23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried contacting them 3 times in one day to discuss a payment plan that is affordable to me and I was put through to 4 different people the first time then, as I was supposed to be transferred to someone else, I was transferred to take a survey then hung up on. The second time I was transferred to a second person who hung up on me. The third time I called I had the most help, not sure who I spoke with, but they were still not able to get me the answers I needed. The guy I spoke with just told me to call back in one week. He gave me a reason but it did n't make sense to me. I 'm just looking for someone to help me lower my payments to something I can afford.
Product: Credit reporting or other personal consumer reports

I have issues with keeping my credit score up because of an unknown Discover Bank Account in which Im somehow and authorized user, yet I have no access to the said account nor do I know who it belongs to. I reached out to people I couldve thought Itd be but none of them said it was there account. I need to be removed from this account I dont know who it belongs to or have any access to.
Product: Credit reporting or other personal consumer reports

Ive been through XXXX XXXX and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.
Product: Credit card

Dear Sir or Madam, here is the issue I just recently went by dealing with Citi Bank credit card : last week I received an email from XXXX XXXX about opening a new credit card with Citi Bank because I already have some miles with them and they now offered more benefits and I choose to go with it and used my home computer and started on XXXX XXXX website which later transfer my directly to the Citi Bank website so when I filled out all my data online Citi Bank confirmed right away on the same screen on their website that I was approved for {$4000.00} credit card and offered 0 % interest on the balance transfer for first 21 months if I choose it right now as well as to add an authorised user so I added my wife and requested {$3500.00} balance transfer Citi Bank charged me a bit over {$100.00} for it as they said only one time fee and said that it will be no interest for 21 months but when I received actual card today the Citi Bank wrote me totally different things saying that I have to pay them 22.24 % since the beginning and even no single word about my balance transfer and that offer I used ... 
I was trying to log in on my account with them to see what 's going on but Citi Bank showed there a message it is an error and they sorry about it ... 
I called Citi Bank via my cellphone and in an hour was speaking with their technical department and they said cause some issues on their end they there flashed everything I had on my account and asked me to start over to set everything again from nothing ... 
I did as they said because they was all the time with me on the phone directing what to do and I asked them about my offer for balance transfer with 0 % interest for first 21 months - they said yes it is available but I need to speak with customer service about it and they transfer me to them only thing that Citi Bank customer Service representative on the phone said yes they have this 0 % balance transfer offer for first 21 months but my data do n't have any records about it and they not turned it on in my case I asked to speak with Citi Bank supervisor / manager about this issue but she said if I do n't have paper / picture confirmation which I must take on my own while my initial application and approval was done on their website - she can not reapply the same offer they offered me since the beginning and they going to charge me for full price and all interest ... 

I think this is perfect set up for making people trapped to pay high interest by false advertising and computer tricks which the Citi Bank is doing on purpose to gain profit!!!! 

please help me out - I want my original offer / conditions to be applied as it was on promotional balance transfer with 0 % interest for first 21 months
Product: Credit card or prepaid card

Amex wrongfully closed my XXXX XXXX credit card. At the time of closure, I had OVER XXXX in rewards in my account. Amex, in essence, stole over XXXX from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this XXXX  I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
Product: Debt collection

Credit corp solution has contacted me numerous times, under several occasions Ive informed them that I do not wish to be recorded rather than ending the call they continued with their collection efforts even after they were told several times that I do not wish to be recorded. In California my residing state, it is against the Law to record collection calls when one of the parties does not consent to being recorded. Credit corp has violated this law. And is also in violation of the fair credit reporting act. Credit corp solutions has also failed to provide me the requesting documentation Ive requested from them including : Signed contractual agreements to verify the alleged debt. And signed agreement where I agreed to pay credit corp solutions any money. Also requesting agreement between credit corp solutions and the alleged original creditor that allows credit corp solution to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2024 filed a Notice of Cease and Desist letter to all 3 credit bureaus. It's what I've been sending and no response. No original contract with wet ink signature hasn't been delivered to my attention. Have no right to collect a debt without the original wet ink signature contract.
Product: Credit reporting or other personal consumer reports

I noticed a account that isnt addressed to me This account is not my account and needs to be removed asap
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust XXXX XXXX. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and LCI ( a TransUnion company ) are reporting a bankruptcy on my credit report, and they are reporting that they furnished this data from XXXX XXXX  XXXX XXXX TN which is false. I have attached a letter from the bankruptcy court of XXXX TN verifying and stating that they do not furnish information to any of the credit bureaus, or any credit monitoring services, nor do they verify or validate any information concerning bankruptcy. XXXX, TransUnion and LCI are falsely reporting this information on my credit report and has yet to remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

4 months of fake verification never provides proof of wet signature or of my actual involvement in the transactions ignores my identity theft reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Transunion by disputing incomplete/inaccurate information. Proof of this dispute can be found via USPS Certified Mail - Tracking # XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I tried to use my card issued by XXXX to Global Cash Card and was not able to. I called and was told that two online purchases had been made with a XXXX in XXXX, NC. ( I live 100 miles away ) in the amounts of XXXX and XXXX. I informed BOTH XXXX and GlobalCashCard about the removal of funds from my account. Global Cash Card sent me an affidavit ( via mail ) to fill out and return with the police report from XXXX Police Department. I received a response in the mail that there was no error and no credit would be issued with no documentation of how they came to reach that decision
Product: Credit card

HELLO MY NAME IS XXXX XXXX, I AM WRITING THIS COMPLAINT BECAUSE I MADE A CLAIM FOR THE LOSS OF MY CREDIT CARD AND I REPORTED MULTIPLE TRANSACTIONS MADE IN A FRAUDULENT WAY, I PREVIOUSLY MADE THIS COMPLAINT BECAUSE THE BANK GAVE ME THE TEMPORARY CREDITS 4 TIMES AND ALSO DEBITED ME 4 TIMES THE SAME TEMPORARY CREDITS, IN THE END I NEVER RECEIVED THOSE CREDITS PERMANENTLY, IN THE SAME WAY THEY GAVE THEM TO ME THE SAME DAY THEY TOOK THEM AWAY, I DO NOT KNOW IF IT WAS AN ERROR OF THE AGENT WHO IS IN CHARGE OF THE CASE BUT IT IS IMPORTANT THAT MY ACCOUNT RECEIVES ATTENTION IMMEDIATELY, I HAVE ALREADY CALLED THE BANK SEVERAL TIMES TO TALK ABOUT THIS ISSUE, AND THE BANK TELLS ME THAT IN 24 TO 48 DAYS I WILL SEE THE CREDITS IN MY ACCOUNT, BUT THAT IS A LIE, I NEVER RECEIVE THOSE CREDITS, I HAVE ALSO ASKED ALL THE AGENTS I HAVE SPOKEN TO TO LEAVE NOTES ON THE SUBJECT BEING DISCUSSED SINCE THERE ARE SEVERAL TIMES THAT I HAVE TRIED TO RESOLVE THIS PROBLEM.
Product: Checking or savings account

After 10 years of having a Chime account, I've had fraudulent charges amounting to more than XXXX dollars. They honored one claim for XXXX leaving XXXX dollars in theft from my Social Security check. 
They have denied the claim and have provided no customer service. 
They have hung up on me twice. I am handling this matter most professionally and it would seem Chime isn't. 
I have also reached out to XXXX and provided requested information. I've never heard back from them. All the charges were from XXXX I have never had an account with wish.com and have never purchased anything from them. 
I immediately within 1 day cancelled my debit card. 
This is really bad.
Product: Debt collection

XXXX XXXX XXXX  - {$1100.00} - XX/XX/ XXXX XXXX XXXX XXXX  - {$280.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} - XX/XX/2XXXX XXXX XXXX XXXXXXXX - {$170.00} - XX/XX/XXXX XXXX XXXX XXXX - {$27000.00} - XX/XX/ I disputed these accounts via XXXX XXXX. I also reported them via FTC Identity Theft Report website. I included the FTC Report as an attachment as well.
Product: Checking or savings account

Complaint to CFPB Regarding XXXX XXXX XXXX XXXXXXXX Account Fraud Claim Denial We are filing a complaint against XXXX XXXX XXXX regarding the wrongful denial of our fraud claim. On XX/XX/XXXX, our company vehicle was broken into at the home of XXXX XXXX, owner of XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A check from our business account was stolen during this incident. On XX/XX/XXXX, the perpetrator, XXXX XXXX XXXX, who has no affiliation with XXXX XXXX and no personal connection to any of us, forged a signature and fraudulently cashed a {$5000.00} check without authorization. 

After discovering the theft, we immediately contacted XXXX XXXX XXXX  on Monday, XX/XX/XXXX, to report the incident, yet the bank claims no record of this call. We also promptly filed a fraud claim and a police report on XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX, visited the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, where Branch Manager XXXX XXXX assisted with the initial fraud claim. After receiving a denial letter later that month, we appealed the decision. XXXX XXXX XXXX  informed us that the investigation would take XXXX months, and we followed up monthly for status updates. In XXXX and XX/XX/XXXX, we contacted them again, and in XX/XX/XXXX, we were once again informed that the claim was denied, despite clear evidence of fraud. 

On XX/XX/XXXX, we visited XXXX XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX XXXX, requesting a second review of the decision. She assured us that the case would be escalated for further investigation, but XXXX days later, she returned with the same denial. Seeking additional information, we visited XXXX XXXX  on XX/XX/XXXX, where we spoke with XXXX XXXX XXXX, Relationship Banker II, to determine if XXXX had any further details about the fraudulent deposit. XXXX XXXX  fraud department informed us that, because the check was deposited via mobile banking, they had limited information about the transaction.
Product: Mortgage

My complaint is about Mr. Cooper, AKA Nationstar Mortgage. In the spring of 2020, we applied for and received forbearance due to the pandemic. Our trouble started when we began trying to bring the loan back out of forbearance. First, we could not get a straight answer about what kind of repayment plan we were entitled to. After a couple of months we got a modification plan approved and submitted three test payments. At that time I submitted an additional payment online to cover an outstanding escrow amount, so that it would not be rolled in to the new principal amount of the loan. This payment vanished into some kind of " unapplied funds '' and was perhaps applied later, though we have never received a detailed accounting of this. 

Then in XXXX we were sent the papers to sign for the reconfigured loan. We signed and returned them immediately. We received some texts and robo-calls which my phone filtered as spam, with no messages left. There were no account messages nor emails during this time. Because I was receiving multiple calls from the same number I decided to call it back, and it turned out to be Mr. Cooper. They told me I had an amount due to " book '' the loan modification and the agent told me that it was to cover escrow payments. I asked him to tell me where my unapplied escrow payment had gone. He said he would escalate the matter and get back to me. He never called back. From this point in the story I am attaching my note log. Currently it is XX/XX/XXXX, we have sent our XX/XX/XXXX payment on XX/XX/XXXX, it was again listed as " unapplied funds, '' and we continue to get dunned about payment of the XXXX bill. Throughout the process I can never get a straight answer, and seldom get the same answer from two different representatives. And, this matter of the " unapplied '' funds that I have sent to them is inexcusable. 

Also, I never have spoken to the same customer service agent twice. Each person gave me different advice. XXXX in XXXX let me know that people in Customer Service are trying to be helpful but really shouldn't give advice outside their scope, as I had gotten steered wrong a couple of times. Furthermore, I was only able to call XXXX in Escalation back because I captured her direct number when she called me back. Theoretically there is a person in customer service called XXXX XXXX who is assigned to this account, and each time I have called I have first been routed to his voicemail, which always says he is not available. Any time of the day or night, not available, over an 8-month period. Frankly I suspect that he is a fictitious person, set up to make me feel some kind of " personal touch. '' I can't help but feel that if there really was a single point of contact, that person could have shepherded this situation to a satisfactory conclusion much sooner.
Product: Consumer Loan

I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX and discovered hard inquiries on my credit report that should not have been there. I only allowed for XXXX XXXX to run my credit through Capital One. XXXX XXXX and XXXX XXXX  had no permission to run my credit. I was just shopping around. I have submitted a complaint once before. I contacted both companies and they swear that did not have a department to handle those types of situations. XXXX XXXX at Capital One worked my FIRST complaint and respectfully declined to removed those unauthorized inquiries. I figured since XXXX is a privileged male living in THIS America, he wouldn't actually investigate the case. I was then advised to contact my State Attorney : consumer protection sanction to report both companies AND XXXX XXXX from Capital One. I completed that complaint today and I have faith that the State Attorney : consumer protection sanction will work their hardest to get fair treatment. PLEASE publicly post this so the people can be aware that XXXX XXXX and XXXX XXXX in XXXX, LA with run your credit without permission and that XXXX XXXX from Capital One will not do a through Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From SYNCB travel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this removed.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/XXXX I called TransUnion to dispute an information problem on my credit report. For the past two months, my TransUnion credit report has been missing from my credit history. This is rectified further on partner sites like XXXX XXXX and XXXX XXXX XXXX which allow you to view TransUnion reports. Even when my XXXX and XXXX reports were reporting correctly. After some back and forth, they saw that this was a matter they could transfer to their so-called " Special Handling '' department since they saw I have no credit history, but not a split credit file. Unlike previous incidents with TransUnion. Which were solved easily due to me knowing their " Split File error code '' to fix it. However, they were closed on the weekends and were told to call back the next business day and state the same problem. While also being told you can ask to be transferred to " special handling ''. 

On Thursday, XX/XX/XXXX I had some time to call TransUnion and restate my current situation and unfortunately, the representatives I talked to stated this wasn't a matter that could be disputed and sent to special handling. After threatening a CFPB complaint, I was transferred to a supervisor instead of their special handling department which would help dispute my credit report. Instead, the supervisor had persistently told me it wasn't TransUnion 's problem even though the Fair Credit Reporting Act gives me the right to dispute with the credit reporting agencies. I was told to call the banks instead and tell them to correct the dispute without needing them. After asking to transfer to " Special Handling '' for the third time to help dispute, they continually refused. Even though I knew this was Transunion 's problem, not the bank 's. After being hung up on by TransUnion it was the moment this complaint needed to be written up. 

I contacted XXXX, XXXX XXXX, and XXXX XXXX the same day regarding this matter while checking my XXXX and XXXX reports and the three banks have told me that they've reported everything correctly. Including TransUnion. Was told this was a Transunion problem again. Not the banks.
Product: Checking or savings account

At this point in time, I am just looking for where the funds are. In the beginning of XX/XX/year> my Sofi bank account was closed for unknown activity on my account for a withdraw in a different state. That was fine, but they had not sent a check for the funds and instead sent me to a investigative unit to look into my funds. After a week they denied my a check for no reason and said that the money had returned back to the originator which is the IRS. What I did in response was call the IRS for a look into the funds and the bank. The IRS has given me a referral notice and is looking to the matter as of XX/XX/XXXX.