23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX XXXX XXXX, I was at my place of work and I received several text messages that charges were being made on my card along with ATM decline fees. I immediately called XXXX and explained that these charges were not authorized or being made by myself. I keep a fair amount of money in the account so there should have been no Decline fees. 
I asked the employee at XXXX  " XXXX '' to put a freeze on my card immediately and she ordered me a new card for a fee. a few minutes later I received more text messages with charges and ATM decline fees from a different bank location, I again called XXXX and asked if my card had been frozen because of fraudulent charges, I was told no and I went into their website and my account a put a freeze on it manually. This after a total of {$750.00} was taken from my account plus several ATM and decline fees. 
I immediately filed a " Declaration Of Fraud '' with XXXX  and XXXX days later received an email stating ( Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account ) I then was very upset and requested to have another Declaration Of Fraud opened and I sent along supporting documentation and was once again sent the exact same response as before.

My co-worker who was in the office with me when this first occurred then wrote a letter on my behalf explaining again what happened along with supporting documentation and again was sent an email with the following message highlighted " Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. ''
Product: Payday loan, title loan, or personal loan

I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX   FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.
Product: Student loan

I have tried to work with Sallie Mae to lower my monthly payment to at least {$150.00}, but they have stated that no options are available despite my financial hardship. My father is on XXXX, unable to walk, and hasnt worked for years, while my mother is also ill and unable to assist due to her medical responsibilities. Additionally, Sallie Mae has required multiple financial assessments involving my parents, but there is a language barrier as they speak XXXX and do not speak XXXX well. The representatives have been extremely rude, leaving threatening messages for my parents and me. Currently, my monthly payment to Sallie Mae is over {$1000.00}, which I can not afford, and the only option they have provided lowers it to $ XXXXstill unaffordable for me. I have been paying what I can towards the loan, but my parents are unable to help me due to their own financial and health struggles. Since graduating from XXXX University in XXXX, I have struggled to find stable employment, making it even harder to manage my loan payments. When I attended XXXX University from XXXX to XXXX, I couldnt afford the tuition and had to take out private loans. The financial aid office was dismissive of my situation and provided no support, which led to immense stress and mental health struggles. I feel that as a first-generation college student with immigrant parents, XXXX University took advantage of our financial hardship. I am filing this complaint to address these ongoing issues.
Product: Debt collection

1. ) My account indicates that my payments will increase, even though I have made payments on time for the past 7 years. My payment amounts increased from {$220.00} to {$680.00} for no reason. They have no right or reason to keep raising payments.
2. ) My account indicates that I have been only paying on interest and not on the principal of my loans. Over the course of 7 years, on some accounts, it appears that I have not made any progress in paying off accounts at all.
3. ) My account indicates that in 2012 a number of " disbursements '' were made on my behalf. I was not a student and did not receive any of these disbursements, one amounted to {$27000.00}. This significantly increased my balance.
4. ) The Navient loan company was recently sued for harming student borrowers though the repayment process. They are cause me a lot of harm.
Product: Checking or savings account

Complaint to Marcus by Goldman Sachs : I opened Marcus online saving account on XX/XX/XXXX, deposited {$25000.00} in the account on the same day. On XX/XX/XXXX, I decided to transfer the money out to my external bank which has been confirmed and verified by Marcus. The request was successfully submitted, and then the next day on XX/XX/XXXX, I received a phone call from a Marcus specialist asking to confirm if I was one that initiate this request. I confirmed with him that I was the one that made this action, and the external bank is my personal account as well.

My money was reverted back to Marcus the next day with no email or text notice. On XX/XX/XXXX, I tried logged into Marcus and found out my account was locked. I called Marcus the next two days, on XXXX and XXXX, the specialists were not able to told me why my account was locked after providing all my personal information, and they were not able to send their PIN or code to my cell phone saying they do not have my number on file, even though I registered my one and only phone number with them.

Then I was told an AOI form ( Affidavit of Adentity ) will be mailed to me to complete the verification process. I did as what they requested : completed the form with filling in sensitive information like SSN #, driver license #, DOB, Address, etc., got the form notarized, and mailed it back on XX/XX/XXXX. 

I waited few days and called Marcus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, I was given the same runaround -- I need to give them 3-5 business days to review the form. Up to this date, my account has been locked for over a month, with no explaination on why the account was locked, no access the monthly statement, and have no clue if my money is still under my possesion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to include my opt- in. opt- in to Transunion XXXX XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting adverse information on my consumer credit report.in the form of two bankruptcies During the month of XX/XX/XXXX I disputed the accuracy of the information contained in my credit report with Experian, furthermore I provided a letter from the clerk of court stating that the court does not report to credit reporting agencies. 
In spite of the letter from the court. Experian claimed to verify the information. 
During the month of XX/XX/XXXX, I requested a reinvestigation of the accuracy of information, and included the same letter from the clerk of court. 
I also requested from Experian their source of information. Experian never responded to my request and continues to violate the privacy act of 1974 5 U.S.C. 552a ( b ) by disclosing records pertaining to the consumer to any person, or to another agency, without the written request or prior written consent of the consumer In addition Experian continues to violate 15 U.S. Code 1681 ( b ), by furnishing a consumer report without my written instructions Experian 's reporting is inconsistent with the other reporting agencies and inaccurate, which is a violation of 15 U.S. Code 1681 ( a ),
Product: Credit reporting or other personal consumer reports

DEPT ED XXXX XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Product: Checking or savings account

On XXXX XXXX, 2017 I stopped by the XXXX XXXX XXXX branch located at the XXXX XXXX XXXX off XXXX XXXX of the State of Maryland to open a New Account. Unfortunately, I could not open the account because of some issues they claimed that I have with the Bank of America five years ago. I will like your intervention to know what the issue with the BOA after almost five years preventing me of opening a New Bank Account with XXXX XXXX and any other banks. Thank you for your anticipated assistance. Yours truly, XXXX XXXX XXXX
Product: Checking or savings account

I have been a member with Navy for over 10 years. I enrolled in the OOPS program with them. Optional Overdraft Protection Service. I had two payments to that i had scheduled through Navy and they did not cover it. The kicked me out of the program without any notice. Charge me two {$29.00} fees and i also had to pay a return check fee to both merchants. Again I have been in the program for years and understood they will cover my transaction but i must pay them back within 30 days. In this case, I was paying them back in a week 's time. I believe this was retaliation since i had recent filed XXXX. This is an unfair practice because I was not notified until after the fact. If I was aware before time, the payments would not had been submitted through them. Please review attached documents.
Product: Debt collection

An account is listed on my Equifax Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Equifax has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  XXXX   XXXX   XXXX  that this case was Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
Product: Credit card

My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking numbers : XXXX, XXXX, XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting

asked credit bureaus to remove inquiries on my report that i did not approve
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXnsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Debt collection

XXXX XXXX, works for evergreen profession recoveries. she is extremely rude, diarespectful, and deceitful. on numerous occasions I have attempted to resolve my payments by establishing a monthly payment that is possible for me, but if she does not like it, she makes threats about taking me to court and garnishing wages from my job. what I mean, is a different employee had offered me a certain amount to be paid per month and that was the best he could do, and the next hour she said changed it to a different amount. she went from saying XXXX a month to XXXX a month after 2 payments of XXXX. After telling her that was not feasible, she said " you know what, just throw everything to the trash. I 'm not doing anything for you. I will just garnish ur checks ''. bottom line is she is rude and disrespectful. and constantly makes threats and has no intentions of working with me when I am making an effort to pay them.
Product: Credit card or prepaid card

Discover Card Fraud Charge on account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover made a - {$2500.00} Credit on account XX/XX/XXXX Dicsover made a reversal of credit + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} adjustment on account XX/XX/XXXX Discover made a transfer balance of + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} credit on account XX/XX/XXXX Discover made a + {$2500.00} balance transfer on account XX/XX/XXXX Discover made a + {$2500.00} transfer balance on account Discover owes a - {$5000.00} credit on this account, I've spoken to several people to try and resolve this fraud charge but they are not helping. I keep gettend transfered & no one can help with the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous complaints to CFPB in reference to Transunion. I am a victim of identity theft. Its not fair to me that I have to suffer because of errors
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I have purchase XXXX XXXX via my XXXX bank I have proof worth of XXXX via App called Coinbase, I have a level 3 verified account. Few days alter I misplaced my phone for few hours and than regained access to my phone without comptonization of my private data. After that my coinbase account got locked, I opened a ticket with them but so far it's been over 35+ days where I just received confirmation email without anyone trying to unlock my account so I can use my funds. I'm emailing Coinbase Support on daily basis to solve my issue with locked account by they just ignoring my correspondence and not providing me a valid reason for no unlocking my funds. 

Please help, Coinbase Support XXXX # XXXX
Product: Debt collection

To whom it may concern, I've tried multiple times to have a medical debt that is reporting to my credit verified for accuracy as it does not belong to me. I've sent a certified letter for validation of debt on XX/XX/XXXX and was signed when delivered and yet to get a response. I contacted the collection agency and they have stated that they flagged the account for fraud but yet to remove this item. I've also contacted the original creditor and they stated that they no longer have anything to do with the debt because they sold it to the collection company. 
the account in question has a date of XX/XX/XXXX as opened and status updated XX/XX/XXXX but a balance updated XX/XX/XXXX three different dates with a balance of {$5800.00} original balance {$4400.00}. this account is with allied collection services..
Product: Checking or savings account

I have a family operating account at First Bank Puerto Rico with a branch in XXXX XXXX XXXX. Bank Statements for XXXX and XXXX of this year were fraudulently compromised for {$14000.00}. I asked the bank for the XXXX through XXXX statements and discovered the fraudulent activity. The bank did not send us the statements for those months because we have a Florida residence. In order to retrieve the bank statements I must wait until I travel to XXXX XXXX. I contacted the Bank as to the issue and was issued a case number. Two weeks passed so I went to the XXXX XXXX branch and enquired about the case number. I was told that their policy is that the complaint must be filed within 20 days of the occurrence. We did not receive the bank statements until XX/XX/year>. I have a copy of the statements with the fraudulent activity highlighted in yellow. We write checks only. There is not a debit card and we do not pay by wire or ACH. There was a check written, not authorized and several mobile payments to XXXX XXXX.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Hello, XXXX XXXX I moved to Florida and changed my banking to XXXX. 

However, Citizens bank did not take me off of XXXX after I had closed all my Citizens accounts, XX/XX/XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX  ] sent me {$610.00} by XXXX, I thought would go to my XXXX account. However, even though I no longer had a Citizens account for quite a few months, I got a text from Citizens that I had {$610.00} in my closed account. 

After calling Citizens and waiting on the phone for about XXXX minutes, I talk to your CSR, explained the situation, he assured me that the funds would be returned to XXXX XXXX. 

XX/XX/XXXX claim number XXXX. 

Called again XX/XX/XXXX I was given another claim # XXXX. 

I was also given the XXXX transfer number XXXX. 

I was assured that XXXX XXXX would have his money back in 2-3 weeks.

Well, now here we are XX/XX/XXXX and the {$610.00} is still not been returned. 

I have included XXXX XXXX address with this email. Please follow up. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XX/XX/XXXX Citizens Collection, Here I go again, I have made at LEAST 10 phone calls to Citizens Bank. 
I moved to Florida in XXXX XXXX. Shortly after I closed my Citizens Bank and transferred all my money to my XXXX account. 
Shortly after I got an automatic deposit that went into my closed account. After numerous calls to XXXX, I was assured that it was closed and that was that I transferred the money to my XXXX account, I called Citizens bank and was reassured that it was all taken care of again and would not happen again. 
Then my friend sent me XXXX, letter enclosed, it did not go into my XXXX account but Citizens. Read the letter, what a mess, and still no money returned to him. 
One phone call to the support I was on hold for 1.5 hours. I spoke to a manager in the XXXX Branch and was assured the account was closed. After all that she said that she had done all she could do. And she did a good job. 
I finally was able to get XXXX off my closed Citizens account. 
Now, I get a letter dated XX/XX/XXXX saying I have over drawn a closed account!!! 
HOW CAN THIS BE!!!!! 
And youre going want to put this against my credit for YOUR incompetence. 
Come on PEOPLE!. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PRO COLLECT is claiming that I owe them {$990.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

This account account was charged off XX/XX/year>. Since then the account has REPEATEDLY been updated as charged off every single month. 

THIS IS AN UPDATE IN THE PAYMENT HISTORY. 

A charged off account should NOT include an ACTIVE payment history. 

This is inaccurate information falsely manipulates the statue of limitations. You have failed to investigate this account properly once AGAIN and your negate has VIOLATED MY RIGHTS. 

I am demanding a deletion of the following account : Account number : XX/XX/XXXX