23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am on XXXX  XXXX due to several health issues since 2005 and am completely unable to work. My only source of income is my Social Security XXXX check I receive on or about the XXXX of every month and can barely afford to pay my bills as well as purchasing food to eat. I am in severe pain every day and have no quality of life. I get at least 7 or more phone calls from Navient every day and have tried to work something out with them.but due to my loan being a Private one known as XXXX they refuse to work with me in any way at all, have no empathy or regard for their customers and have lied to me and deceived me for years about all kinds of issues related to my Student Loan which I have brought down to a balance of about {$10000.00} or very close to it. They just our right will not work with me in any way no matter what and was one of the people that was deceived by saying I could file for XXXXXXXX XXXX  XXXX  XXXX to get the Loan forgiven, even mailing me the paperwork that I filled out and promptly returned but when I asked about the status was told that they could not even find the paperwork and had no idea what happened to it. I continued to request Navient to send me the Loan Forgiveness due to XXXX XXXX  XXXX  XXXX at least 10 times or maybe more periodically but either failed to be mailed the paperwork or was lied to by being told that they could not find the filled out and mailed in paperwork I sent to them. They failed to be able to provide me with any kind of excuse of what happened to the paperwork I mailed them at all so I truly believe that it was either thrown away or shredded and will continue to believe that. I have been treated like trash and talked to in a very condescending manner as well as being told that they would not work with me. I know there have been many Class Action Lawsuits filed against Navient that I out of anyone should have been included in but I was never even notified, why? I have no idea at all but have been very angry about it because of everything I have been through with Navient! I live in XXXX, Tennessee and would like to file a Class Action Lawsuit of my own by myself because being on Social Security XXXX does not afford me the option of hiring an attorney to help me unfortunately. I am a very dedicated, intelligent and capable guy that pays attention to detail and am committed to filling out all the paperwork required, calling whatever resources I need to, meticulously reading and making positively sure that I do not miss one single detail I need to take care of to make sure I do this correctly. The only thing is I have never filled a Class Action Lawsuit before and need help making sure I do not miss anything as well as being very appreciative for any advice or information you can provide me. Here are some details of how to get in touch with me any any other information you may need. 
Thank you so much!! 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Phone # : XXXX Email address : XXXX Or XXXX If you need any other information from me please feel free to ask. 

Thanks again!!
Product: Checking or savings account

I disputed the transaction of {$50.00} because the merchant refused a refund but I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Absolute Resolutions is a collection Agency that is currently intentionally reporting false information to the credit agencies. This account is currently listed as open and charged off as of XX/XX/XXXX. An account was never opened with this company on XX/XX/XXXX ( per report ) and an account can not be charged off and open simultaneously as they currently have reported. Also, This account was not charged off in XXXX as they reported. Please have this company remove this false information from my credit report as it is illegal and negatively impacting my credit rating.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. looking over my credit file ive noticed alot of errors that Neds to be deleted asap. this is my 2nd attempt to process disputes that can help improve my credit. please review the following data that is listed to help clear my file asap.
Product: Credit card or prepaid card

I purchased a string trimmer and maintenance kit from XXXX XXXX XXXX using a 0 % interest for 36 months payment program through XXXX XXXX. The payments included a one time promotional fee of {$150.00}. We were billed for the promotional fee for a total of three times. We spoke with customer service agents at XXXX XXXX twice about the billing error and continued to receive billings for promotional fees after being assured they had been dropped. The last customer service call assured us that the error had been corrected and our balance was {$0.00} only to receive another bill with a late charge. The next call to customer service we were sent to an account representative who was combative and claimed that we had two transactions which justified the second promotional fee of {$150.00}. The " second transaction '' was the maintenance kit bought when we bought the trimmer which cost for {$130.00}. Our initial billing only included one " promotional fee '', not two. The Account Rep said he would review the last call and get back to us and that it could  take up to 30 days to get the recording reviewed. He said that in the meantime we should pay the minimum payment so we wouldn't be charged a late fee. Despite 4 phone calls to " customer service '', we still have no resolution to this situation. 
It is remarkable that, even when requested, none of the XXXX XXXX reps would give us neither a confirmation # for handling this problem or confirm our conversation in writing in anyway. They have no direct phone number or e-mail. NOTHING. From our experience, XXXX XXXX Credit Service is dishonest and a financial predator to consumers.
Product: Checking or savings account

I opened a Citi account in XXXX. Recently, they froze my account citing fraud. But the refuse to send me information. I've called 8 times and each time get a different answer. Today, I was told they were now reviewing my incoming deposits. 
I have zero access to money for food, gifts or bills. I am a single parent and just need some answers. 
I spoke with XXXX with CitiERU and was given this reference number : XXXX Thank you XXXX XXXX XXXX
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  debt bondage, which falls under XXXX according to XXXXDebt 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 XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX XXXX XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Balance : {$910.00XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX : {$910.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account number : XXXX XXXX : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account numberXXXX
Product: Debt collection

I have been listed as the Executor of my parent 's estate ( XXXX and XXXX XXXX XXXX ) in XX/XX/XXXX. Ascension Point Recovery did send me a notification of 2 accounts that has been placed with them thru the mail. A female representative called me in the early part of XX/XX/XXXX. I explained to them my parents probate has been closed. The representative did mention she sent a claim to probate. The female representative starting asking me if my parents had any assets ( house, bank account, car ) etc. She also asked my why did they open a probate case. I felt the question was very inappropriate and illegal. I would like this company to be reprimanded.
Product: Credit card or prepaid card

American Express offers a feature to pay for each transaction you make during a statement period. This is a nice feature to allow consumers to try and reduce balances that are assessed interest. The problem is that American Express only allows the consumer to pay for up to 5 transactions per day and then locks you out from making anymore payments. Also, transactions over {$100.00} can not be paid and instead they offer the " Plan It '' feature, with most " plans '' being 24 months. A fee is assessed every month for this feature so obviously the longer the duration of the plan, the more American Express can collect in fees. If you don't opt for this, then that transaction is subject to interest at market rate. With this " Pay It '' feature, I paid off all 5 of my transactions for the billing cycle the day before my bill was due. On the day that my minimum bill was due, I attempted to make a payment in the app and was locked out of doing so. I attempted to call to make a payment but was transferred to a representative that claimed they too were unable to process a payment, that I would NOT be assessed a late fee, and that I would be able to pay that remaining balance the following business day. The due date was a Saturday, the payments were on a Friday and I went back to the app on Sunday where I not only was able to make that payment but I was also charged a late fee. I called to get American Express to honor the statements their representative made regarding no late fees and was told because I had recently had my request to reduce my interest approved, I was not eligible for a waver. This entire process is predatory and anti-consumer. The 5 payments/day and then locking consumers out of any further payments is clearly a sneaky way for American Express to charge late fees to further their profits on predatory intended practices.
Product: Credit card or prepaid card

I have received ( 3 ) unsolicited debit cards since XX/XX/21 from XXXX. 2 were Flareaccount cards and 1 was XXXX.
Product: Credit card

XXXX XXXX lost my bag. According to the Department of Transportation, they must refund any fees I paid for the baggage service. I filed a dispute with Capital One ( my credit card issuer ). Capital one responded with information that isn't relevant to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix it.
Product: Vehicle loan or lease

I performed a one pay lease for the entire 36 month lease term ( e.g., pay the entire lease upfront ). However, GM/GM Financial does not properly calculate the Rent Charge/Interest due under the lease. In essence, GM Financial charges interest on the down payment, which results in paying interest on money that isn't actually loaned. 

The formula to determine the Rent Charge is : ( Adjusted Cap Cost + the Residual Value ) * the Money Factor * 36 ( 36 = the number of months in the term ). In my case, the total should have been approximately {$3400.00} ( XXXX ) XXXX. GM calculated approximately {$4900.00}, which was due to failing to take into account the cash down on the transaction. Here is GM 's calculation ( XXXX ) XXXX. 

GM 's failure to properly calculate the lease resulted in me being overcharged interest of approximately {$1400.00}. 

I've requested a refund from GM Financial, but the customer service representative didn't really understand how to calculate a lease or have any idea what I was talking about, so he was unable to help with the transaction. He told me that he would have someone call me, but no one ever called.
Product: Debt collection

CCS also known as Credit Collection Services is attempting to collection an alleged debt in the amount of : {$1600.00} for their client named : XXXX. 

I have no knowledge as to what this account is about. It is not mine. In addition to that I never received and written notice to include a Notice Of Right To Dispute. 

CCS has place a collection account on my reports and damaged my credit, and I was never allowed to request validation or dispute this alleged debt prior to CCS placing this derogatory remark on my credit report as if it is valid, when in fact it is not. 

Pursuant to the FCRA, FDCPA and the Fair Credit Billing Act I was denied my rights as a consumer and this collection agency is in violation of the Federal Law. 

In addition ... ..the State of North Carolina courts requires reasonable investigation into the facts. CCS should no this. Which is why I also question whether they are permitted to collect in my State
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You've paid off 0 % of your collection amount. 
Balance {$960.00} Highest Balance {$960.00} Opened XX/XX/2017 ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I have a credit card for BJs through Comenity Bank. My payment is due today Monday XX/XX/2022. I have spent all day trying to make a payment, but the system is down. I have reached out to them via social media with no response. I have also reached out to the phone number on the card and their customer service is closed. I found online that this has apparently been an issue for about a week. I will be challenging any late fees or interest charged to me based on the fact that there is no way to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankrupt XXXX  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of transunion inquiry issues and I called them and they will not delete the incorrect inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in Transunion which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX XXXX was absorbed into Bread Financial ( as I understand it ) in late 2022. At that time my Interval World Mastercard online account was no longer accessible. I followed account access reset process multiple times to no avail. I repeatedly called the customer service department and was provided unhelpful or incomplete instructions on how to resolve, ultimately leading to my decision to close the account over the phone. I was told I would receive a final statement which never arrived. I was contacted numerous times that my account was past due, which didnt make sense as I shouldnt have had a balance on the account. I again asked for a final statement to verify the charges and was told it would arrive shortly. Weeks went by and my account was showing delinquent which was then reported to the credit bureaus. My credit score suffered a XXXX point drop due to this issue which was entirely on Comenity/Breads end. I finally received a final statement roughly 2 months after all of these issues began, and the statement was incomplete ( it did not outline charges which reflect the total account balance at time of closure ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation  with Wells Fargo. They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and  XXXX . It is p ast the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  Wells Fargo account on the credit bureau reports. I am disputing items and requesting written documentation from Wells Fargo  documenting payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from  XXXX  to   XXXX   I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.