23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.
Product: Checking or savings account

Complaint against Ally Bank XXXX around XX/XX/2023 I worked at setting up several accounts at Ally Bank via their website. ( There ended up being XXXX. ) They wanted additional documentation, which I sent in. The accounts were set up by Wednesday, XX/XX/XXXX. I transferred a total of {$15.00}, XXXX into these accounts from my local checking account. 

When I got up Thursday morning, XX/XX/XXXX, I found in my in-box 5 e-mails from Ally saying the accounts were closed. I tried calling the XXXX phone number to see what this was aboutI believed Id been hacked. Unhelpful person said Id have to call their Account Division after XXXX XXXX. I did so, even though it meant being late for work. 

Person there said Ally had decided to close the accounts. I said Wheres my money? as it had not been transferred back to my local checking account. The person was again most unhelpful, and when I asked about speaking to her supervisor, she basically told me I could leave a voice-mail, but dont hold my breath waiting for someone to get back to me. Ive called them a total of 3 times, plus leaving the voice-mail. They have been nasty and not helpful. 

As of this writing on XX/XX/XXXX, Ally still has not returned my money to me. I believe at this point that they have stolen my money. They need to send it back to my local account immediately. I also believe for the major inconvenience and aggravation they have caused me, they should be heavily fined. This is not how a customer should be treated. I want my money back. I want nothing further to do with them. I just want my money back.
Product: Credit card

I purchased a smart watch as part of a promotional bundle with a new phone on my American Express XXXX personal credit card. The card comes with Extended Warranty insurance. I recently filed a claim for a problem with the smart watch that the manufacturer has certified would have been covered under warranty had it not expired a few months ago. American Express has denied the claim because they assert that, since the bundle was discounted such that the purchase price of the bundle was equal to the original MSRP of the phone, therefore the watch itself must be free and was not charged to the card. This is despite the receipt showing that the bundle discount was applied to the entire cart with both the phone and the watch ( and the original retailer explicitly describing the deal as a " bundle '' in their own terms and conditions ), and the price of the bundle being charged to the card.
Product: Mortgage

I refinanced with this same company about one year ago. Then this past XXXX I wanted to do another refinance which they solicited to me to consolidate my current debt. They have secretly investigated my personal life and work, and said what they uncovered was conflicting information, which after explaining it to them they learned wasn't true. It's going on the 5th month and every couple of weeks they are making requests for other documents and statements they say they need, some of which were provided at the beginning of the process. The loan cost have continued to go up, and the terms changed. I'm exasperated.
Product: Credit reporting or other personal consumer reports

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at XXXXXXXX XXXX on XX/XX/2023, I was informed that XXXXXXXX XXXX  only reports 60-day late payments and not 30-day late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXXXXXX 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 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 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 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 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 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 reporting or other personal consumer reports

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  In detail, you recorded that I had non-sufficient funds with XXXXXXXX XXXX on or around XX/XX/2021. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Product: Prepaid card

I CANT FIND MY BALANCE OF {$530.00} USD ON MY PAYPAL ACCOUNT
Product: Mortgage

For the past six months I have been trying to work with Wells Fargo. I have done everything in my power to give the documentation that I have they still refuse to do anything and are threatening to foreclose on a house on a XXXX  American they have a XXXX working on this. You can not tell me that this is not discrimination. They are not willing to work with me After all this they think that I have all this money that I can come up with and pay this out right they are threatening to force a family with children out into the cold. They dont care at all. I wan na be able to pay more on my mortgage to help with the past due amount they dont do that. They dont care. They dont pick up the phone and call they claim that its against Massachusetts ruling to do that when in fact, it is not and I have proof of that this XXXX XXXX XXXX who continues to send me his findings is completely wrong and needs to be fired. If they threatened to throw me out theyre threatening XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then they say were here to help. Theyre not helping when theyre saying that theres nothing that they can do to help me on this loan. 

Im not able to take out a separate loan to pay off what is past due, but I am willing to work with Wells Fargo if theyre willing to work with me to save my house but theyre not instead theyre out to murder a family. I dont have {$40000.00} to pay a stupid HUD loan that my parents had thats not my responsibility. I should only be responsible for the past due amount of {$17000.00} and if they could just break that up into whats left of years of paying off {$300000.00} house and tack it onto the monthly mortgage that I have now Ill pay that sorry I was in a XXXX rut because of the overpayment from Social Security me and millions of others, but now theyre gon na crucify me because of that and put me out in the cold with my family because Im a XXXX  XXXX American if I was an illegal person then put them right here theyd have no Problem do not come back and write to me. That discrimination is not here because it is I see it. Prove to me that discrimination is not involved and keep me in my house and work with me. Pick up the XXXX phone. Enjoy your XXXX job and XXXX XXXX is a male thats against women Wells Fargo is not out to help people XXXX XXXX XXXX XXXX XXXX ill keep sending complaints and so will my lawyer until you decide to be for the American people They also claim that they cant put my name on the mortgage, but apparently they dont understand that theres a federal regulation f that requires that I am put on the mortgage no matter what the status is federal regulation 12 CFR1026 known as regulation Z states by law you need to put my name on the account no matter what the credit is or what the status of the head loans are
Product: Debt collection

i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.
Product: Money transfer, virtual currency, or money service

I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.
Product: Consumer Loan

I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, TransUnion consistently responds within 24 hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX, XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, has 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit card or prepaid card

On XX/XX/2022 I made an online purchase from the merchant XXXX XXXX and the website suggested I use XXXX as the method of payment. I had my XXXX account tied to my Capital One XXXX credit card. Nowhere on the XXXX website or XXXX 's receipt did it say the transaction would be considered a cash advance by the credit card company Capital One and therefore charged an immediate fee of {$56.00} and a day later an interest fee on the cash advance of {$7.00}. I called Capital One and they said that XXXX had coded it that way and that I needed to contact XXXX so I did. XXXX said they did not code anything as a cash advance and that the credit card should be charged as a normal payment. So I called back Capital One and they said the Merchant coded it as a cash advance so I called the merchant and they said they had no control over this. So after many more calls spanned over a few days Capital One strait out refused to take ownership of the charge. They said they couldn't specify why it was that way but there was no recourse for me except to contest the entire purchase from the merchant but that wasn't the problem. About 5 days after I had called my bank they reversed the {$56.00} fee without telling me but still kept the interest on there which they knew about from several previous calls I made to them on the same issue. I decided my only recourse was to pay everything off including the interest and close all my accounts with Capital One. Well I just looked to double check that all my accounts had been closed and they charged me another {$16.00} in interest on XX/XX/2022, I had paid off the entire account on XX/XX/XXXX. I am not paying this as I already told them this is a scam of sorts but they refuse to listen. I paid off everything on my account and somehow I am still being charged interest? Please help they will not listen or do anything for me they won't even close the account. This should be against the law. Thank you.
Product: Debt collection

I have made the payment needed to close the account with XXXX actt # XXXX but it is still showing as open. 


My credit report showing paid and account closed
Product: Debt collection

I would like to file a complaint about PARAGON Revenue Group who sent my medical bills that were under dispute to Credit Bureau. I am a XXXX patient and had large amounts of bills for my medical treatment during year XXXX. Since I was eligible for XXXX XXXX, I was in contact with XXXX XXXX in sending documents to prove my eligibility and to receive the proper discount and pay the rest of bills. After I received my medical bills from PARAGON, I notified PARAGON in writing in less than 30 days from the date of bills. I explained it to PARAGON that the amounts of bills are not correct, I am eligible to receive hardship discount for my medical bills and am waiting for XXXX XXXX response. In spite of that PARAGON reported me to Credit Bureau and damaged my credit. 
PARAGON has damaged my credit by sending the bills that were under review to XXXX XXXX. Assistant Vice President of XXXX XXXX XXXX in XXXX XXXX contacted PARAGON on XX/XX/XXXX, and asked PARAGON to reverse the derogatory reporting against me but PARAGON has not done any action so far. I also contacted PARAGON in writing on XX/XX/XXXX and asked them to remove my name from Credit Bureau. ( Please see attached ) As of now PARAGON has not done any action.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

0n Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted 2 accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX i is not something i made it was falsely added and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX - There are multiple errors in the listing that are damaging to me including high credit, date last of activity, the date of last payment and payment history. Please update for lawful accuracy or delete immediately. 

XXXX XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX  balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXXXXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

XXXX  XXXX - I informed you before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. You didnt investigate! And where is my proof of payment history? You have to go back and take this off!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible 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 Thank you