23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My son and I took a NJ State loan out for school. It was for {$13000.00}. We had trouble paying the loan which came due while he was still in school. I also had 4 other NJ Hesaa loans out for my eldest son. All of them were paid late or had missed payments back in 2018. For some reason my second sons loan of {$13000.00} was sent to collections. It is now paid directly to an attorney firm ( XXXX XXXX, XXXX from XXXX, NJ ). I have been paying this attorney firms for almost 2 years on time and in fact, more than requsted each month. YET.. my credit report still shows that this account is still OPEN and is in Collections. It also indicates that it is a Charge Off. If it's a Charge off, shouldn't it be closed? Further it indicates that I still own the same {$13000.00}. which can not be correct since I've been paying more than I have to since it was sent to collections. The firm handling this account tells me they DO NOT REPORT TO CREDIT BUREAUS!! ... I would be more than happy to pay Hesaa for this loan, however I am told by the firm that I can not do that and the account belongs to them. How can Hesaa continue to ding me with a charge off for the pays two years??? They are killing my credit when indeed I have been paying all of them bills on time for well over a year. I also question how this account went to collections and not the others that I have with my eldest son? I do not believe that my account should be in Charge Off status post sending it to a collection agency and why it is NOT closed with Hesaa?? I need this address immediately. I have faithfully been paying on time and still get dinged? That is not fair and I ask that Hesaa remove all of the charge off notices going back to when they actually did charge it off and sent it to be collected.
Product: Credit card

Usaa advertised a promotion for 0 interest on balance transfer with a 5 % transfer fee. I transfered a balance and they charged me a transfer fee and immediately started charging interest. When confronted they told me there was no promotion even though I received on and spoke to a representative on the phone to complete the transfer. They filed an internal complaint and after 2 calls I missed because of work never responded to my returned calls or called me back again. Basically mislead me and stole 5 % of the transfer ballance and XXXX dollars in interest. Mislead me and never even tried to resolve it.
Product: Checking or savings account

Penfed Federal Credit Union - Check # XXXX in amount of $ XXXX was deposited into Penfed savings acct on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, check was charged back. Ive requested documentation showing summary and to this date, have not received it via email. Penfed states check was charged back due to insufficient funds. Called multiple times and visited local office and each time was asked to submit additional documentation ( acct summary, check images, FRB confirmation ) thus the multiple uploads. Penfed insists check did not clear. 

XXXX XXXX XXXX XXXX - Per statement provided, check cleared XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, funds were pulled again and at such time was insufficient funds since already previously cleared thus being charged a {$50.00} fee. Spoke with manager and was also provided full account statement showing funds cleared. 

At this point, neither institution wants to take action to correct error. If funds cleared as stated, where did those funds go? All requested documentation has been submitted. Pls help! 

Thank you for your time!
Product: Credit reporting or other personal consumer reports

I sent an opt out letter to Mahindra Finance, XXXX XXXX XXXX XXXX XXXX and XXXX on XXXX according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received XXXX response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I was checking my report and came across accounts that I do not recognize.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX. 
XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX Equifax : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to this creditor with concern that the alleged debt was incorrect/ not mine. They have not responded within the 30 day period that is allotted by the Fair Credit Reporting Act with sufficient proof such as a signed application or a signed agreement proving that i am responsible for the alleged debt. As outlined within Section 623 of the Fair Credit Reporting Act, the duty of the furnisher is to promptly modify or delete the information, or block its reporting. Please remove the account Not only is the account inaccurate, the alleged debt is listed more than once, violating my rights.
Product: Credit card

On XX/XX/XXXX, I ordered a mattress, a bed, and a night table from Wayfair. The total purchase price was {$490.00}. The XXXX was delivered on XX/XX/XXXX, and the mattress and bed frame were delivered on XX/XX/XXXX. All three items were received damaged. The mattress was crushed in the corners ; the bed frame was scratched in multiple places, and the wood for the night table was cracked. I immediately contacted Wayfair via their chat function and reported these issues. I also submitted pictures of the damage via their chat portal. I was told someone would reach out to me. On XX/XX/XXXX, I received an email from Wayfair asking me to, again, upload pictures of the damage, which I did, again. See attached email. 
On XX/XX/XXXX, I again emailed them for a status. See attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
After having no response from Wayfair, I reached out to them again in the chat portal. I submitted pictures of the damage in the portal, again. Again, I was told someone would contact me. Again, there has been no contact from Wayfair. I have reached out to Wayfair a total of SIX times, trying to resolve this matter. They have never responded to me, contacted me, or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise, only to return items that I changed my mind about keeping, at my expense. 

I disputed the charge for the damaged merchandise with Citibank. Citibank closed my dispute and told me that I need a " credit slip '' from the merchant agreeing to a refund. What? It's damaged merchandise and the merchant has not responded to me, hence the dispute. 

I am not paying for damaged merchandise, nor should I be expected to. 
Under the Consumer Protection Act, I am entitled to a full refund for damaged or defective products. The merchant had 30 days to rectify this with me, and they have not. The Fair Credit Billing Act protects consumers on credit card purchases. I have followed every step necessary under the Act, and the charge needs to be removed from my account.
Product: Debt collection

I was called on  XXXX   XXXX ,  XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution  Cash Advance  and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX     told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by  Cash Advance . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their  XXXX  company on my bank statement known as  XXXX   XXXX   XXXX . I contacted them on  XXXX   XXXX ,  XXXX  and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from   XXXX   XXXX   and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted    XXXX   XXXX    and the agent  XXXX   XXXX  contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of  Advance America  who bought out  Cash Advance . They said they sold the debt to a collection agency who went out of business in  XXXX . My small debt was   XXXX  years old . They also advised me to contact the  XXXX , FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from  XXXX   XXXX   XXXX . Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I am writing to formally challenge the incorrect information currently displayed on my credit report. I have not authorized the reporting or sharing of my personal information with the companies listed below, as outlined by 15 U.S.C. 1681b and 15 U.S.C. 1681c. This situation violates my consumer privacy rights, as these entities do not have the legal authority to report any information in my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, which constitutes identity theft. Per 18 U.S.C. 8, I am not responsible for any debts related to these entities.

I hereby request the immediate removal of these disputed entries and inquiries in order to correct my credit report. Please address this matter as soon as possible and confirm once the items have been removed. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2022 someone used my information to open a checking account with Truist Bank. I received numerous letters in the mail from Truist. Someone tried depositing {$4900.00} into said account, which ended up being a fraudulent check. I received a letter dated XX/XX/2022 with a copy of the fraudulent check. I tried several times to get ahold of this Truist bank, whom I've never heard of before, to let them know I didnt open an account. I was finally able to get ahold of someone to inform them by the end of XXXX. I was informed by the person I talked to that they would send the claim to the fraud department. 2 to 3 weeks later I received a voice message from a man at Truist bank, in the fraud department, that he was working on it and that he would send me a letter in the mail about what they found. I have yet to receive said letter. And have gotten calls/voice messages about debit collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being Comenity Bank to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought Comenity Bank was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, Comenity Bank reported to the credit reporting agencies XXXX, XXXX and XXXX that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. Comenity has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that a consumer agency can not furnish an account with out my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Mortgage

My loan was not made in good faith. GRI changed my APR from 4.25 to 4.5. The Closing disclosure I signed was different that the one at closing.

GRI sent me TILA-RESPA LOAN CHANGE Disclosure in mail on XX/XX/18. However this LOAN CHANGE disclosure was never given to me and is missing DOCU SIGNATURE. The documents states APR changed to do score change.

There was no score change. Credit score used for lOAN is attached The only TILA-RESPA LOAN CHANGE disclosure with a DOCU SIGNATURE that was given to me is attached.
Product: Credit reporting or other personal consumer reports

Under 15 USC, I am notifying you of identity theft resulting from data breaches ( Equifax, XXXX ) that led to fraudulent accounts harming my credit. Despite disputes and a 2020 police report, my claims were denied. I request these fraudulent items be permanently removed, as they unjustly impact my creditworthiness.
Product: Debt collection

I submitted a dispute with XXXX on XX/XX/XXXX. Within the next couple of days the account then showed as being closed. The last time I checked on XX/XX/XXXX the Direct Management account was still showing as closed but now it is showing open without any explanation from them or XXXX. I was under the impression that one of both of these companies was supposed to give notice within 5 days if an a corrective action was reversed. I have not received anything regarding the reopening of this account for whatever reason.
Product: Debt collection

I am the victim of identity theft. I have attached a copy of of FTC I dentity Theft report.This debt is not mine. Accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify that the debt is the result of identity theft. Under section 623. Duties When ID Theft Occurs. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Remove this fraudulent account from all my credit reports immediately. I am a litigious consuer and will not hesitate to file a small claims lawsuit for violations of the FCRA and FDCPA.
Product: Checking or savings account

They closed my account over a week ago. No warning Im getting the run around. Im in need of my money, my bills are getting nsf fees. Nobody will help me
Product: Debt collection

Debt is over 7 years old and they took me to court regarding debt
Product: Credit reporting

I have sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.