23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

CFPB has a lawsuit against XXXX XXXX XXXX XXXX XXXX. I believe I am a victim of fraud from this company. The supposed student loan is being serviced by XXXX XXXX XXXX. To date I have paid $ XXXX on this loan where the original amount was {$13000.00}. I contest the loan and finally stopped making payments. 

I have asked numerous times who is the owner of this supposed debt and get the runaround from the company. They claimed it came from XXXX XXXX and when I called XXXX XXXX they claimed there was no account under my name. I believe this is a fraudulent loan. I reported that to the company and they did nothing. I stopped making payments and now they are reporting negative things to the credit bureau. I asked them to settle this debt for {$1000.00} and they have ignored my requests. I have sent them demand letters and they have ignored those requests. I am almost certain I am one of the countless victims of fraud that stemmed from CFPB putting a lawsuit against XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I'm lost my wallet, a few days later I see some transactions that I don't recognized, I call C

hase fraud department and make a claim about the transactions. The chase department r
eplacement my card and refund me with the money in XX/XX/XXXX while they investigate the transactions, 5 days later they removed the funds that they provided before and my account become negative, I don't know why because my card was lost and used by someone. I need help with this please. The transactions are the following : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I reported this transactions too, but I never received any money back or letter explain why this transactions they never investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom This May Concern, I received a call from Kohl 's on XXXX/XXXX/XXXX that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements delivered in the mail so I can keep records of all bills/transactions in a file. Furthermore, I also generally only use XXXX credit card so I apparently I inadvertently forgot that I had actually used the Kohl 's card for a purchase. I paid it immediately when I got off the phone after the call. I was only contacted on that one occasion about the late payment. Looking back, I believe that I made a purchase in late XXXX or XXXX. However, I do not know for sure. I have requested that information and I was told that due to my closing of the account they can not see that information but will have it sent to me. I later found out that my credit report had been damaged from this one and only incident with Kohl 's. I had a credit score of XXXX before this and due to XXXX misunderstanding my credit score is now only XXXX. I tried to rectify the situation with Kohl 's but they will not work with me. I have had a relationship with Kohl 's since XXXX. I am sure you can see this is not typical behavior of me and I am asking to have this incident removed from my credit report. I appreciate you looking into this situation for me. 
Thank you for your time!
Product: Credit card or prepaid card

I received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card. 

On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's. 

I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back. 

On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me. 

On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back. 

I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.
Product: Student loan

I have been paying my federal student loans to a company I thought was helping me with student loan forgiveness. I was told if I made these XXXX monthly payments until the amount was paid, then my debt would be forgiven. I thought this was the same company as XXXX XXXX XXXX company, but when I called to confirm they said they never received my payments. I have been paying to the equit. service company since XX/XX/15 so over 3 years now. I spoke with a rep from XXXX XXXX and that's when she mentioned I was being scammed and that I needed to file a complaint to the state attorney and the federal government. This whole time, I thought I was paying towards my student loans and I was not.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I applied for a loan from Santander Bank. The company 's automated system reviewed my credit and I was ultimately denied. I was Appalled, Confused and Determined to ascertain as o why my application had ben denied. 
After reading the denial letter, I began to understand that XXXX 's Bank Algorithm was programmed to include elements of Bias and Prejudice against XXXX, XXXX  and and just lower income people in general. I determined this by their own admission when they state. 
" Your application was processed by a SYSTEM that assigns a numerical value to the various items of information we consider in evaluating an application. 
these numerical values are based upon the results of analyses of REPAYMENT HISTORIES OF LARGE NUMBERS OF CUSTOMERS '' " The information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were : * YOUR CREDIT BUREAU REPORT INDICATES YOU DO NOT MEET OUR MIMINUM CRITERIA ' I was outdone. My credit score is/was at the time of their application submission " XXXX '' So I thought to myself if I dont meet the very minimum requirements, who does? Then it dawned on me that Santander just did not want my business or anyone like me to loan money too. 
Finally I found on their denial letter, them actually admitting to having a Biased Prejudiced programmed algorithm. XXXX of the reasons its states I was denied : " Too many XXXX XXXX XXXX accounts '' This states clearly that they are prejudiced against poor and people of color. simply because they ( Santander ) know this is usually the only place people of color are able to get any loan what so ever. So if as they said they use the history of those companies almost all XXXX people and people of color who ever had to use XXXX of these companies as a stepping stone to better credit. No one in that demographic would ever ever get a loan from Santander Bank.. 
Finally the other reasons they used are suspect at best. My usage is less than 20 %. Please review attachments from XXXX ( whom they used as their reporting agency ). 
This report clearly shows that this company reasoning was flawed. 
Sincerely,. 
l
Product: Debt collection

I am being charged for the same thing twice, once by the Doctor and once by the Hospital for an ER visit. 
XXXX XXXX XXXX XXXX XXXX - {$870.00} est. ( XXXX XXXX ) code XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} est. ( Hospital ) code XXXX There was only 1 visit.. what is the diff between XXXX XXXX and XXXX? 
Simple XXXX XXXX, XXXX, XXXX  {$440.00} est. XXXX XXXX XXXX XXXX  ) code XXXX Simple XXXX XXXX, XXXX, XXXX  {$1100.00} est. ( Hospital ) code XXXX And plus Office / Outpt visit, new, XXXX  XXXX {$480.00} est. ( REP CC ) I went to the ER for a XXXX XXXX XXXX XXXX XXXX, got stitches  and that was all. How can the Doctor and the Hospital charge me for the same thing? 
The insurance companies EOB show these charges and my responsibility was for the full amount on it all. This is not a fair billing system and I should be able to get the double charges removed. No one is willing to work with me about this matter.
Product: Credit card

I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015. 

Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.
Product: Credit reporting or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize and did not open ; the accounts need to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report unaddressed. This negligence violates my rights under the FCRA and continues to inflict financial harm. I urge the CFPB to ensure the removal of these accounts and uphold my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received a Room to Go store credit card under a zero interest promotion for 3 or 5 years. I would have to look at my paperwork. As I'm paying down my balance, Synchrony Bank is moving amounts to a separate " purchases " balance that has no date and is accruing 29.99 % interest. Every month this miscellaneous purchase amount increases so as I'm paying it down, more interest is added to the account. Again a card that us currently under a zero interest promotion. Synchrony balance chased my account to the point of closure but as I continue to pay this account I want to know what this miscellaneous purchases is and why it increases every month and why is there interest. I did not make any purchases outside of the promotion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I contacted XXXX, Transunion, and XXXX to reinvestigate this accounts : XXXXXXXX XXXX XXXX  Account number : XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from a company called XXXX XXXX XXXX XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by JH Portfolio Debt Equities saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX XXXX. I was told there was no record. I have since learned from XXXX XXXX that JH Portfolio Debt Equities called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from JH Portfolio Debt Equities and confirmed this account had been settled. Now I receive additional mail from JH Portfolio Debt Equities informing that I still owe {$240.00}. That most recent correspondence from JH Portfolio was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a zero amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact JH Portfolio Debt Equities as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, XXXX report still shows 30-60 days late and has not been updated properly
Product: Debt collection

One Main Financial is calling 3 to 4 times per day. Sometimes back to back calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair fr edit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I contacted US Bank to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.
Product: Prepaid card

I received a Vanilla gift card as a wedding gift but the last 4 digits are scratched off so I am unable to use it. I reached out to Vanilla customer service and informed them that it was a wedding gift and we received many of these cards and do not have a receipt. I also don't know who gave this specific card as we received many of them. They requested my driver 's license and a picture of the card, and receipt. I provided a picture of my license and the card, but I reiterated to them that I do not have the receipt as it was a wedding gift. The customer service rep confirmed there was {$250.00} on it. I don't even need a new card, I would be fine with knowing the last 4 digits so I can use it online, but they have continued to ask me for the receipt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I have revoked Power of Attorney from US BANK and also sent them a Durable Power of Attorney. If I am continued to be violated against in reference to denying me credit and not retracting my application then I will take further legal matters for discrimination, security fraud and trust fraud. The tracking number from mail I previously sent to your back office is XXXX with the USPS ( United States Postal Service ). It was sent certified mail, so I know it was received. I'll have receipt with that attached below.
Product: Checking or savings account

Bank of America is improperly using my SSN for a XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

An Irrevocable Trust opened a Checking, savings, and investment account on XX/XX/22. Bank of America was given a copy on the Irrevocable Trusts EIN, a copy of the original notarized documents creating the Irrevocable Trust, and a notarized Trustee Certification form for a Cash Management Account for Irrevocable Trust. 

On XX/XX/XXXX an email was sent to Bank of America alerting them to the change in status of the Irrevocable Trust by the IRS into A recognized XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

Bank of America was alerted many times about improperly using my SSN through a few in person meetings, Phone calls and an email on XX/XX/XXXX. 

There response has been the same, refusal to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$79.00} XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$89.00} XXXX Balance : {$50.00} XXXX XXXXXXXX Balance : {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX