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

Make long story short, I visited XXXX XXXX on XX/XX/year>, I bought XXXX ticket at the ( XXXX ) XXXX XXXX XXXX unknown lady was trying to help me with the machine getting my train ticket, i used my Citibank debit card and pin to get the train ticket, boarded my train to my destination, when exited the train at my destination my Citibank debit card was stolen. I contacted Citibank immediately to block my card but already had purchases and cash withdrawals almost XXXX XXXX dollars, i went to the local Police station and report the incident and given Police report, I return back from my trip went to Citibank many times to report the incident they contacted the billing and dispute department also give them the Police report, Citibank customer service rep said will be one week and Citibank will sent letter in the mail. Citibank sent me denial letter in the mail, went back to Citibank the same rep did again same process again after one week next denial letter, i took it up to myself go back to Citibank spoke to Branch Manager concerning the XXXX stolen debit card incident, she took all my documents and the Police reports and said she will take care of it, weeks later i called fraud and billing dispute department and asked about my case they said don't have any documents and my request for any credits is denied. I call again spoke to person from billing and fraud department and they requested all documents and police reports because all this time before they never received anything from Citibank, still got denial letter from Citibank, i requested how they based there final decision in this case and requested paperwork on the investigation been over month and Citibank haven't sent any correspondence by mail or email
Product: Credit card or prepaid card

Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!
Product: Mortgage

Hi, After a lengthy conversation with another PHH representative this week. I was informed that my new case manager XXXX ( United States based/English Speaking ) would be giving me a call today to share findings, negotiate a solution and clarify issues. 

No one called me .... 

I am concerned that this matter is not being taken seriously, I have never spoken to the same representative twice. 

XXXX, the original case-manager is highly negligent, profoundly unavailable and has trouble conveying any real answers. I get constantly told each week there will be a solution. 

What kind of company sends out letters threatening foreclosure as a scare tactic and doesn't follow up with their clients. I have a call log of nearly 300 phone calls to PHH. 

I highly recommend that you close your off-shore call center and provide clients with representatives that are not only invested in support US clients but have the skills set, linguistic and cultural competence, respect, compassion for their clients served. 

Please address immediately- there have been not results from this. 

Thank you.
Product: Bank account or service

A check was written to the Franchise Tax Board for the State of California in XXXX XXXX. It was stolen from my mailbox and altered to a fictitious name : XXXX XXXX and was cashed at a XXXX XXXX ATM in XXXX XXXX XXXX. I was informed that I had not paid my XXXX XXXX quarterly state tax payment by the Franchise Tax Board in XXXX XXXX. Upon hearing of this, I immediately contacted Chase Bank ( with whom I bank ) and informed them of this. Since then, an affidavit of Unauthorized Endorsement or Altered Item Form was completed. A police report was also filed. 
I was informed by Chase Bank that these funds were not recoverable because this was noted and filed outside the bank 's 60-day recovery time frame policy. The fact that this was clearly an altered and stolen check was never denied. The check includes my social security number as this is what the California State Tax Board requires. This is not typically on a check written to any entity other than the government. 
A formal complaint through Chase was filed and a local branch manager also worked through the corporate chain to file a complaint to help me recover the funds. I was informed that because it was outside the 60-day recovery time frame, I would not recover any of the {$4000.00} that were stolen from me and also stolen from the Franchise Tax Board. 
The difference with this case is that the Internal Revenue Service and the Franchise Tax Board works a year behind. They often do not inform of delinquent payments until a year later. Also, it is important to note that this can directly impact my ability to work. I am a XXXX and the State of California Licensing Board sent a letter to California XXXX stating that if the State taxes were not paid, our licenses would be revoked. This check being stolen from both me and the State of California has put my livelihood at risk and also my potential ability to pay future taxes. I can not pay my taxes ( especially if anything is owed ), if I am unable to work. Moreover, I am a XXXX in a country where we have a shortage of XXXX. XXXX. There is also a nationwide shortage of XXXX who care for XXXX XXXX. If my license were to be revoked, this could potentially have a direct impact on their health until a replacement for me was found. 
In conclusion : this is a check written for the State of California and the Franchise Tax Board operates a year behind. Also this checked has clearly been altered but it was noted until a year later because of the specific entity to whom it was written. This delinquency could have an enormous negative impact on my ability to be a productive member of society as paying my state taxes is directly linked to my ability to have a state license in good standing. Therefore, it is my request that the decision to recover the stolen {$4000.00} be re-evaluated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently contacted Transunion, XXXX, and XXXX and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB for Equifax, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Equifax is still reporting a company that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Equifax is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

Our forebearance of one year ended in XX/XX/2018. The anount of {$370.00} was due each month and I never missed a payment. I made a call to Navient to extend the payment amount ( {$370.00} ) due to the fact that the student is still not working and that I, the co-signer am on a fixed income. 
I gave all my financials again and was told there should be no problem, a supervisor had to approve it and the student had to be contacted. 
Navient contacted the student and told him he had to pay {$490.00} a month, never including me in the repayment schedule. 
I immediaely called Navient to again explain my financial situation and that the student is not working or paying this loan and was told it was too late. How can Navient negotiate with a person who has no means of of financial support and disregard the person who is paying the loan? 
As far as I'm concerned they practice predatory lending and should be held accountable.
Product: Debt collection

I received several phone calls from a ADS company stating that I owed money from an old Wells Fargo account which turned out to be around {$96.00} they stated that the amount was XXXX something dollars after I told him that I didn't know old {$9000.00} they told me they were gon na go ahead and follow a lawsuit with the state XXXX XXXX XXXX  court and go forward and do a lein on my account. They had all my information all my known address zip code address even my social security and they wanted me to go ahead and pay them fee of {$900.00} to remove the XXXX ' they went ahead and charged my XXXX account and took away the money
Product: Credit card

i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. When I checked my report as I normally do, I was surprised to see unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents I have submitted to ensure I never have to deal with this concern again.
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 XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX 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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Equifax/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Money transfer, virtual currency, or money service

Reference Number : XXXX I have been scammed out of my money. I paid approx XXXX dollars to transfer to a business in XXXX. The money never reached the vendor. I had to pay the vendor a late fee and from my credit card. 

When I contacted Remitly for a refund, they refused to help. Then I was given a run around for DAYS, where no one would ever call back. This is a substantial amount of money for me. 

I can not believe how often I have been hung up on, " transferred, '' and/or asked to wait for a callback. My money never reached my vendor- I need it back, plus the late fee they cost me.
Product: Vehicle loan or lease

We had financed a vehicle (   XXXX   XXXX   XXXX  , VIN :   XXXX   ) through ally Financial, and then refinanced through   XXXX   XXXX   XXXX   XXXX  . After the refinance had commenced the loan balance to Ally Financial had been satisfied. However Ally took one final loan payment for {$370.00} after the loan balance had been satisfied. Upon contacting Ally financial, they had acknowledged that the final payment was, in fact, received by them. However they stated that they were unable to assist in the returning of the final payment ( {$370.00} ) and advised to contact the financial institution from which the funds were drawn. The financial institution (   XXXX   XXXX   XXXX   XXXX   ) was unable to reverse the payment as it was authorized at the time it was removed.
At this Juncture Ally Financial still is in possession of the remaining payment {$370.00} and is unwilling and unable to process any sort of refund, by any means. I am requesting that the CFPB contact Ally Financial and that the overpayment be remitted by check.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a home loan and was informed that there is a collection item on my report. Its is on Equifax. It shows I have a collection item through XXXX XXXX in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through Equifaxs wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for Equifax but was unable to speak to anyone just got info regarding the security preach. I then contacted XXXX XXXX. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported onXX/XX/XXXX, Opened onXX/XX/XXXX, last activeXX/XX/XXXX and reviewed for 6 months.
Product: Mortgage

My loan was sold to Shellpoint mortgage as new servicer in XX/XX/XXXX. 1st payment was for XXXX which was the fixed amortized payment from the previous servicer. The loan was converted to a fixed amortized payment and note resigned in XX/XX/XXXX. Shellpoint has now converted to a simple interest loan and payment has increased to {$1000.00} accelerating payoff by 5 years. I have escalated to manager XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with promise of resolution but company never completes fixing the error they admit to. Their service reps state they have made this error with other parties but are telling people the previous servicer had made the mistake.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent mail of police report
Product: Student loan

Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me.

I was enrolled for ONE AND A HALF MONTHS, and they're  saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. 

They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. 

They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. 

I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.