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

I got this loan due to a need to get groceries and now I am having trouble paying the loan back as I am on ssi but they automatically take payments out of my bank account every month. I did an online chat today and asked about getting another loan after paying off my current loan and then asked if some of the fees for my current loan could be waived. Here is their answer : You are connected. 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if they fees are less or not? 
XXXX  : Welcome to XXXX. My name is XXXX. How may I help you today? 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if the fees are less or not? 
XXXX : I can take a look at your account and assist you. 
XXXX : Before we proceed I need the telephone number that is associated with the account and your state of residence. 
me : XXXX me : Tx XXXX : Can I get your first and last name please? 
me : XXXX XXXX XXXX : XXXX I please verify the laXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  month and year of your birth? 
me : XXXX XX/XX/1981. If you just said all that in XXXX XXXXe it would've been quicker. 
XXXX : Thank you. You need to payoff your existing loan before you can apply for another loan and yes there is always fees and interest to reloan. 
me : I know that I was not asking about my current loan, I just wanted to know, if I did or when I do decide to apply for another loan if the fees are less than in my current one  or not. 
XXXX : It's gon na be the same rate. 
me : Ok, then I will not apply for a new one when I pay off my current loan. 
XXXX : Alright. have a great evening. 
me : Is there any way I could waive some of the fees or one payment? 
XXXX : The payoff amount as of today XX/XX/XXXX is {$170.00} and I am unable to waive the fees. 
me : ok. 
Here is the payment schedule and dates for my current loan : PAYMENT SCHEDULE No. Payment Date Payment Amount 1 XXXX {$100.00} 2 XXXX {$100.00} 3 XXXX {$100.00} 4 XXXX {$100.00} 5 XXXX {$100.00} The amount of the loan was only for {$220.00} and I feel all these fees are way too much and they aren't even reporting it to any of the credit bureaus.
Product: Credit card or prepaid card

I opened a card with CapitalOne and began using the card. I go to use it and out of nowhere it is " restricted ''. I called and asked what was going on and I must say the customer service leaves a little to be desired. First representative say there is nothing she can do and I just need to wait for a call. I call again the next day and that representative asks if I have sent the documents yet, to which I ask " What documents? ". She tells me they need XXXX months worth of bank statements ... .ok. I get a link to upload them at and it says " proof of payment ''. I call back advising them this is a brand new account and I have yet to make a payment. She says it is the verify my income. I sent the documents requested and my account is still restricted.
Product: Money transfer, virtual currency, or money service

I have reached out several times to the companies involved to send validation for these fraudulent accounts that were open without my consent and they have not furnished these documents. I am having difficulties opening up bank accounts due to this. Persuant to 15 US 1681, the information being reported is incorrect and therefore must be removed. If these items are not fixed and removed, XXXX intent to sue.
Product: Credit reporting or other personal consumer reports

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
YNCBXXXX XXXX  XXXX XXXX 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
Product: Checking or savings account

I opened my TD account with the promotion of XXXX USD for XXXX Direct deposit, however XXXX months past i never receive the money, I went in branch they told me the staff who opened my account left and can not verify do i really qualify for this promotion, This is a scam
Product: Student loan

Citizens bank has been reversing my payments, and making me pay late fees on pretty much every payment I have ever made to them. My auto-debits are always un-enrolled when I check the website, no matter how many times I re-enroll. Even if I make a manual payment they just reverse it and charge me a late fee. This has costed me hundreds of dollars, and lowered my credit by MORE THAN 60 POINTS. My transaction history on their website shows this has been going on since at least XX/XX/year>, but it has possibly been going on for longer. This has gone on so much that even my dad who is my cosigner had his credit affected. I have even tried deleting my bank information and inputting it again, but it still reverses my payments every single time. Neither my insurance or car payments have any trouble charging my bank. I have talked about this to support and all they said was " Oh, yeah we've had a lot of people having trouble with auto-debit recently '' which makes me think they've been stealing a lot of money from people.
Product: Student loan

I am writing to voice a complaint about the loan servicing I have received from Navient. On XXXX XXXX XXXX, five days before my loan payment was due, I made a call to Navient and started the conversation by saying I can not afford my payment. The representative explained that one option was a program that would lower my payment for one year. However, since I was also enrolling back into full-time schooling during the same month, the representative explained that one year program to lower my payment was not the best option, and that my in-school status would cause my payment to be in defferrment for most of that one-year time span and after enrolling, my past due payments would go back into defferment. Since then I have received multiple collection calls daily, with different representatives telling me different things about the status of my payment. I made several very big life decisions about continuing my education based on information I received from Navient during that original conversation BEFORE MY PAYMENTS WERE DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX there was fraudulent transactions to the amount of {$400.00} and on XX/XX/XXXX another total of {$730.00} was fraudulent transactions made as well with out my permission!
Product: Money transfer, virtual currency, or money service

My formal landlord used to ask the tenants to pay their rent using Zelle. What I ended up noticing is that I was being charged a fee for sending money from my account to his. There was even a time when it didnt prompt me to check the number I was sending the payment to and I mistakenly sent it to someone else. The bank would not assist me at all with the reversal of the funds, basically told me it was my loss. {$750.00} that I didnt get back. I even reached out to the person who I mistakenly sent it to and ended up being blocked. No action was taken by the bank at all. I was told I needed to be more careful next time.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized SANTANDER CONSUMER USA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On   XXXX   XXXX   I (  XXXX   XXXX   ) a nd my wife  (   XXXX   XXXX   ) went  to a  Wells Fargo Branch  in  XXXX   XXXX  Texas off  XXXX   XXXX  to withdraw funds that showed available in my wife 's savings account. The money is from a insurance claim for damages to our home. We waited for the funds to become available before contacting the company to fix our roof. We were told that there was an error and that the funds could not be giving to us because the check was not properly endorsed. So I asked why did the check get process and the funds show available in the account if they knew it was an error? The lead of the teller whom would not give us her name when asked she blamed the ATM for the error but I kept asking whatever who ever the error why was the check process and funds made available if it was an error. The tell kept repeating the same issue. She then accused my wife and I of trying this at another  Wells Farg  XXXX  bank and was trying it again to try and withdraw the funds. I insure the tell that this was not the case. We needed to withdraw funds that show available in my wife 's savings account to pay the roofers. They told us to contact our insurance company ( who is thru  Wells Fargo ) and get a let ter for them authorizing release of funds. My wife and I understand the reason but want to know why the would process a check if they knew it was in error?
Product: Credit reporting or other personal consumer reports

SINCE NOTIFYING TRANSUNION OF INACCURACIES AND SENDING PROOF OF THE CORRECT INFORMATION PER XXXX XXXX XXXX, TRANSUNION IS CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION CONCERNING MY PERSONAL INFORMATION. SINCE FILING FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block ; NO RESPONSE HAS BEEN RECEIVED FROM TRANSUNION, ADDITIONALLY, TRANSUNION IS CONTINUING TO UTILIZE NON-MAILABLE ADDRESESSES. TRANSUNION IS IN VIOLATION WITH THE FCRA REPORTING GUIDELINES REGARDING ACCURACIES IN REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letter from XXXX ( see attached ) stating that disputed Bankruptcy was investigated and removed from my XXXX report. On XX/XX/XXXX I sent a letter ( see attached ) to Transunion disputing the SAME Bankruptcy appearing in my Transunion report. I received letter from Transunion dated XX/XX/XXXX ( see attached ) stating that they verified the bankruptcy, On XX/XX/XXXX I mailed a letter ( see attached ) to Transunion requesting how bankruptcy was verified and demanding address and phone number of entities used to verify the bankruptcy. This letter was sent using USPS tracking XXXX and was delivered to Transunion on XX/XX/XXXX as confirmed by USPS tracking service. As per the FCRA paragraph ( 7 ), A  consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion had until XX/XX/XXXX to respond to my request to provide the sources that verified the bankruptcy and failed to do so. I received a letter from TransUnion dated XX/XX/XXXX ( see attached ) with Response that does NOT include the sources they used to verify the bankruptcy. As of XX/XX/XXXX Transunion has failed to provide me with the sources they used to verify the bankruptcy. I demand that Transunion either A ) remove the bankruptcy from my report immediately or B ) provide me with addresses and phone numbers of all sources used to verify the bankruptcy information being disputed so that I may correct the information with the source they are using.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

A credit building company called self was supposed to help me build my credit I never gave them any money and I never opened an account but yet they have an account saying I owed {$720.00} and I never want to received any services for them or from them nothing I don't understand how that can go on my credit when I never signed anything I never send a picture of my ID to anyone I didn't do anything to have that on my credit
Product: Credit card

I had 2 capital one credit cards in XXXX or about then. In XXXX I lost my housing, and capital one continued to send my statements to my previous housing and then defaulted statements to a family members home that was previously listed on my credit report although I was unhoused and living in my car. Someone, I'm not sure whom, made multiple fraudulent charges on my two accounts, many online purchases. Eventually the accounts were closed for non-payment by this person ( s ). One account was sold to XXXX XXXX XXXX and one stayed in house with capital one. I contacted capital one about both accounts multiple times once I was on my feet about the fraud and their negligence. I contested at the credit bureaus. Capital one sent me statements to tell which were fraud transactions, but I have told them multiple times I don't know because it was so long ago. Capital One supposedly " investigated '' and closed the investigation with no adjustments or even any communication to me since. I have the statements and many are in places that I never went. It's obvious there is fraud. Their Reps state they don't have access to old accounts but it's listed in my accounts on their app still.
Product: Checking or savings account

Citizens Bank has the below statement on their website. But when I contacted them to ask for a refund over {$300.00} fees, which they have charged me over the last week, I was told no because they have already refunded fees on my account. We are, however, still in the middle of a pandemic crisis. Why have messages like this on their website when they are only willing to help when you feel like and not when it is needed? Why are they allowed to continue being so financially predatory during time like this?

This is the statement on their website : If you have been impacted by COVID-19 and are facing financial hardship, please reach out to us to discuss the ways we can help provide relief to you.

For Consumers : Payment assistance for up to 90 days ( varies by product ) with no credit bureau impact ( Auto, Credit Card, Mortgage, Student Loans, Home Equity Loans, Home Equity Lines of Credit ) Late fee waivers ( Auto, Credit Card, Home Equity Loans, Home Equity Lines of Credit, Mortgage, Student Loans ) Home foreclosure suspension for up to 60 days : This is automatic ; there is no need to contact us Overdraft fee waivers and service charge reversal Early CD withdrawals without penalty Auto repossession suspension : This is automatic, there is no need to contact us If you are in need of assistance, please contact us. Please note that we're currently receiving higher than normal call volumes as we help our customers through this difficult time. To expedite service, please identify yourself using your account number. Thank you for your patience!
Product: Student loan

My student loan servicer is Aidvantage, and I have been trying to get them to honor my automatic enrollment into the XXXX XXXX, as I was previously on the XXXX XXXX. They are telling me I am obligated to re-apply for XXXX, and will not honor the fact that my loans were in XXXX all through the pandemic. 

I most recently certified for XXXX  in XXXX, receiving confirmation from XXXX XXXX on XX/XX/XXXX that I was in the XXXX plan, and that my payment would be {$430.00}, first due on XX/XX/XXXX. During the pandemic, I paid down my loans considerably. Even paying them off for a short period of time. I required that money back, and so asked for Aidvantage to return the payments I had made on XX/XX/XXXX. 

With my loans re-instated at Aidvantage, they now have my monthly payment amount correctly carried forward into the XXXX XXXX  - I owe {$380.00} per month which is in line with my expectations of the XXXX XXXX XXXX adjustment. However, they have my loan payment plan as " 10 Year XXXX XXXX ''. 

I have called and messaged them multiple times asking that they change my repayment plan in the system to SAVE, since clearly they have calculated my payments. I also read them the following section from studentaid.gov - " Were you on an IDR plan before the payment pause began? If so, you will stay on that same plan when payments restart ( unless youve changed repayment plans since then ). '' ( XXXX XXXX XXXXXXXX ). 

Despite me sending them that information, they have told me that I am obligated to recertify for XXXX, and would not provide a reason why. 

As a result, I am not receiving the interest subsidies under the XXXX XXXX, costing me thousands every month. Also, the payments I am making will not count towards XXXX forgiveness.