23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my XXXX XXXX visited XXXX XXXX dentist at XXXX XXXXk XXXX XXXX. XXXX said that only XXXX with teeth removal must be done asap. She said there are no other oral treatments or medicine to help my 16 years 7 month old cat. The age of my cat is falsified in documents. ( it says 15 years 11 month ). We came for the XXXX on XX/XX/year> at XXXX. As was realized later they did not take her till XXXX or XXXX. The cat was without food and water from XX/XX/year> as it was directed. The cat became extremely weak in addition to all her health issues which she had before. XXXX they called me and said that they unable to do XXXX. I paid on XX/XX/year> {$3500.00}. They refunded to me only {$2500.00}. Within a week I did a request to refund to me the rest {$1000.00} for unprofessional evaluation of my cat health and no ability to do XXXX. No response. Then I submitted 2 times request to Synchrony Bank Care Credit Card tp dispute {$1000.00} charge and refund. I did not receive refund. I am not suppose to be charge by XXXX because they want thousands of money does not matter even if they could not perform what they said to do and promised to do. Also there was a lie that there is no treatment. There is XXXX {$14.00} and XXXX XXXX XXXX {$13.00} which helped my cat and she started eating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX   account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX  store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
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 please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Product: Student loan

Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that PRS sent to my attention was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts. Those records do not reflect a contract to pay signed by me the contract to pay were only signed by the identity thieves who stole my identity to open said accounts owned by Portfolio Recovery Associates using my social security number XXXX. 

A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. Portfolio Recovery Associates has no record of my request or or dispute being received in relation to their initial notification letters because I NEVER received initial notification letters because they were mailed to the identity thieves who fraudulently signed contracts to pay using my social security number XXXX. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making monthly inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. 

The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. 

Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. 
On XX/XX/22 I have again disputed the inquiries via CFPB and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. 
Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
Product: Checking or savings account

Well Fargo has charged me for funds checking account has been miss handle funds have been took outta my account customer since 2008
Product: Debt collection

My name is XXXX XXXX and I am a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. XXXX has been committed on my consumer report, which violates the FCRA and FDCPA. Capital One is using extortionate means to collect an alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 USC 1692 ( g ) Section 809 ( b ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. XXXX. This authenticated record must include all tax filings ( including all XXXX, XXXX, and XXXX ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Capital One. Please be advised that providing a memorandum or other statement from your agency, stating that Capital One the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim. Please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/year> XXXX CREDIT/PRIVATE MOR XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/year> XXXX CREDIT XX/XX/year>
Product: Debt collection

In XX/XX/XXXX I renewed my contract with XXXX XXXX to continue services. In XX/XX/XXXX I moved to a new address. My contract states that if I move and service is not available at my new address my contract is cancellable with no penalty. I notified XXXX XXXX, now XXXX XXXX XXXX, of my move. They sent a technician to my new home to instal the service. the technician informed me I had no " line of sight, '' so service couldn't be installed. He also told me he'd inform XXXX XXXX. Because of his statement I secured service through XXXX. I later received a bill for cancellation of service from XXXX XXXX XXXX for {$290.00}. I spent the next 4 months talking to various people at XXXX XXXX XXXX, including their " office of the president, '' discussing the amount was not owed. They admitted and agreed it was not, but rather than cancelling the debt they want me to pay the bill and they would then send me a gift card, an offer I declined. They finally let me know they'd write it off and I would not have any further issues with collections. In XX/XX/XXXX I received a bill from Diversified Consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( XXXX ) XXXX trying to collect the XXXX XXXX XXXX account. They were notified the debt is not owed. I contacted XXXX XXXX XXXX the same day and was informed the account was cleared and I did not owe the debt. Diversified Consultants has now placed collection account notifications in all of my credit bureaus for this. I have requested a debt verification letter from Diversified, however, i do not owe this debt and would appreciate any help you can offer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a hardship through the Navy Federals portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not 30 days late and thought everything was okXXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on XXXX and XXXX for XX/XX/XXXX and XXXX was showing a XXXX  day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact Navy Federal about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that Navy Federal has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.
Product: Money transfer, virtual currency, or money service

I attempted to fund a large sum of money into my Wise account ( wise.com/us ), so that I could pay suppliers. Wise directed me to my bank and gave me all the account information for the receiving account, a XXXX XXXX bank account in NY. I entered the amount I wanted to transfer and submitted the request. Wise added to the amount after I submitted it, so now my transfer amount didn't match Wise 's transfer amount. I waited days for the money to appear, but when it didn't, I called Wise to get to the bottom of this. Their customer service was unhelpful. They could not answer any questions about where my money went or what went wrong. They gave me electronic forms to fill out, but the forms didn't match the situation, so inevitably, the forms failed to bring me any closer. I've been out several thousands of dollars because of this, and will not be able to pay my suppliers on time. A small business can not operate this way. Stay away from Wise!
Product: Mortgage

on XXXX/XXXX/2016 i applied for a loan modification and the lender took 2 months to gave me an answer my loan modification was declined due to insufficient income, i requested an appeal because i had a contributor willing to help with the mortgage, a week ago i got a call from my single point of contact on friday and he told me that my loan modification was declined and did not gave me a reason also my single point of contact has been changed 3 times, now i want to appeal the decision and have not been able to contact him after several calls please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I never consented to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and thaws free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Consumer Loan

I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I purchased my car in XXXX of 2013 and I have felt in the dark since I made my first car payment. I sent it to the address on my contract, and was later told by Wells Fargo Dealership that it went to a non-existent address. That started my late payment fees. 
I wrote a letter of hardship last year to Wells Fargo telling them that I was taking care of my XXXX year old mother, and having a difficult time financially. I need the car when I transport my mother to medical appointments or if she has an emergency. I requested their help with this loan by giving me full disclosure regarding my financial history with them, my options for refinance and lowering my interest, and/or lowered payments due to hardship. 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Some of the mentioned accounts exhibit inaccuracies concerning reporting, erroneous amounts, and dates.
Product: Money transfer, virtual currency, or money service

On more than XXXX occasion last year, I experienced an issue with unauthorized transactions on my account. Specifically, there was XXXX instance where a payment of {$200.00} was sent via XXXX to someone I had no knowledge of. I was completely unaware of how this happened. When I noticed the transaction on my bank statement, I immediately contacted my bank to request a stop payment or refund, as I had not authorized this transfer. 

Despite explaining the situation and taking every step to secure my account, including changing all my XXXX information and card details, I was not awarded a refund. This has left me feeling deeply concerned and frustrated. Its unsettling not knowing how this occurred and even more disheartening that my concerns were not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has some bad information on my report and will not allow me to fix the information. They say there is an installment loan, a student loan and a mortgage, all of which I do not have!!!!!
Product: Mortgage

I started the Loan Mitigation process in XXXX, after a bout of XXXX that put me behind on all my bills. I was assigned a point of contact, who reached out to me in XXXX. I provided all documents through their online site and then again directly to the contact since it kept stating that it hadn't been received. All my documents were uploaded, and marked complete. Since that time, I've tried to contact my contact but emails come back as blocked ; calls are not being returned. I have also submitted emails to the Shellpoint mtg and NewRez mtg contact emails with botmails stating someone will be with me within 5-7 days. My point of contact is XXXX Then yesterday some person came to my house and left an envelope with my son stating that I needed to contact them since my payments were behind and that it had been reported to the credit bureau. 

I have done everything but am being blocked out and then told I need to take steps to address this.
Product: Debt collection

Case number : XXXX Related Case Number : XXXX Overton Lied to Federal Agents, considering the fact that Bureau of Consumer Financial Protection is a United States Government Agency, to lie to an employee either directly or via website, that is the same, in my opinion to lying directly to a federal agent. 

Title 18, United States Code, Section 1001 makes it a crime to : 1 ) knowingly and willfully ; 2 ) make any materially false, fictitious or fraudulent statement or representation ; 3 ) in any matter within the jurisdiction of the executive, legislative or judicial branch of the United States. Your lie does not even have to be made directly to an employee of the national government as long as it is " within the jurisdiction '' of the ever expanding federal bureaucracy. Though the falsehood must be " material '' this requirement is met if the statement has the " natural tendency to influence or [ is ] capable of influencing, the decision of the decisionmaking body to which it is addressed. '' United States XXXX ( XXXX ). ( In other words, it is not necessary to show that your particular lie ever really influenced anyone. ) Although you must know that your statement is false at the time you make it in order to be guilty of this crime, you do not have to know that lying to the government is a crime or even that the matter you are lying about is " within the jurisdiction '' of a government agency. United States XXXX ( XXXX ). For example, if you lie to your employer on your time and attendance records and, unbeknownst to you, he submits your records, along with those of other employees, to the federal government pursuant to some regulatory duty, you could be criminally liable. Source : XXXX The actual lie was stating that my complaint was " baseless ''. Therefore, I respectfully suggest that the compliance officer should be arrested, and criminally charged. ( XXXX XXXX XXXX ) Release the audio tapes to the consumerfinance.gov. It will show that i answered the phone, but I was not verified until long after the debt was disclosed, a violation, in my opinion to title 15 fair debt collection practices act. A possible civil tort.
Product: Credit reporting, credit repair services, or other personal consumer reports

An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.