23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of 2018 and took a loan through the car dealership. The loan was issued through Citizens One, XXXX RI. In an effort to pay down the loan quicker, I set up weekly payments of {$250.00} marked PRINCIPAL ONLY. However, the Loan Company CONTINUES to deduct interest payments against the {$250.00} ADDITIONAL PRINCIPAL ONLY payments. I have called them repeatedly asking that they cease this activity and that they refund back to principal all of the interest payments they took. To date, this STILL has not been done. If you request a supervisor, you are told none are available. They owe me all of the interest payments they stole and are refusing to apply them against the principal.
Product: Credit reporting

TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW..
Product: Student loan

I sent letters, which are attached to the Department of Education on XX/XX/2022 ; XX/XX/2022 and again on XX/XX/XXXX. 

Please see attached. 
This was not a dispute I stated I would make payment in full in exchange for the original instrument of indebtedness. I have not received what I requested nor have they contacted me in reference to the letters that have been sent.
Product: Debt collection

Blitt & Gaines sent me a letter in the mail saying they are trying to collect a debt they claim I owe XXXX XXXX, XXXX. I filed several complaints they have failed to send me what I requested. I was served a summons but how are they a debt collector on the letter but listed on the summons as attorney office? Since they are trying to sue me and collect on behalf of XXXX XXXX XXXX. I asked that they produce the Affadavit of Corporate Authority signed by the board of directors office authorizing/ appointing them to represent XXXX XXXX XXXX XXXX  and allowing them to file a claim against me. But they have ignored my request. They have failed to provide identification and attachment of them working on behalf of XXXX XXXX XXXX. They also failed to provide a copy of the original card member agreement containing terms and conditions between myself and XXXX XXXX XXXX. They also failed to provide a copy of all statements from the beginning of time to present. They failed to provide identification and attachment of statements and files from record keeper of business. I asked for identification and attachment of forward flow agreement between myself and XXXX XXXX XXXX The only thing they sent me was a copy of statements from XXXX XXXXXXXX which does not prove that I owe this debt of XXXX that they are seeking. I also asked in my previous letter to them that they respond back via email and instead they sent me personal information in the mail. I have a stamp copy proof of that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$1300.00}, and XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/2020 Balance {$7900.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I have applied for an Apple Card which is offered by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch and been denied. My most recent application for this card was XX/XX/XXXX. The text of the denial stated " Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have recently been past due '' However, I have not been past due on any account since XX/XX/XXXX to XX/XX/XXXX. These delinquencies

are over four and a half years ago. I contacted
goldman sachs and was told the information came from Transunion. I pulled all my transunion reports and they don't show  any " recent past due '', XXXX  agrees they haven't seen anything negative on my report since XXXX and very early XXXX. I also pulled all my other credit reports which also show no delinquencies in the last 4-5 years, certainly nothing recent. 

I am reporting to the CFPB because I can not get anyone at Goldman Sach 's to take a closer look at this erroneous denial letter and allow me to be approved for the Apple Card. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022 around XXXX XXXX XXXX I was unable to sign into my account using www.bankofamerica.com/eddcard. I called Bank of America at XXXX. Transferred to tech support and they were unable to resolve the issue and have escalated the issue for resolution. 
See attached log of process that took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Student loan

On XXXX XXXX, 2021, I called Navient and was transferred 4 times due to getting the same department that couldn't answer my question, finally spoke to a XXXX ID : XXXX supervisor from Navient the servicer of my loan. I inquired about why my loan was still charged late fees, and interest, when in XXXX, I had told them that I was having financial issues due to COVID, and they also report my loan delinquent to credit bureau. My loans are XXXX loan FFELP. I asked about why I was being charged late fees, interest and payments, when Congress approved the temporary suppression of charges. First she told me that theses where private loans and I read the qualifications that those loans would have been eligible also. Then she said " well you weren't in default '' The kept giving me forbearance 's to make my account current and out of default so the can charge me interest and late fees. I only new my loan as a non private loan from XXXX, so now all of a sudden they tell me its a private loan. I believe Navient mis-lead me in this whole student loan payment and option process. I asked about settlement as some years ago they offered to reduce some of the interest that was on loan. Then XXXX stated they don't do that, I asked her to go back to my history on their file and she refused. I asked would it not be reasonable to validate what I said by looking at their history, she stated no. This to can be verified as the calls are monitored and record.
Product: Debt collection

Account info : Account name : MIDLAND CREDIT MANAGEMENT Also known as : MIDLAND CREDIT MANAGEM Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XXXX XXXX I do not recognize the above account and demand it be removed from my credit report immediately. Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

someone logged into my well fargo account changed the password and email to XXXX I am unable to log into my wellfargo please secure account
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Experian.
Product: Payday loan, title loan, or personal loan

I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX  in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.
Product: Debt collection

On XX/XX/2024 I contacted Ashmer 's Collection Services, inc to remove my acount due to invalidity and that I do not owed from XXXX due to tmobile selling debt and closing account. The initial amounts owed is {$560.00} with the settlement amount being {$160.00} which however I would pay but notice that by law I don't have to pay an account that was discharged or charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to Transunion and XXXX for inaccurate reporting items on my credit report per 15 USC 1681b see attachments below
Product: Bank account or service

Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.
Product: Checking or savings account

My account was locked after I deposited a check. On XXXX XXXX I was told it would be fixed on XXXX after check cleared. I wasn't given any notice by the way. XXXX was a weekend and Monday was holiday also Tuesday and my account frozen still. No response, no info from them.
Product: Credit reporting

Trans Union had a glitch in their system that violated tge rights of their consumers under section XXXX. As a result I have been affected as well as my credit score. No notice was given which is also a violation. At this time I am requesting that ALL inquiries be removed. 

XXXX XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX.-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX
Product: Student loan

I have been working for XXXX XXXX for over XXXX  years. I have been paying on my loans for XXXX  years minus some grace time while in the academy. I am currently on XXXX through Mohela and have fulfilled my XXXX payments. I currently have XXXX problems at this time due to Mohela. They placed me in a forced Admin forbearance for XXXX and XXXX as their website made changes. They give back and forth answers as to the XXXX and XXXX months counting towards XXXX. Since this was a forced forbearance, I feel customers should not have to extend their waiting for an incompetent company. However I did make the XXXX payments before the forbearance was placed on my account, but they have not counted that payment, nor does it even show up. They took my money, but it is showing ineligible. That is my first issue. My second one is that my account, along with many others, has not been updated since XXXX. I have sent complaints and they have been closed because they say that my account has not been updated since XXXX and I need to wait it out. I have completed all forms and payments needed on my end to reach my XXXX payments, however they have not done ANYTHING on theirs. 
I'm sure you have received many complaints about Mohela. I hope someone understands the unneeded stress that is affecting thousands of people. It is not right and very unfair that a company can just keep taking your money and not perform the service. How in the world can we be going into XXXX, and they have not updated payment counts in XXXX  months. People 's lives are on hold waiting for them to do their job. It is truly unfair and I hope they reap the repercussions of this. I would love to start a lawsuit on them for all the stress this has caused. I just want my loans to be completed. Please help all the people waiting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : 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 Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with the law.
Product: Credit reporting or other personal consumer reports

There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a XXXX of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a XXXX canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section XXXX ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Checking or savings account

NOT A DUPLICATE COMPLAINT : Case Number XXXX I am including the communication from Citibank regarding my complaint filed : This is still not resolved. My account is not active, like they stated over 11 days ago. When I called them about this, they claimed that it was not really active. I am still not getting any resolution from their side. At this point I am demanding that Citibank send my {$17000.00} deposit back to my other bank : XXXXXXXX XXXX. They even lied to me a month ago when I called them : stating that I would be receiving a check in the mail for the amount I sent them. I am done dealing with their lies & just want ALL my money back immediately. 
NOTE : I would also appreciate if you would leave complaints open until the complainant has a chance to respond to whether the issue is actually resolved. THANKS IN ADVANCE FOR NOT CLOSING THIS CASE UNTIL YOU GET VERIFICATION FROM MYSELF ( NOT CITIBANK ) THAT THIS HAS ACTUALLY BEEN RESOLVED.