23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I contacted MoneyTree Inc. to ensure that there was no outstanding loans under my name as I had been a victim of Identity Fraud previously with them. I was advised that there was an outstanding account dating back to XXXX. I repeatedly advised that it was not mine, and the rep said she would " dispute '' the account. 

I was then contacted by Dispute Rep XXXX on XX/XX/XXXX by phone. I again explained to her that it was not my account, although she attempted to label it as such. She then began to ask personal questions such as : COMPLETE Work History Father 's Name I answered the questions, and then figured out she was trying to " update '' their system in an effort to make me liable for the fraudulent account. I advised her that I had FTC reports, as well as a few Police Reports outlining that I had been a victim of Identity Theft. At no point was I provided information to help identify the source of the fraud. 

On XX/XX/XXXX, I received a call from XXXX again. She left a rude message " asking '' for the fraud paperwork ( my police reports ). At no point was I asked for a Fraud Packet ( with affidavit ) or provided one. I then called back to the office to submit a formal complaint because of the treatment of this matter. I spoke with a " Supervisor '' XXXX, who advised me that the calls were not recorded. I advised her that due to the abhorrent treatment, I would be filing with the appropriate governing agencies.
Product: Checking or savings account

Hi, My bank stopped to send me debit card automatically after its expiration. I have to call them and they claim they sent it to me. They are not using any kind of tracking number and I can not verify the status of the letter. The same thing happened 3 years ago and I had to wait for two months without being able to access my funds for everyday necessities. They claimed it went to another address and so on. Before that It was fine. I am not sure what is being going on and why? 

Could you please step in to help. 

Thanks Sincerely,
Product: Debt collection

I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law
Product: Debt collection

I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.
Product: Debt collection

On XX/XX/XXXX I visit us collection in person for the fact being I noticed they where reporting on my account after trying to reach them by phone serval times. Before visiting them I stop by the court house who provided me with my eviction documents that stats the amount that was owe to the courts, which is not the amount that us collection agency is reporting to my credit. They informed me they was trying to collect in a judgement, attorney fees and filing. Which was already in place. They went on to say they where not aware of the judgement and my previous apartment complex didnt inform them of that matter however they still intended on collecting on there balance and the previous judgement that I brung to their attention. No one in the office wanted to explain to me why they have the right to try to collect double of what my judgement was stating. So I filed a dispute with my credit bureaus. Just got the dispute back now its even more on the balance. This company is not reporting correct information and I need to speak to someone about this matter.
Product: Student loan

Good afternoon, I have had several issues with Navient last year in XXXX. It was a difficult year for me financially and tried numerous times to reduce my payment on my IDR plan. Several times I spoke to a representative they told me I had to fill out the repayment plan yearly paperwork and send in my W9 's or income verification. I told them I had reached out to the companies I had worked for multiple times and I never received any documentation proving what I made while employed. The whole year I was in a financial hardship and was out of work for more than 6 months ( no work, no income ). I had to take out my 401 ( k ) and all of the money out of my investment account just to survive. I expressed this multiple times via email as well as over the phone with a customer service rep., there scripted answer was to send in XXXX 's tax return but that year I made over {$50000.00} hence the reason in my IDR plan I was paying {$300.00} per month. I just finished my taxes and with both of those withdrawals and what I made by working in XXXX I made roughly {$18000.00}. Once I got into a financial hardship no one would help me out at Navient to restructure my payment plan. Ultimately just to survive in one of the richest counties in California I had to put a holt on paying my student loans. Now that we are in XXXX I went a whole year with a $ 300+ per month payment and was way below the poverty line. Alone the interest on these loans has wrecked havoc and they have accrued so much interest I now owe over {$40000.00}. I need some help here because they wouldn't help me and if you look at my record I have filed several complaints to the CFPB regarding this loan servicer - Navient. The service is horrible and when I told them what was going on and the financial issues in my life I didn't receive any service and nobody would work with me. The math on {$18000.00} for the year is a {$1500.00} per month, add in rent, utilities, food, transportation, insurance there was no feasible way for me to pay that amount monthly and every time I asked for help I would get the same response and turn in my XXXX tax return. This is mind blowing that a company can treat their customers the way I have been treated. On top of that they put me into a deferment plan without my consent. How is that legal? How can they do this to people and get away with it? Somebody at the CFPB PLEASE help me. I really need it!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING WRONG INFO ABOUT ME. 

Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to deposit {$6000.00} into Bank of Americas ATM on XX/XX/year>. The ATM stole {$2200.00} during the deposit process. The ATM printed out a slip telling me of an error and to call a number to report ATM error. I went inside and spoke to the Bank Manager and shes called the number and processed a fraud claim, which the phone representative told both myself and the manager it will take 24 to 48 hours until Im issued a credit while they investigate the issue. I called later on that day and it was then reiterated i should receive a credit in 48 hours and that they would shut down the ATM machine due to the error. On XX/XX/year> I make a police report. On XX/XX/year> I called the fraud department back because I had not received my credit. The representative then told me I had to wait 10 business days which they said was XXXX XXXX to receive a credit. I explained that this is causing a financial hardship on my life after the ATM stole my money. Nothing changed
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a US Bank business account online and had my account by telephone with my documentation faxed. Unfortunately this business account was poorly managed by US Bank right from the start. First, despite being told that i was a sole proprietor they seemed to have opened an incorrect account for me as an LLC. I took some business trips to the XXXX in XXXX and XXXX of XXXX and my card had multiple issues with billing error and duplicated transactions and unauthorised use. I disputed many transactions and informed the bank due to business I was overseas on a very long trip on more than one occasion. Remarkably, US bank then sent forms for some of these to be signed and mailed sent to my US mailing address and these were not received by me until XXXX of XXXX. I faxed back all the forms signed but US bank reversed all provisional credits. Even more problematic was that US Bank then closed my account, restricted access to my funds, and then would not allow me to call the bank and enquire about my money and would not let me file any new disputes or would not let me send police reports to support my legitimate claim. They have also not allowed me access to my bank statements so I do not even know what fraud transactions to dispute if they allowed me to discuss my own account, which they have not done. All of this violated federal and state banking laws and every time I have tried calling to fix this I am given the runaround. US Bank has treated be very shabbily and I am appalled. Moreover, I am owed a refund off not insignificant amount of money from this account.
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : XXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. I am not responsible for this debt, as I do not have a contract associated with this account, and you failed to present me with the original application as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX and XXXX XXXX XXXX is in violation of FCRA, consumer reporting agencies are not suppose to share medical information of a consumer.
Product: Student loan

I have been making payments on a private loan serviced by PHEA ( AES ) and I have been making them faithfully without a missed month in years. However I have been paying MORE on interest than anything, AES is gouging it 's borrowers and I 'm not able to negotiate through PHEA or XXXX who owns XXXX of my loans. This is ridiculous.
Product: Credit card or prepaid card

I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX ( approximately XXXX via telephone ) : I initiated a balance transfer to my XXXX XXXX card in the amount of {$5000.00}. I did this in response to the attached emailed ( sent XX/XX/XXXX, XXXX ). The balance transfer promotion was for 0 % interest for 12 months and 0 % balance transfer fee. The email stated, We will apply minimum payments at our discretion. XX/XX/XXXX, XXXX ( XXXX via telephone ) : I received an email from XXXX XXXX XXXX XXXX that XXXX had reported my account at 30 days delinquent. Subsequently, my credit score dropped precipitously. I contacted XXXX  card services and explained the following : 1 ) I am a full member ( i.e. multiple loan and deposit accounts ) that has never missed a payment.
2 ) I am enrolled in electronic statements and never received any notice in my email or via the mobile app ( which, in addition to being heavily promoted as a user interface by XXXX, is my primary user interface ).
3 ) At no time during the XX/XX/XXXXXXXX call was I told there would be a discretionary minimum payment applied to my balance transfer.
4 ) I have made every loan payment to them on time.
In response, the customer service representative ( who was quite understanding and professional ) explained to me : 1 ) A discretionary minimum balance was applied to my account.
2 ) I was sent statements via the US Postal Service.
3 ) Signing up for electronic statements applies to other XXXX accounts ; however, XXXX accounts require a separate enrollment ( this was never disclosed via my phone calls or use of the mobile platform ).
4 ) In sending those statements they legally had the right to charge me late payments and report me to the credit bureaus 5 ) I was told to call back after XXXX and speak with the Loss Management Department XX/XX/XXXX, XXXX ( XXXX via telephone ) : I spoke with Loss Management and was told : 1 ) I was speaking with the wrong department ; I need to email or write a letter to XXXX 
2 ) They legal have to report any account past due over 30 days.
My complaint is as follows : 1 ) Applying discretionary minimums ( while in the fine print ), is misleading and deceptive, especially when at the time of the balance transfer no mention of one was made.
2 ) When enrolling in electronic statements, but not being informed that XXXX products are excluded and require a separate enrollment is deceptive and misleading. Ultimately leading to a less than full communication of the members financial position with the credit union. 3 ) Being encouraged through advertisement to use the mobile platform, but not being given complete functionality is misleading. I check the mobile app constantly and was never made aware of missed XXXX payments.
4 ) XXXX is intentionally hiding behind fine print to provide the bare minimum service as provided by law.
Product: Credit card or prepaid card

I applied for Citi XXXX card on XX/XX/2022. Somehow the application did not go through and they asked to validate my identify with a mail. After 2 weeks waiting, I finally received the mail and got approved. However, after I made the first purchase on XX/XX/2022 with a small amount, my card was locked. First time I called the customer service, and the agent promised the card was unlocked. I tried again, and it was still locked. When I called them the second time, they said I need to wait another two weeks to receive a mail to validate my identity. They did not provide any other solutions. I told them I was moving to another place soon, and asked if they could make sure to send the mail to my new address. They were confident that the mail would be sent to the latest address without even asking my new address. After 2 weeks ( XX/XX/2022 ), no surprise, I still did not get the mail, and I needed to reach out to the renter in my previous place. I finally got the mail and called them to validate my identity. After answering all the security questions, they were having trouble validating my phone. I told the agent my original phone number was currently unavailable and I could provide another phone number or call back letter when my network gets fixed. She just ignored me and directly locked my account again, asking me to wait for another 2 weeks. Finally, I have to close the account to avoid the {$95.00} annual fee charge because I don't even know if I will be able to use the card or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has been falsely advertising pre-approved credit cards. And I have an one of the victims affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX  Balance : {$0.00}
Product: Bank account or service

This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open Late 120 Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4.00} Charge-off XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$870.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$250.00} Late/Open