23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is a tale of a merchant account set up by Bank of America ( BAC ) without my permission and without any due diligence. 
On XXXX/XXXX/XXXX, I received from XXXX a package that contained a merchant account data input device that was sent from Bank of America. My wife also received a voicemail message from XXXX at BAC, XXXX XXXX XXXX XXXX, asking about some charges against the merchant account in the amount of approximately {$10000.00}. 
On XXXX/XXXX/XXXX, XXXX called me on my cell phone and asked about charges on a merchant account. She said the account was opened in my name with my social security number ( SSN ). I told her that I did not open the account so she said she would close the account. 
I immediately checked my credit reports for XXXX through a XXXX online query. None of the XXXX agencies had a record of a recent request for credit. 
In a later call to BAC, I obtained the merchant account number : XXXXXXXXXXXX. 
I filed a report with the local XXXX ( XXXX ) Police Department ( XXXX ) on XXXX/XXXX/XXXX. The XXXX kept the shipment from XXXX including the data input device as evidence. 
On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, reportedly from XXXX XXXX XXXX XXXX My cell phone said the call came from ( XXXX ) XXXX. She said she was making a credit claim as a credit collection service for XXXX XXXX XXXX in the amount of {$1900.00} against the aforementioned merchant ID account number XXXXXXXXXXXX. She gave me a reference ID number YYYYYYYY and a direct line phone number to call her back ( XXXX XXXX XXXX. I told her that the account had been closed by BAC last year ( as described above ). 
I called XXXX to discuss the status of this and spoke w/ Nativa at BAC mobile support, ( XXXX ) XXXX. She said that the merchant account was closed and that the call was a phishing call and that I should ignore it. I asked her to send me a letter or an email to confirm what she said and she said that she could not do that. 
I have not called XXXX XXXX to follow up on their claim. 
I have been damaged by the reckless manner in which BAC opened the merchant account without due diligence and I continue to be harassed by other parties as a result of their gross negligence.
Product: Student loan

I have loans serviced by Navient which were originally {$22000.00} and {$11000.00} these loans have grown in interest over the years to now be {$36000.00} and {$20000.00}. Because I defaulted on these loans the total amount owed with collection fees is reported to be over {$71000.00}. There is no way I can pay this amount. When trying to deal with my loans and get out of default, I learn that I should have been put on an Income based repayment plan. I was a single parent beginning XXXX. I was married from XXXX, but my husband passed away in XXXX leaving me a widow and once again a single parent. I was single up until XXXX and struggling with my daughter to make ends meet.Because of my circumstances, I would have qualified. Every time I spoke to someone, no one ever attempted to set me up for any sort of loan forgiveness or an Income based repayment plan. I was always pushed into forbearance or deferment. My loans have constantly been in a state of forbearance or deferment. If they had been in an appropriate income based repayment plan my loans would likely be paid off or forgiven by now. Instead I am haunted by this overwhelming debt, and harassed by XXXX and XXXX XXXX who are attempting to collect this balance for Navient. I feel like I have been hustled into this crazy amount of debt that I shouldn't actually owe.
Product: Debt collection

DEBT COLLECTOR IS NOT ABLE TO VALIDATE THE DEBT. REQUESTED TO PROVIDE ME THE DOCUMENTS I HAVE NEVER RECEIVED. THE DEBT COLLECTOR IS TRUING TO COLLECT A DEBT WHICH I HAVE NO KNOWLEDGE.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX I have three very sketchy charges go through on my chime credit builder card. The first charge was for {$1000.00}, which was denied. Then they tried {$1.00}, and that went through. Then they charges {$100.00} and {$500.00}, both went through. It is nearly impossible to get in contact with anyone at chime and when I do I just told that they are working on it and will hopefully have the dispute resolved by XXXX. The charge for {$1.00} has been returned, but the other two charges totaling {$600.00} have not.
Product: Debt collection

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. 

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO EQUIFAX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within XXXX days of being notified of the identity theft.
Product: Debt collection

I was called by Midland Credit Management ( MCM ) because XXXX XXXX XXXX XXXX  account associated with them had my phone number on it and the creditor was harassing me for the death certificate which the estate of XXXX XXXX XXXX XXXX XXXX XXXX won't give it out and I do not have access or the ability to give it out. 

We believe it is a scam and the phone number is XXXX XXXX  XXXX XXXX XXXX name is XXXX XXXX. 

She passed away on XXXX XXXX, 2023, in the early morning and I am not responsible for her debt and want my phone number removed from their database and from XXXX XXXX XXXX account associated with them. 

Her social security number is XXXX
Product: Credit reporting or other personal consumer reports

I am trying multiple times to inform XXXX credit bureaus that I am an XXXX XXXX  victim and that certain entries in my document appear to be the result of improper behavior. The documents I am asking relate to no transactions in which I have made or approved the acquisition of any property, including commodities, services, or money. Take note of anything in my credit report that is notable and that resulted from a purported scam or extortion, assuming that neither of these things matters. 
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
Product: Checking or savings account

I notice on my XXXX XXXX account in the previously 3 years there are 4 hard inquiries I did not do on my account I need them to be disputed off my account and investigated as soon as possible Im literally not able to have credit score and it has me stumble across buying things.
Product: Student loan

This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. 

Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. 

This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.
Product: Credit reporting or other personal consumer reports

I had a secured credit card with key bank .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to key bank on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a XXXX XXXX dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.XXXX  and XXXX have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act
Product: Checking or savings account

I've sent several secure messages to XXXX  XXXX Account by XXXX regarding non-payment of the promised {$100.00} bonus. In my last correspondence with the service representative via a secure message on XX/XX/XXXX, they have asked to send screenshots of the {$100.00} promo offer indicating that direct deposit was for any amount. I sent screenshots along with my letter to provided email address ( XXXX ) on XX/XX/XXXX. When I followed up with them on XX/XX/XXXX, they sent a generic message saying that they are unable to resolve my concern through email and to please speak with a customer service agent for further assistance. But I have already spoken to their customer service representatives numerous times via a secure message, which lead me to nowhere. They said to email XXXX and this department gave me a turn around and told me to talk to customer service representative again! Do you see how frustrating this situation is?! It appears that XXXX XXXX by XXXX does not want to take responsibility for their mistake of non-payment of the promised {$100.00} bonus. They keep re-directing me back and forth without any resolution of the issue. This is the email that I sent to XXXX on XX/XX/XXXX. 

Good day, My account is XXXX. You have asked me to provide screenshots of the {$100.00} promo offer that I signed up with when I opened my account on XX/XX/XXXX to prove to you that direct deposit condition was for any amount. The URL for the promotion was : XXXX As you can see on the first screenshot labeled XXXX  XXXX, the promotion clearly states that direct deposit requirement was for ANY AMOUNT ( I repeat, ANY AMOUNT, not {$500.00}, not {$300.00}, not {$100.00}, but ANY AMOUNT ). Please read what it says on your own promotion : Step 1 : Open a new Fare Account Step 2 : Enroll and receive Direct Deposit in ANY AMOUNT for your payroll or government benefits checks within 60 days of account opening.

Step 3 : After the first Direct Deposit enters your account, receive {$100.00} credit to your XXXX Account within 30 days. 

Since the promotion clearly stated ANY AMOUNT, my first direct deposit for {$1.00} from XXXX XXXX posted to my account on XX/XX/XXXX. Thereafter, all direct deposits of {$1.00} posted every two weeks. 

I have fulfilled all the requirements of this promo. But you havent fulfilled yours. I am still waiting for the promised {$100.00} to this date. 

I am getting extremely frustrated that I have to repeat myself so many times to your customer service reps that direct deposit in your promotion terms was for any amount, not {$500.00}. Your customer services reps asked me to email you the proof with screenshots, which I am doing here. 

If this case is not resolved, I will be escalating it to Consumer Financial Protection Bureau for your failure to comply with your own promotional terms and conditions set in your offer. 

Please advise when will the {$100.00} be posted to my account. 

Thanks, XXXX XXXX
Product: Debt collection

I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT SPEEDY CASH BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE
Product: Mortgage

My city made my property tax exempt, after deceasing the mortgage for over two years. Without notice the lender FlagStar Bsnk added taxes back to mortgage. No matter how many times I sent in proof of exemption they would not change it. They drove the mortgage up and would not take my payment without the taxes stating they were short payment. They tried to justify the increase by stating that the mill rate in my city went up, however it was unchanged that year. They put me in Forclosure and would not grant a modification. XXXX is now involved and they took title of the house. No one would address the tax issue or the double of the mortgage.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not attend this institution these accounts do not belong to me. Someone used my information to obtain these loans and i put in a identity theft claim alarming the government about this fraudulent activity under my name. 

XXXX XXXX XXXX  opened XX/XX/year>XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX opened XX/XX/year>XXXX XXXX XXXX  {$3500.00}
Product: Student loan

Received legal statement/ from Discover Student Loans regarding CFPB legal action and settlement information for account holders. This letter contained information regarding my account, stating that it was eligible for a {$75.00} account credit for applicable servicing years. I have yet to see this credit applied to my remaining balance. I have called on XXXX separate occasions to inquire about when and how this amount will be applied. They have told me that the {$75.00} was applied to my XXXX XXXX statement, however, all deducted payments were made by me and my checking account funds. When I called the second time, I was passed around to XXXX departments and made to feel ignorant about their financial procedures and told that a special statement would be created to illustrate how this {$75.00} credit had been applied. To the best of my knowledge, all deductions to my principal account balance have come from my personal checking account. I have just received this " special statement '' and it is nothing more than loan information, original disbursement information and contains information about credit reporting. Nothing about your judgment against them for their illegal servicing practices with their student loan borrowers. I have had many issues with them over the duration of our contractual agreement, including upping my interest rate to above what they currently offer to new borrowers, taking additional payments on my account and applying them to interest, however, they were additional payments made to be applied to the principal, furthermore, I was instructed by their representatives to seek out plasma donation sites for income when I was out of work in XXXX and asking for a 30 day deferral.
Product: Debt collection

Company has called several times and left message stating " Important message, this is AR resources this is a message from a debt collector please call XXXX '' When called back the phone immediately went to voicemail. The phone was answered again by a man that demanded information such as address and social security number and provided a ten-year old address as verification of my identity. He then called from a different number ( XXXX ) to continue verifying information. He stated that the supposed {$700.00} ( approx. ) I owed to a school from ten years ago was in collections and that they had sent mail that I had ignored ( again the only address listed was from 10 years ago ) There is no debt owed to this school and I have never been contacted regarding this previously. It is my impression this is a scam.
Product: Debt collection

False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX, XXXX and Equifax Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, Equifax has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX XXXX or XXXX XXXX  and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because Equifax is not giving me the right information on my credit profile. XXXX is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with XXXX. Equifax at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but XXXX and Equifax is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX which I have almost 2 years now with a good payment history and yet XXXX is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!
Product: Checking or savings account

A website call XXXX based in XXXX randomly charges my checking account ( some form of random recurring payments ) amounts ranging from {$20.00} to {$370.00} dating back to XX/XX/2019 where I thought through my bank we had removed these fraudulent charges. Then they began again in XXXX and XXXX totally over {$4000.00}. The most recent ones are just this lack week while I was traveling for work in XXXX and while my bank is working diligently it has been an ongoing problem I can not seem to remedy. I have contacted XXXX and they only say we have no record of you in our system for any services. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Employment Data Reported : Employer Name : XXXX Date Reported : XX/XX/ Position : Broker The the Date Verified of XX/XX/2008 is correct. 
The position of : XXXX is correct. 

The Employer Name : XXXX is incorrect. 

Its spelled XXXX. 
Its supposed to say XXXX. Not XXXX but XXXX XXXX XXXX stands for XXXX XXXX XXXX XXXX 
Please Correct.
Product: Payday loan, title loan, or personal loan

Today, I was told I was approved for a loan and I signed the contract. However, after I signed the contract I never received another email and the funds were never deposited into my account. 

I contacted the company and they provided the following response : Although you were initially approved by our automated review, our underwriting team takes many factors into consideration other than cash flow prior to final approval for funding. Unfortunately, you didnt meet our funding criteria to proceed. Thank you for considering us for your financing & good luck with your gig ventures! 

Best, Giggle Finance