23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are 3 Accounts from the company Affirm that were turned over to collections. Two of the accounts were open the same day XX/XX/2021. The other was open XX/XX/2021. I recently applied a few times for a loan through my bank and got rejected for having 1 or more accounts in collections. I knew nothing about the accounts they were referring to, so a coworker told me to make an XXXX  account because i should be able to see it. That was when i saw the 3 accounts that are in collections. I called and reported it as Fraud to XXXX. I then called Affirm and did the same and reported it as fraudelent activity. I was told by affirm that the balances were used for a compaby called XXXX which I have never heard it was travel related with XXXX XXXX. I am a XXXX  of the united states XXXX XXXX. I never fly anywhere since i only lived 4 hours away from my hometown to see my family so i always drove. I havent had a vacation in over 2 years so no trips anywhere there either. The only reason i would fly would be be for a XXXX  or XXXX which would be goverment funded with our travel cards. The reason I am reaching out is because I believe this would help me with my fraudelent report and others. I have always made my payments on time if anyone were to look at my credit history and have never had an issue with anything going to collections. Im hoping this will help ke in my process so i can get my credit back on track since this is hanging over me and isnt something i would have let get this far.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to remove certain items from my credit report with XXXX Credit Bureaus. These items, which I believe are inaccurate and unjustly affecting my financial standing, have been the subject of repeated disputes over an extended period. 

I have attached a copy of my recent correspondence and documentation related to these disputes for your reference. 

Despite multiple attempts and providing the necessary supporting evidence, these items persist on my [ credit report, which has adversely impacted my credit score. 

I kindly request a thorough and immediate investigation into this matter to rectify the inaccuracies on my credit report. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the removal or correction of these items within the legally required timeframe. 

I believe in fair and accurate reporting, and I trust that Credit Bureaus shares this commitment to ethical and responsible credit reporting practices. 

I would appreciate a prompt response to this complaint. Please consider this letter as my official request for resolution. I am asking for your immedaite assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$330.00} XXXX  XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I financed a massage therapy program with XXXX XXXX through Climb. The program documents I received prior to enrollment said the program qualified for state licensure. Upon graduation, I learned this was not true. I have spent the last few months fighting for a refund. Today I came across an article from CFPB XXXX XXXX XXXX sent to the XXXX regarding Climb and their shady business practices. This article states that Climb and their partner schools are deceptive and have a habit of the same situation I find myself involved. I have requested a refund from XXXX and Climb but I am still waiting for my funds to be given back. Climb informed me today that they have an agreement with XXXX where they pay monthly towards the outstanding accounts like mine and will disperse them in order of oldest to newest. I was previously told it would be 60-90 days from refund initiation. 
Finding the article today gave me a bit more hope that someone can help me. 
Thank you.
Product: Money transfer, virtual currency, or money service

Regarding Chase/AARP credit card # XXXX XXXX XXXX XXXX. Primary cardholder is XXXX XXXX, XXXX with XXXX XXXX as an authorized signer. On XX/XX/XXXX we received a revised statement from Chase Bank regarding our credit card account which has been closed since XX/XX/XXXX due to fraudulent activity. The revised statement stated a new balance of {$0.00} with a minimum payment of {$0.00} with a credit of {$350.00} which because of the account being closed we could request a refund check be mailed to us. We've called once a week since then and was told the check was mailed out twice and on XX/XX/XXXX we were informed the check was cashed on XX/XX/XXXX. The only problem being we never received the check, never saw the check and certainly never cashed the check. Now we have to wait for a letter and a copy of the cancelled check and then we have to file a police report for fraud, I then have to call Chase with the police report number and maybe they will issue another refund check to us. We have had issues with Chase Bank regarding fraudulent activity for 1 year which we have been trying to resolve. I have spoken with numerous people on numerous dates about this issue, We had 7 new credit cards from Chase because every time fraudulent activity was detected, that account was closed and a new card was issued. Our last card was closed on XX/XX/XXXX and never reopened. We have had so many excuses from them I lost count. I want the {$350.00} we were promised by them and I feel is the least we are owed. The things are still not settled. They keep on saying they are mailing us stuff which we don't get, the things we are not getting are the things that are supposed to help us get our money. If I could afford a lawyer I would of gotten one months ago.
Product: Debt collection

I have disputed a XXXX  ER Bill after a minor car accident XX/XX/XXXX. XXXX claimed XXXX denied the claim and XXXX refused to resubmit to include additional detail. 

I paid the debt in full, {$480.00}, to Renton Collections by check XX/XX/XXXX. The collector assured me that a receipt would be mailed upon receipt of the payment. The check has been processed. 

I need that receipt in order to file an appeal with XXXX XXXX Medicare. As of today XX/XX/XXXX, I have received nothing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Account number : XXXX Balance Owed : {$610.00} XXXX XXXX Account number : XXXX Balance Owed : {$830.00}
Product: Credit card or prepaid card

There are some inquires for new credit cards and my cel phone company told me I am at risk since there was a data leak
Product: Debt collection

I had a gym membership with XXXX. They claim that after the second month of me having the membership that they couldnt collect any money from me. I had used the gym for a couple of months prior to the pandemic so if it were true that that were unable to collect any money from me they wouldnt have let me in. I have printed my financial documents to reflect the payments they pulled from my account. During the pandemic after a year of having my membership i called to cancel my membership with an agent of theirs over the phone. The withdrawal from my account stopped. Now that things are back open the gym is saying that i owe them money, but its impossible if i closed the account and dont utilize the gym. They never contacted me regarding payment or sent any letters telling me that i owe. I went to the gym to ask about it and they said that they dont have any records in their system and that i have to talk to a manager. I spoke with a manager and she told me if i renewed my membership they would make it go away. I dont see anything about this collection on my credit anywhere and i believe it is false.
Product: Debt collection

On XX/XX/XXXX, a woman from phone number XXXX called me, my husband, and my husband 's brother. Voicemails were left with my husband and I, but only our address was provided as " verified ''. No names were mentioned, including who she was or where she was calling from. She ended the voicemail with " you've been notified ''. My brother in law answered the call eh received and was informed the call was regarding an unpaid debt from XXXX in my husband 's name through Wells Fargo. They advised it was paid on for five or six years then stopped. We were all given another number to call back - XXXX. My husband called it and spoke with someone who advised they will settle with him for a fraction of the cost, and that if he does not pay, they will come after me for the money. He advised he did have a loan through Wells Fargo, but it had already been satisfied. I called the XXXX number today to get a " not in service '' recording. I called the XXXX number and spoke with XXXX, who was very short and careful about what he shared with me. He said my husband has already been in contact with the, that he is scheduled to be served with a court summons, and that he needs to reach out to his case administrator. The only identifying info any of us have for the company ( other than the phone numbers ) is " XXXXXXXX XXXX XXXX '' ( unsure of spelling ). No XXXX results appear for that phone number. Honestly, this seems to be a fraudulent company or scheme. I was not with my husband in XXXX and my brother in law was not connected whatsoever to the loan that was taken out around that time frame. The loan was in my husband 's uncle 's name and my husband was unknowingly placed on the loan.
Product: Checking or savings account

In XX/XX/2018, I tried to access my account and I realized it was frozen.I recieved a letter 2weeks later stating my account will be closed and my funds sent in form of a check to me.I waited until XX/XX/2018 and called customer care who could not give me an answer, finally I was able to get through to the legal department through customer care agent because the legal department does not speak with customers directly.I was told my account was flagged for possible fraud and assigned to a detective XXXX and I was given the phone number ( ( XXXX ) XXXX ) Its been XXXX now called the number and I was told I do not have any active case and besides I was not within their jurisdiction.I have called Bank of America over 50times in the last XXXX years nobody can give me any answers about my account.My account no XXXX my address is XXXX XXXX XXXX XXXX Florida XXXX.I still recieve statements every month.I want my money and accrued interest for all the pain and suffering I have endured for no crime at all.My complaint and issue is with Bank of America .
Product: Debt collection

I was required to take tXXXX XXXX XXXX XXXX XXXXr and was not aware XXXX XXXX had issued a bill for the request. Neither my doctor 's office nor XXXX XXXX mailed me a bill. Without trying to reach out to collect the debt XXXX XXXX sent me to collection. Credit Collection Services was the party that acquired my bill and is attempting to collect though my benefits were never applied.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i mailed experian a late pyment dispute letter. I was very clear to let them know they where in volation of the XXXX. according to 15usc16819 ( 2 ) ( a ) ( 1 ) .This speciifies that tranaction are excluded from the credit report. Experian is still continuing to report my tracations to my credit report. Today i am submitting another dispute letter since experian isuse a stall tactic. my new letter use 15usc 1666b which deals directly with timing of payments 15usc1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

in order for any creditor to treat payment as late they must prove it ; i want prove i want a revegation for inaccurcy and late payments deleted with in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX point credit union was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law
Product: Vehicle loan or lease

This was back in XXXX  payments weren't applied correctly constantly getting charged late fees wells Fargo had XXXX XXXX  on my vehicle when I had full coverage stated my XXXX  wasn't enough tried to repose my vehicle and I had it locked up bc they were at fault for my XXXX not I ... .I called numerous times about this and got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.
Product: Mortgage

On XXXX, Ally mailed a letter to my home indicating that my mortgage assistance application was incomplete. Ally requested additional documents no later than XXXX. On XXXX XXXX, I faxed Ally the requested documents : 30 days earnings, hardship letter, homeowners insurance declaration page and real estate tax bill. On XXXX, Ally mailed a letter to my home informing me that the deadline to submit the missing documents has passed and unable to review my application for mortgage assistance. 
On XXXX, I called Ally and spoke with one of their Reps, XXXX XXXX, who confirmed that Ally received a fax with all the requested documents on XXXX and XXXX XXXX XXXX stated that she will advise the Loss Mitigation Department to review my completed application for mortgage assistance. 
On XXXX, I contacted Ally and spoke with a Rep inquiring about the status of my application for mortgage assistance. I was informed by the Rep that I would need to reapply. I immediately requested to speak with a supervisor. The Rep verbalized that a supervisor was not available to speak with me regarding my concerns and to expect a call from a supervisor sometime during the day. I waited throughout the day on XXXX and I never received a call from Ally. 

Please review the attached letters, faxed documents on XXXX including a print of the faxed log reflecting that all documents were received by Ally on XXXX. 

Ally is deceiving financially distressed homeowners, in particular, XXXX by falsely promising to preclude foreclosure and providing them with mortgage assistance. I am a victim of their deceit. They are in violation of the Mortgage Assistance Relief Services Rule. I will be filing additional complaints with other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have not been able to access my credit report with Transunion. Whether on XXXX or their direct website. I have and know my login and personal information that is never rejected for being incorrect. 
In counting, I have spoken with Transunion 8 times spanning from XX/XX/2020 to the present. I have spoken to phone agents, supervisors up to the " Special Handling '' department with no resolution or follow-up from them. They tell me that they don't know why I can not access it. 
Each time, I am forced to call back because my issue is left forgotten and when I do call back they act as if this is my first time calling. 
I have never threatened legal action, but now my patience is gone. It is my right per the FCRA to sue if I can not get access. If this issue is not resolved in the next 30 days by Transunion, I will be seeking legal council. All I want is the ability to view my Transunion credit report.
Product: Checking or savings account

I had a check returned due to a failure in the mobile deposit system app. I was told a new check was mailed out on XXXX XXXX XXXX XXXX I have not received that check. The issuer of the original check states the check has been cashed and will not issue a new check to me. Despite having spoken to multiple people in USAA customer service and having my complaint elevated three separate times I still do not have my check nor do I have the ability to get a new check from the issuer of the original check because those funds have already been withdrawn yet USAA has taken those funds from me and I will not make them available to me.
Product: Checking or savings account

Wells fargo bank close my account did not want sent money is back to me. wait for 6 months after letter wells fargo bank send in XX/XX/2022 now XX/XX/2022 well fargo bank still hold my money did not want sent to me amount {$2100.00}.
Product: Credit card or prepaid card

Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at. 

Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee. 

Expectation : Marcus will permanently fix the address issue and send me timely reliable statements. 

Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill. 
I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her. 
On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly. 
I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.