23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i have been a good customer here. for some time. i received a letter from them after i asked for a XXXX time good will credit. in addition to XXXX XXXX of medical bills i had a bad summer and wanted to give them the chance to help me after years of loyalty. well i call as the letter i received from citi said to call to give more info about what i need. i held on the phone only to be told i would need to be in a program in order to get help. i do not need or want that. i want loyalty something other banks have given. The message from this bank resoundingly is they do not value me. realistically i could if i chose get my debt discharged and i have not done that nor plan to.It is frustrating to waste my time. i can not use my cards from citi til things change. i should not be asked to call for no reason only for run around. Additionally i am supposed to have til XXXX to pay with no interest. that was done for me at least even though they are too greedy to help a cusotmer like me which means i will be unable to use the card again. please confirm its XXXX. not XXXX. i cant waste my time calling going nowhere fast. so disappointing we are all people life is short and the greed is so thick i could not use the card again. dont tell me to call to waste my time big deal helping me with XXXX or XXXX dollars you will not feel but would make a difference to us. i could be on food stamps right now due to my son and bills. i can pay but needed help
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion XXXX and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX
Product: Debt collection

I HAVE CONTACTED CALIFORNIA XXXX XXXX TO DISPUTE THIS ACCOUNT. 

I HAVE REQUESTED PROOF/DOCUMENTS FROM XXXX THAT I OWE THIS DEBT AND THEY CAN NOT PROVIDE ME WITH ANY. 

I ALSO SENT MY CORRESPONDENCE BY CERTIFIED MAIL AND THEY DID NOT INVESTIGATE MY DISPUTE AND RESPOND WITHIN 30 DAYS I FOLLOWED UP WITH A PHONE CALL AND THEY STATED " THEY DID RECEIVE THE LETTER '' MY CREDIT REPORT WAS NOT UPDATED AS DISPUTED. 

I THEN APPLIED FOR A MORTGAGE AND RECEIVED A A HIGHER INTEREST RATE. 

GIVE THE AUTOMATED UNDERWRITING PROCESS, THE FACT THAT XXXX DID NOT UPDATE THE ACCOUNT AS " DISPUTED '' IMPLIES THAT " I AGREE '' THAT THIS ERRONEOUS MEDICAL COLLECTION BELONGS TO ME AND ALL THE INFORMATION IS CORRECT. WHICH IT IS NOT. 

THIS ACCOUNT MUST BE REMOVED FOR REPORTING FALSE, ERRONEOUS AND MISLEADING INFORMATION. 

ALSO, UNDER THE XXXX THIS COMPANY " XXXX '' IS REQUIRED TO REPORT UNDER STATE LAW, ACCURATE, OBJECTIVE INFORMATION WITH MAXIMUM POSSIBLE ACCURACY BEFORE IT EVER EVEN DISPUTED.
Product: Debt collection

Nationwide Recovery Systems started harassing me via phone XX/XX/XXXX for a medical debt from XXXX that was PAID IN FULL in XXXX. I have documentation from the bank supporting that I paid the original medical company, XXXX XXXX XXXX XXXX, in full in XX/XX/XXXX.
Product: Mortgage

I am a homeowner in New Jersey with a mortgage with Wells Fargo. In the state of NJ we have a tax credit program called the Homestead rebate act. It used to be, that this credit would be sent directly to the homeowner. Then it changed, the state of NJ would send one quarter taxes to the municipally where the homeowner lived as a credit towards the taxes they owed. ( Wells Fargo pays my taxes. ) So, If my quarterly taxes were {$1300.00}, and I received an applied credit from the state of NJ for {$520.00}, the difference of the taxes owed would be paid from Wells Fargo. That is all well and good, however, this amount of {$520.00} has been paid TWICE! Once by the state of NJ and once by me in my monthly mortgage amount. WHERE IS MY CREDIT? That credit from the state should have been deposited into my escrow account or sent to me, instead it was just deducted from the amount of quarterly taxes owed. Therefore, this amount has been paid twice. I paid the same amount of the mortgage every month with that money to pay quarterly, escrowed taxes. This has been going on ever since I have had the mortgage. Not only with me, but every one else that has a mortgage with Wells Fargo. I have tried numerous times to correct this with Wells Fargo, I have spent hours on the phone with them, trying to explain this credit, but they do n't seem to understand. I realize this is a unique credit program, but I have laid out the facts. I know people who have a mortgage with Wells Fargo and have the same problem with this tax credit. They are always saying they never get the credit. I Just figured they gave up trying. When I would call Wells Fargo they would tell me they had not yet done there escrow analyses, so I patiently waited. I would like my tax credit that is rightfully mine. I called the NJ DEPT OF TAXATION an they said they only send out the credits, they ca n't enforce anything, called also the Governor 's office, Dept of banking in NJ, and finally was led to your office. I have documentation that I sent several time to Wells Fargo, that is included.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned accounts : XXXXXXXX XXXX XXXXXXXX Balance : {$390000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would Like for all listed accounts to be blocked and deleted company information EXPERIAN. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$340.00}, XXXX XXXXXXXX {$100.00}, XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Owed : {$450.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On top of complaint : XXXX I have cashed out a ROTH IRA and am unable to cash the check at Bank of America because the check is over XXXX XXXX dollars. I'm also unable to open an account with another bank because the flag still exists.
Product: Credit reporting or other personal consumer reports

miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and transunion and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.they Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title nelnet is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company information
Product: Checking or savings account

I was overcharged erroneous fees for my bank account from XXXX.
Product: Debt collection

Ive filed a dispute with XXXX about the matter. XXXX amount shows up as {$840.00} I believe. The made a false report on my credit without reason
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Macy 's American Express credit card to pay for a cruise with XXXX XXXX XXXX. Due to the pandemic, I could could not cruise on XX/XX/XXXX as scheduled. I tested positive for the XXXX XXXX on XX/XX/XXXX which I contracted at my job working at XXXX. My section commanding officer died of XXXX XXXX as well as my coworker. Thankfully I lived. The cruise was cancelled regardless. 
I complained to Macy 's American Express that I did not want to pay the {$2400.00} charged to my card by XXXX XXXX XXXX. Macy 's American Express sided with XXXX XXXX XXXX and refused to credit back to my card the {$2400.00}. The reason I am told is that XXXX XXXX XXXX is willing to provide me with a credit one year from the cancelled cruise to use toward a future cruise. This is a ridiculous position for Macy 's American Express to take. I use my Macy 's American Express because of their advertised benefits of protecting their customers. I am being asked to pay for a future cruise now, during a pandemic, instead of receiving a full credit to my card. I do not even know if XXXX XXXX XXXX will be in business in the future. I do not know how, I am suppose to actually go on a cruise in XXXX based on the current outbreak of COVID cases in NY. Yet, I must pay Macy 's American Express their money. Macy 's American Express should be telling XXXX XXXX line that the consumer should not bear the cost of a future hypothetical cruise at the present time.
Product: Debt collection

This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.
Product: Debt collection

This company calls 3-4 times per day every single day. They never leave a voicemail. If I answer there is no one on the line. The picture attached shows the 5 calls between XXXX XXXX. and XXXX. of the same  day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to FTC, I have police reports and evidence. I spent over XXXX hours of my own time calling and writing to XXXX. Experian and XXXX XXXX no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and XXXX is partially responsible its incredibly ironic that they have control over my credit score!
Product: Checking or savings account

I had someone compromise my account and sent themselves {$1000.00} through XXXX. SoFi has returned the funds to my account, but they have " restricted '' my account- which means I have no access to make deposits or withdrawals or transfers, etc. I have been given no timeframe when this problem will be resolved. They give me no information at all.
Product: Credit reporting or other personal consumer reports

I never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX  acct # XXXX
Product: Student loan

I believe Mohela has mishandled my student loans and my IDR request. I submitted a request for loan consolidation on XX/XX/XXXX which included a request for the SAVE plan. The consolidation has gone through, however the IDR request was canceled. I submitted a new IDR application for the SAVE plan on XX/XX/XXXX and this one was also canceled. On my Federal Student Aid account it shows my SAVE plan was approved for {$760.00}. On my Mohela account I have two canceled applications with my current plan showing as level and my monthly payment is astronomical compared to my anticipated IDR payment plan. I have since called and messaged Mohela, but I have received no reason for denial of my application or any solutions for this issue.
Product: Debt collection

In XXXX I had noticed that my credit report had an account that was being reported by XX/XX/XXXX that stated that I had a balance of {$280.00} that I did not recall as being mine ( see evidence attached ). I was a co-signer. I disputed the account with XXXX, XXXX and Experian. I later received the information that the accounts had been deleated ( see evidence attached ). In XX/XX/XXXXI requested my credit report again and the account remains on my report but it is only being reported by Experian. This car per the owner of the account has informed that was paid off in XX/XX/XXXX. I contacted the bank and disputed the account again with Experian but the account now appears as if it is being paid but the balance of {$210.00} does not change. Please see evidence attached. I do not feel that my credit report should continue to show this account as delinquent since the car loan has been paid off since XX/XX/XXXXand I do not recall any other debt. Please advise if this account can be removed in order for me to continue to inprove my score and manage my finances.
Product: Money transfer, virtual currency, or money service

Paypal Issued me 2 temporary limitations on my account, after getting all my valid information they Permanently banned me from using their services and refused to let go of my funds. 

On XX/XX/XXXX, XXXX Paypal lssued me A " temporary Account limitation because I received money from a family. They asked me for my personal information, which I provided with all my valid info and so, they promised me to Restore my account so I can withdraw my Balance. Two days after, they sent me another " temporary account limitation '' that required me to send a Valid ID. I sent My ID from the XXXX XXXX and they accepted it. On XX/XX/XXXX XXXX, they sent me an Email that says my account is " Permanently Limited '' which I don't deserve since I did not violate anything and was simply receiving my money. On the same day at XXXX, they sent me another email saying my " Account is partially restored '' but when l checked it on my PayPal account, IT IS STILL PERMANENTLY LIMITED. I have a balance of XXXX. XXXX on my account which is needed to purchase an equipment for my XXXX XXXX, however, this PayPal is prohibiting me to withdraw or transfer my money. 

I messaged them countless times on XXXX, XXXX and XXXX but they only responded with unethical reasons and fake promises to restore my account. After banning me from using PayPal, they stopped responding to my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is having no problem at all updating my credit report. EQUIFAX IS THE ISSUE. They will not update my credit report and when I call about it they want me to mail them a copy of my social security, address, drivers license and birth certificate! I cant ever get ahold of someone who works with equifax that lives in America and quite frankly I find it extremely suspicious that a team in the XXXX is requesting this information. Im extremely upset that an American company can have such a negative impact on my credit score but not even allow me to speak to someone state side. I have had people try to scam me before so I am just extremely uncomfortable with this and do not understand why they have so much authority on my life. I have been trying to get a loan for a car but they are refusing to update my credit report.
Product: Debt collection

DEFENDANT : UNITED REVENUE XXXX # XXXX BONDED SUIT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VIA USPS CERTIFIED MAIL/ WITH RETURN REQUEST TRACKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED DEBT ACCT XXXX  : XXXX ALLEGED DEBT XXXX XXXX XXXX XXXX, XXXX DEAR DEFENDANT XXXX UNITED REVENUE ATTN : UNITED REVENUE I HAVE NO BUSINESS WITH YOUR COMPANY. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT XXXX OR ANY FUTURE ALLEGED DEBTS XXXX, XXXX. PLEASE STOP FRAUDULENTLY REPORTING TO MY CONSUMER REPORTS STOP HARRASSING MY PERSON, CALLING MY PERSON, AND VIOLATING MY PRIVATE RIGHTS. I HAVENT BEEN PROPERLY INFORMED TO DISPUTE THIS ALLEGED DEBT WHO ARE YOU I HAVE NO BUSINESS WITH YOUR ENTITY. ALSO IVE NOTICE YOURE NOT LICENSED TO COLLECT IN THE STATE OF TEXAS ON THIS ALLEGED DEBT OR ANY DEBTS I SEE YOUR ENTITY LOVE LAW SUITS DELETE IMMEDIATELY. OR I WILL MOVE TO EXTREME LITIGATION FOR TREBLE DAMAGES DONT EVER CONTACT ME AGAIN CEASE AND DESIST FROM REPORTING OR EVER RESPONDING DEALING WITH THIS ALLEGED DEBT OR DEBTS ABOUT MY PERSON I HAVE NO IDEA WHO YOU ARE OR KNOWLEDGE OF ALLEGED DEBT OR DEBTS, BUT THE CEASE AND DESIST DOSENT STOP YOU FROM DELETING IMMEDIATELY XXXX XXXX XXXX
Product: Vehicle loan or lease

Traded a vehicle in for the down payment after closing the deal for a used truck, I was asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final. I was told the terms of the loan has changed. The company 's name is XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. Amount to be financed {$12000.00} at an APR of 14.99 % for 48 monthly payments of {$340.00} trade in of {$2500.00}. I was called and was told that the new terms are going to me 36 months with a payment of over {$400.00}. During the test drive I asked if I could take it on the highway to see how it drives and I was denied that option, I wanted and independent company to do an inspection on the truck I was also denied that. After I took possession of the truck I checked the fluids and noticed that the truck did n't have oil. I took it to my local XXXX and they confirmed that it was empty plus a few other issues with the truck. The maintenance office of XXXX XXXX did call me to set up an appointment, I let him know about the oil issue and offered a free oil change to make it right.