 10 days still. Could not connect me with supervisor or manager -- claimed one would call me in 24-48 hours. 
- Asked for them to walk me through my autopay settings -- to see where it is set up and configured. Places to click apparently not showing up in my online portal. Agent said she spoke to a supervisor and they said that auto pay is not set up on my account. This is despite BoA processing an auto pay that led to the initial overpayment on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had to file an identity theft claim and have included that file.
Product: Debt collection

Debt collector portfolio recovery associates is on the banned collectors list. They have attempted to have me subpoenaed to court and hired a process server to fine and harass my family about my debt. Used harsh language against my XXXX XXXX XXXX XXXX XXXX  because she told the process server she did not know where I was at. The process server also ran my tags and was waiting outside stalking me for months. Multiple calls a day from this same banned debt collector. I received threatening letters in the mail about taking me to court. They have reported this debt to my credit report even tho theyre not supposed to report it because they are a banned collector.
Product: Credit card or prepaid card

I called the customer service department requesting that my account be closed they refuse to close my account saying that I had to send them my driver 's license or social security card and a letter with my address on it I told them that at the time I applied for the credit card I gave them my driver 's license which had my picture it had my current address on it and it had my driver 's license number on it I asked them to close the account they refused to do so
Product: Checking or savings account

Cash App always holds people money for same day refunds.. I have pictures of a receipt for a refund and Cash App told me they didn't receive the funds til XXXX days later. This isn't the first time it happen either.
Product: Debt collection

Kept contacting a family member regarding the collections. This is a direct violation of FDCPA because they had my contact information and address to utilize to contact me so there was no reason to be harassing any of my family.
Product: Debt collection

I am writing to dispute the reporting of a debt collection account by Midland Credit Management, which I believe is inaccurate under the Fair Credit Reporting Act ( FCRA ). 

In accordance with Section 609 of the FCRA ( 15 U.S.C. 1681g ), I am requesting verification of this debt, as I believe the account contains inaccurate information. Specifically, the issues I wish to dispute are as follows : 1. Midland Credit Management is not the Original Creditor : Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), a debt collector is required to report accurate information. Midland Credit Management is not the original creditor and has failed to provide adequate documentation proving they have legal standing to collect on this debt. I request verification that Midland Credit Management has the right to collect this debt, as required under Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must provide a verification of the debt upon request.

2. Inaccuracy in the Reporting of the Debt : The account in question may contain errors regarding the amount owed or other essential details. In accordance with Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ), I am requesting that an investigation be conducted into the accuracy of this account. If the account is found to be inaccurate or unverifiable, I request that it be removed from my credit report under Section 611 ( a ) ( 5 ) of the FCRA.

As per Section 611 ( a ) ( 1 ) of the FCRA, I am entitled to a response to this dispute within 30 days. Therefore, I request that you investigate this matter and provide me with the results of your investigation. If Midland Credit Management can not provide sufficient evidence to substantiate this debt, I ask that the account be deleted from my credit report as it is causing harm to my creditworthiness. 

Please confirm receipt of this letter and inform me of the steps you will take to investigate and resolve this matter. I look forward to your prompt attention and response, as required by law. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification that a Collection was placed on my Experian Credit Report. " XXXX '' put this collection of {$560.00} on my XXXX and XXXX Credit Reports as well. 

I have not spoken to anyone from XXXX in person, via phone, written correspondence or by electronic communication about this debt. Nor have I received a Validation Notice. 

I sent a letter stating my rights under FCRA 15 USC 1681 to Experian, XXXX, and XXXX requesting the removal of this item, to no avail.
Product: Payday loan, title loan, or personal loan

I took out an installment loan with CashNetUSA ( CNU Online Holdings , LLC ) for {$1200.00} on XX/XX/XXXX. 

The APR is exorbitant and predatory at 276.23 %. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. Per South Carolina law, I should have only been charged {$180.00} on this {$1200.00} loan. My total paid should be {$1400.00}. 

To date, I have made 11 payments for {$140.00} each totaling {$1500.00}. I have paid {$120.00} more than South Carolina law allows. 

If I make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in fees. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory. It is also against South Carolina law.
Product: Credit card

On account of the XXXX of my skin and in further violation of UDAAP, Goldman Sachs falsely said they were going have an escalation representative call me back but didnt because I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX also should have. I was lied to by customer service that I received a call back and the case was closed - when I never received any call back and my case was ignored because I was just an uppity XXXX who dared to speak up for my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type XXXX  XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for XXXX  months
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my bankruptcy discharge documents to equifax on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.
Product: Debt collection

I am writing to file a formal complaint against CONN APPLIANCES , INC. for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that CONN APPLIANCES , INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with CONN APPLIANCES, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CONN APPLIANCES , INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CONN APPLIANCES , INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CONN APPLIANCES , INC is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that CONN APPLIANCES , INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Product: Student loan

I have XXXX loans with Navient. XXXX loan, I can monitor myself online, have autopay set up and maintain. I am the student, graduated in XXXX. The second loan, I have a cosigner. A relative whom does not want to be cosigner. Around XXXX I filed for bankruptcy and was removed of liability of loan with cosigner. However, I still make the payments on this loan. After filing bankruptcy, Navient did not allow access of any information of the loan to me. They said cosigner needs to give ok. The relative lives in another state, making it so difficult for me to monitor my account. Not being able to take advantage of auto pay, denying me access to interest I paid for tax purposes. When asked to remove my cosigner, they made the transferring of ownership too difficult. I have loans with XXXX and XXXX success and maintaining loans with Navient has been the worst experience for both myself and my cosigner. I have to request my relative to check my balance and inform me an I never get to check if there 's an error since I 'm denied any information. I should be able to remove my cosigner and have access to my account like all other loans since I am the one making the payments.
Product: Credit reporting or other personal consumer reports

This company refused to remove a fraudulently opened account despite me sending proof of identity theft and a police report.
Product: Credit card or prepaid card

My mom and I have spent over 20 hours this week on hold to activate her card and we keep getting disconnected. 

All her bills are late and getting late fees along with the fact she is XXXX, this Direct Express company Ive ever tried to contact in all my life. 

We need help ASAP. 

No answer for over 20 hours of being on hold and stuck with no way to access her money. 
My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is _____XXXX XXXX XXXX My correct address is ___XXXX XXXX XXXX , XXXX, Ga XXXX____. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX XXXX