23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a checking account with chase I had money in it and just the other day I tried ordering food with my debit card just a day after I had received a deposit and was using my card it all the sudden stopped working I tried signing in online to my account and it said to contact them so I did and they said they had closed my account with no reason given. now remind you I have children that I need to feed and that was my money source for their food and now I wont get any of my money that was in the account for 7 to 10 business days when they decide to close it. also they revoked my credit card for no apparent reason as well I was making payments on my credit card as well now I dont understand why this is happening and they said they would reimburse my funds to me through a check a month ago and still have t recieved it what can I do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The company, XXXX XXXX XXXX is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my anxiety, my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.
Product: Debt collection

I mailed a cashiers check XX/XX/2022 for the full payment on a debt owed to Portfolio Recovery and the debt is still showing as unpaid as of today. I spoke with a representative a week ago who stated that they had not received the payment. I tracked the check through USPS which stated that the check was in fact delivered to them in XXXX of 2022, the check has not been cashed as of last week. I have spoken with multiple representatives who have informed me that they are looking for the check in the office and for me to continue to call back to follow up. I informed the representative that I would like to rectify this situation and clear this balance seeing as though Ive made the payment almost two months ago. The representative disconnected the call at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and SBA loan and due to the pandemic crisis, and your company has hurt me to XXXX credit.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report inaccurate information. My name is XXXX XXXX there are no other names I am known by. My address is XXXX XXXX XXXX XXXX, GA XXXX this is my only residential and mailing address any other address is inaccurate and not deliverable by the United States Postal Service. As a reseller of consumer information LexisXXXX is required by federal law to maintain accuracy.
Product: Student loan

Below is a letter that was sent on XX/XX/2022. I received a call this month stating that the lender sets the rates. I would like assistance with contacting the lender if possible : My name is XXXX XXXX, I currently work in the capacity of a XXXX XXXXXXXX ; due to the economy, my job has tightened funding and I need to redo my personal budget, as we are trying to keep afloat. 

I have been paying my student loans for over a decade on time and my balances are increasing rather than decreasing. Due various issues within my job and household, I am requesting an interest rate reduction and as I am experiencing financial difficulty. I am currently paying more than 15 % APR for my student loan interest on account number XXXX and 12 % for account number XXXX and it is truly taking a toll on me financially. I am requesting a reduced payment on my debt. I am requesting that I receive a reduction of 8 % as I can afford to quickly repay you. Also, I would like to request an interest abatement of six months. Please contact me, so we can come to a manageable solution as this is imperative that we do something rather sooner than later.
Product: Credit reporting or other personal consumer reports

This company XXXXXXXX XXXX continues to inaccurately report my past two loans as open or unpaid. For 5 months now I have requested through all credit reporting agencies and XXXX XXXX  to fix the inaccurate information, as soon as it is fixed XXXX XXXX illegally reports as unpaid the following month. I feel they continue to do this month after month to prevent me from getting loans at a decent rate due to it negatively affecting my credit score. This is illegal and I have proof they continue to report to the credit bureaus month after month inaccurate balances to lower my credit score. Even after it is fixed they follow up with inaccurate information, this is illegal, this is fraud, this is damaging my credit! My account has been closed since XX/XX/year> and XX/XX/year> and they continue to falsely report a balance. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back, don't you guys have 30 days to respond.
Product: Payday loan, title loan, or personal loan

I really needed to pay bills, so I decided to take out a title loan with XXXX XXXXXXXX is actually XXXX XXXX XXXX in XXXX XXXX, California. My 1st. payment was due on XXXX XXXX XXXX so I tried to use the application on my phone. The app is " XXXX ''. Immediately had issues because you can't make a payment higher than your interest only minimum payment using the app, so needless to say the app is useless! Immediately called XXXX & was told that I could make a higher payment on the phone, but that person had to get an override approval before taking my debit card. The guy asked for my debit card # s, and I then said I wanted to PAYOFF the loan in the amount of {$2600.00} or {$2800.00}. The guy said my card was declined from my bank because of a limit issue. I humorously called my bank " XXXX '', & that guy told me that I not only have XXXX limitations, but they're wasn't any denied transactions in any amount much less the {$2600.00} that loanmart said was denied! XXXX has all transactions recorded, so they told me no charge of {$2600.00} has tried or been denied on our end. I immediately called loanmart where another guy takes me through the process of making a payment, where I immediately get denied for the same exact " limitations from my bank ''. I humorously, " because I smell a scam as I just got this loan, so I'm sure they don't want me to pay it off because that's how they make most of their money ; but that's not my problem! ". So, humerusly I ask the guy to run my card for the interest only {$220.00} minimum, & guess what it worked perfectly! I maybe thought they were trying to run different numbers or some different expiration date or something, but that proved my card was fine! I told the guy why is my card good for {$220.00}, but not the amount of {$2600.00}? He replied with the same XXXX " limitations from your bank '', & I told him I just spoke with the bank and they're are XXXX limitations. I said well since you think my bank has limitations, let 's do ( XXXX ) payments of {$220.00}. He tried the 1st. one & guess what happened ; he said I'm sorry sir but your bank has denied the {$220.00}. What are you talking about, I just paid {$220.00} earlier today! Well sir your bank apparently has limitations, I was livid & told him to take a long walk off a short pier and hung up! Please help me with this XXXX company? All I want is to accomplish ( XXXX ) things from this complaint :. A ). I pay off my Title Loan and get my title back! B ). This XXXX XXXX Bank get shut down or penalized, so they can't continue doing this to human beings in the future! C ). You can imagine how many times this same thing has happened, & people just keep paying interest, so there needs to be penalties for future loan title fraud! Sincerely, XXXX XXXX Thanks Very Much
Product: Money transfer, virtual currency, or money service

Request # XXXX Representatives refuse to get me in contact with Supervisor after uploading docs on several occasions. XX/XX/2023 If my Venmo account closes between now and the end of the day they are simply retaliating because I requested to speak to this representatives boss ( XXXX XXXX ) He asked me for a bank statement that shows my card information he must be from a third world country because card information does not show on your bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX filed a judgement in XX/XX/2011. This judgement should no longer be shown on my credit report. It is only left seen on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to secure a home equity loan, we learned of a judgement issued from our District court against us for {$4500.00} for Springleaf Financial ( now One Main Financial ). Numerous phone calls to One Main have identified that amount was pain in full, however One Main has not responded to multiple requests to notify the District court of the  release of this judgement against us. The District Court docket number for XXXX County is XXXX. Most recent phone contact with the litigation department at One Main was yesterday XXXX. One Main 's  failure to notify the district court of the release of this judgement is impeding our purchase of a new home which is set to close in the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}
Product: Prepaid card

I called American Express to report my prepaid debit card lost and stolen when I last used it at XXXX XXXX to report that someone made a fraudulent charge for {$9.00} and American Express never returned the money back to me but thought I was responsible for the charges that were made on my card, even though I reported my prepaid debit card lost and stolen, but American Express thought I was responsible for the fraudulent charges in my prepaid debit card and they wo n't pay me the {$9.00}, that someone charged on my debit card, probably because I have a hard time keeping track of my prepaid debit card and I loose it and they have reimbursed me in the past when I have reported my prepaid debit card lost and stolen. But now, they are stealing my money and they wo n't give me back my {$9.00} and that is why I am filing a complaint to get the money that someone stole in my prepaid debit card, when I asked them to send me a new one and they are rude to say they do n't want my business anymore. And I violated a terns of conditions agreement all because I was always asking for a prepaid debit replacement card and they have no proof or evidence that I did that charge and I want them to give me my money back, otherwise I will report them to the news media for terrible customer service.
Product: Student loan

When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX  as an XXXX since XXXX  and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Did not make or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Did not make or authorize this charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 

I contacted Pal Pal Credit M/C about the charges that were not authorized in XXXX when finding the unauthorized charges on my statement. 

They said they would investigate and make a decision within 60 days. They contacted me stating that they found in favor of XXXX XXXX. I asked for copies of the charges in dispute. I was told that they could not give me that information. 

They said they would file a second dispute. I was once again contacted stating that again I was liable for the charges. Again, I stated, I had the authorized charge receipts in my possession and wanted to see the receipts the unauthorized charges they claimed I made. 
Again I was told they could not show them to me. 

They made an adjustment removing the charges on XX/XX/XXXX only to rebill them back... 
XX/XX/XXXX XXXX XXXX XXXX SC {$92.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX SC {$190.00} The representative I spoke to this time said the two disputed receipts had signatures that didn't match and that I should send in my receipts, I said I would furnish copies and was told where to send them. 

A third dispute was now open and again I was told 60 days for a resolution. When it was well over 60 days I contacted PayPal M/C and asked how the dispute was going. I was told they had no knowledge of the third dispute and hung up on me. 

I contacted them no less than 6 times in the last 2 weeks and I get put on hold and then disconnected. I have wasted numerous hours with this process and have been left with no alternatives except to contact your agency. 

I have had this credit card for many years, never been late with a payment which is paid in full every month through an automatic debit from my bank. I have never had a problem like this in the past and refuse to be a victim for {$290.00} of unauthorized charges.
Product: Vehicle loan or lease

I have stage XXXX XXXX and have been trying to refinance my car with my credit union. My credit union requires a copy of the title so that they can confirm that no one else is on the car title. Westlake has been refusing to provide the information to my credit union. Westlake said they require the request come directly from my credit union and not myself. When my credit union requested the information, Westlake said they would provide it in a couple of days. The required documentation never showed up. Now Westlake says they will not provide the information needed to refinance my vehicle as i battle this XXXX and can no longer work. It has now been over 30 days and my refinancing attempt must start all over again, which means running my credit again. This is grossly effecting my fiances and my credit reporting since i now have multiple inquiries that should not be necessary.
Product: Mortgage

In association with complaint number XXXX the following court documents are submitted to update the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date XX/XX/2022 XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I applied for forbearance on my student loans, which are serviced by XXXX XXXX. This deferment was for only THREE WEEKS ... from mid-XXXX to early-XXXX. This was done to postpone payment while my monthly payment amount was being recalculated. No payment was made in XXXX, but the account is still in good standing due to the forbearance. I then made a payment for XXXX ( after the recalculation ) on XXXX XXXX ( before the forbearance even ended ). 

Prior to this forbearance, in XXXX XXXX, my credit score was XXXX with Trans Union as reported by XXXX XXXX. The score was XXXX with Trans Union as reported by XXXX XXXX. On XXXX XXXX, XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However, I checked both XXXX XXXX and XXXX XXXX, and both had my Trans Union credit score as XXXXOVER 40 point drop in less than a month. This is a MAJOR drop. Nothing has changed in terms of credit card debt usage, debt, late payments, collections, public record, etc. Nothing has occurred that would warrant a drop of over 40 points. To put this into perspective, some bankruptcies will cause a score to drop by as little as 100 points. See attached, labeled documents. XXXX XXXX indicated that a change had occurred because TransUnion reported a more than 10 point drop in score. 

Since both XXXX XXXX and XXXX XXXX are free, I immediately questioned the accuracy. I therefore purchased my TransUnion credit report directly from TransUnion, order # XXXX ( screen shot attached ). The actual TransUnion report verified the information provided by XXXX XXXX and XXXX XXXX : my credit score had dropped to XXXX. Again there is no logical reason for such a dramatic score decrease other than the student loan forbearance. 
I phoned TransUnion and spoke to a customer service member. I asked her why my score dropped over 40 points, and she would not even verify that the score did drop. She would also not tell me any reasons, other than generic reasons like credit card usage, late payments, etc. TRANSUNION CUSTOMER SERVICE PROVIDED ABSOLUTELY NO REASON FOR THE DRAMATIC SCORE DROP. 

Most would come to the same conclusion : TransUnion dropped my credit score due to my 3 week student loan forbearance. The timing coincides with the forbearance and other factors have not changed. 

As a result of this TransUnion decision my credit has gone from an " excellent '' rating to a " good '' rating. This lower score impacts my ability to get a loan and causes me to pay more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted XXXX who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised XXXX should have the history of my loan and to give them a call back. I have spoken to XXXX from XXXX who advised she can not view this information and I would need to contact my previous loan company. This company was XXXX XXXX XXXX who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.