23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX ) Barclays out source there customer service dispute department to the XXXX. The attended did not properly take my complaint. 
XXXX ) I purchased a coach airline ticket with XXXX XXXX. I checked in online before my flight. Soon after got an email saying that I can enter an auction to fly business class, It said ill be refunded if I did not win. I entered the auction was charged {$880.00}. I did not win. I was OUTBID. 
XXXX ) I have disputed with the credit card company. All communications are attached. 
XXXX ) I did fly with XXXX coach. 
XXXX ) I tried to also resolve with XXXX XXXX but I am not fluent in Spanish. 
XXXX ) I filed my unauthorized fraud scam with the credit card company, within 30 days from when i received the credit card statement.
Product: Credit reporting or other personal consumer reports

I just received copy of my credit report and found those fraud inquiries below that were used without my knowledge. 

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 DELETE ALL THOSE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} has violated my rights. 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2  ( XXXX ) 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

Good morning, I took out Direct Loans to pay for XXXX XXXX, with the express understanding from the university and the loan servicer ( NAVIENT ) that I would be eligible for Public Service Loan Forgiveness ( PSLF ). A year after I graduated I was advised by NAVIENT to consolidate my loans. This greatly increased the total amount to pay back ( currently ) {$250000.00}, but with the understanding that the total amount was irrelevant because I was told I was definitely eligible for PSLF, so any remaining amount would be forgiven and discharged after 10 years of payments. 

I've been working in XXXX XXXX XXXX for more than 12 years now, however only a few of my previous employers, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are considered eligible employers. At no point during the taking of the loans or the consolidation did DOE or the loan servicer indicate that the XXXX XXXX XXXX I was in would not be eligible. 

Today I have eight years of qualified employment, but recently took a job doing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  work for XXXX. Though the work is identical to direct hires and by all appearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my pay stubs come from a XXXX XXXX, XXXX XXXX and now XXXX. The XXXX XXXXXXXX, I'm told, is not a qualifying employer, so having come XX/XX/10 of the way to forgiveness, I'm now looking at a total of 20 years and or {$250000.00} to pay off. 

My loan was serviced and consolidated by NAVIENT but is now in the hands of XXXX. 

This exact same problem is widespread within our agency ( XXXX ) as thousands of employees receive their pay stubs from XXXX XXXX XXXX. Our Administrators XXXX XXXX and XXXX XXXX brought the issue to DOE and the President 's Office, but found no solution. Staff in my position were advised to contact DOE directly and ask for advice.
Product: Debt collection

I have asked DCN Holdings, Inc. DBA XXXX do not contact me last week, again Monday, XX/XX/XXXX I was contacted by this agency at XXXX XXXX  I told them to stop harassing me, but again they called at XXXX and I didn't answer. I have listed my phone number on the do not call registry since XX/XX/2011.
Product: Consumer Loan

XXXX XXXX represents a " time-share '' company which will not honor its agreement. Have tried numerous time to use their services which we are paying for to no avail.
Product: Money transfer, virtual currency, or money service

I was sending money through PayPal on XXXX to a family member. I clicked on resend this transaction ; as I have sent money to this person in the past and verified that the phone # was there and changed the amount to {$95.00} the amount I was wanting to send. I send the funds and now when I go into the payment the recipient is now an email address. It is a fraudulent email address of the recipient XXXX. This is not the place I authorized the funds to go. I opened a case with PayPal and they closed it stating I authorized the transaction. Which is not true as the recipient has been changed. I tried closing my account with them as I don't want to use their service any longer and was getting an error message. When I contacted Customer Service they said they couldn't close the account due to the outstanding payment. Which cleared my account today. Since they haven't received payment I would say they recipient didn't get the money so why couldn't they stop the transaction and send it to the correct recipient. I'm attaching both the receipt for the previous payment and the current one from  XXXX. I also included a screen shot of the screen showing the correct account when I click on resend.
Product: Credit card

I have a Chase Bank XXXX which is an affinity card with XXXX XXXX. There is an annual fee. I never use the XXXX and this year I called Chase to cancel this XXXX. They want an annual fee paid nevertheless, and now with interest any payment penalties. They have closed the account, but nevertheless insist on payment with increasing interest and penalties.
Product: Debt collection

First I signed a legal agreement with American First Finance, and told them I will not allow them to take direct payments from my bank account, they set it up as auto debt. This was the first legal agreement they broke. I went to my bank and they will stop any attempt at them trying to use my bank account. According to the information I received from the customer service chat I was able to make payment through email. here is that conversation What email can I pay through, I was told XXXX there is no way to pay through American First Financial 's email. I want these guys out of life. they lie, lie and lie. I refuse to continue with them. They refuse to take payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting

XXXX Equifax 1. The Account was Open from XX/XX/2015 to XX/XX/2015, or 3 months. 
2. Moths review shows 12 months 3. There is 12 months of incomplete and unreported Pay History on this account 4. Please verify the Open Date, Closed Date, Months Reviewed, and Payment History XXXX. 5. Either resolve the data issues on this Tradeline, or DELETE the account. 
Equifax , please do not simply delete the Pay History as doing so orphans the record, confirms its incomplete state and destroys my scores. 
Please share an updated, printed report as I do NOT agree to any electronic repors or responses other than through this portal.
Product: Credit card or prepaid card

Purchased a {$50.00} XXXX gift card at a XXXX grocery store on XX/XX/XXXX using an XXXX   card Card # XXXX pin XXXX Used it once or twice. After the last use, the card had a remaining balance of {$2.00}. When I attempted to use it on XX/XX/XXXX, I found that someone had drained the balance. Called issuer ( XXXX ) They advised that it was in fact used for {$2.00} on XX/XX/XXXX at a station in XXXX XXXX, fl that I do not frequent. Contacted XXXX ( retailer ) they would not be able to help me. Contacted XXXX. They said I would need to forward them the ORIGINAL RECEIPT and the card for them to consider a refund. I explained that I do have the original receipt, but I do have a credit card statement showing the purchase on XX/XX/XXXX. XXXX states that this is insufficient. Consequently, here is by complaint This resulted from a lack of security on the part of XXXX allowing for the cloning of gift cards. If these cards had simple security measures ( chips, Pin #, zip code ID, or registration ) perhaps these frauds would not be as prevalent. 

XXXX acquired by Blackhawk network
Product: Mortgage

It appears that the payment was incorrectly applied when I made an early payment. A full month 's worth of interest was charged ; however, the payment was made on the XX/XX/XXXX. Interest was prepaid at the inception of the loan for the five days in XXXX. The interest should be {$620.00} ( 4.75 % * ( 16/360 ) ) conservatively. Instead, the full {$1100.00} was accrued against my payment. Further, my second subsequent payment was made on XX/XX/XXXX and I was charged a fuIl month of interest, which is essentially double-recognition by Wells Fargo. All the interest charged has not been earned by Wells Fargo and should not be charged from future periods. Please let me know if you have any questions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX  : Account # XXXX has violated my rights. XXXX XXXX  shows late payment in XX/XX/XXXX. 

XXXX PAYMENT Web Pay - XX/XX/XXXXXXXX XXXX  PAYMENT Web Pay XXXX XXXX XXXX  PAYMENT Web Pay - XX/XX/XXXXXXXX XXXX PAYMENT XXXX XXXX  - XX/XX/XXXX I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY XXXX XXXX DROPPING XXXX  POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT
Product: Prepaid card

On XX/XX/year> I was trying to make a order at icare gifts for inmates. I had no clue at that time that this was a spoof website. They copied the original website XXXX XXXX 
Anyway I made my order it cost me XXXX XXXX I was transferred to cash app by the fake XXXX XXXX XXXX. I paid for it to a " XXXX '' was the cash sign for this. 
When the order didn't show up I started investigating and that's when I discovered that I was scammed. 
I contacted cash app customer service. I reported the incident to the cash app XXXX and all they say is I need to ask the scammer for a refund! Really? I did and shockingly enough he didn't refund me. Idk how cash app stays in business because they are notorious for ripping people off hence the lawsuit against them. 
I don't know what else to do. I contacted FDIC and they referred me to you.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Consumer Loan

XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that. 
So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 51 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 51 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account NumberXXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX has violated my rights. 

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
Product: Credit card or prepaid card

I opened two current card from current.com. I since requested they be closed. I need written verification these card are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that these inquiries were made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number is : XXXX and name of these fraud inquiries are : 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 XX/XX/XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute is geared towards the five credit reporting agencies, XXXX, Lexis Nexis, XXXX, XXXX, and XXXX. These companies are in the business of running criminal enterprises. LexisNexis and XXXX is in the business of selling personal and private information to XXXX, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and LexisNexis are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Product: Checking or savings account

XXXX  ( now XXXX XXXX ) agreed to terminate my Merchant Service Agreement on XX/XX/15. XXXX XXXX, bank branch officer, was given a copy of the letter terminating my agreement. Since the termination, on a monthly basis, XXXX XXXX has been allowed to debit my account anywhere from $ 40- {$120.00}.

This has added up to between $ 2500- {$3000.00}, the exact amount being difficult to determine. The reason it is difficult, as you will see on my attached document, the bank has made it very difficult to know it was being charged by a third party. This is why it was not picked up till 4 years later. The bank told me that anyone can debit an account and it can only be stopped by the owner of the account. They said take it up with XXXX XXXX. I am contacting you for help.
Product: Mortgage

WasapprovedfortrialmodificationwithmymortgageservicerShellpointMortgageservicing,firsttrialpaymentbeganXX/XX/2019amount{$850.00}.I'veattachedproofwhereIwasmakingtrialpayments.ShellpointMortgageforeclosureattorneyforeclosedonmyhomeXX/XX/2019whileI'mmakingmypayment.Someonecametomyhomeaskingmetoleavemyhome.I'mrequestingthepropertyforeclosuresaleberescindedanddeedtomyhomebereinstated.Shellpointhasbeendifficulttoworkwiththeydidnotapplymymortgagepaymentstotrialpayments,Ihaveattachedmybankstatementshowingfundswithdrawnfrommybankaccount.SpokewithShellpointcustomerservicewastoldtheydidn'treceivemypayments,thatiswhytheyforeclosed.AccordingtoXXXX,ShellpointMortgagethepropertyhascurrentlygonethroughforeclosureREODepartmentbutwasnotsoldtoathirdpartyitisbackwiththeinvestor.TheinvestorisXXXXXXXXXXXXXXXXXXXX,XXXX#XXXX.NeverreceivedcancelationletterformymodificationfromShellpointmortgage.AlsoneverreceivedapropertyforeclosureletterformXXXX,XXXX,XXXXXXXXXXXX.StateofTennesseestatesthehomeowneristoreceive30daynoticepriortopropertyforeclosureofwhichIdidn't..
Product: Credit card or prepaid card

I have a few open accounts that have not been taken off that are affecting my credit score. As well as my score is being lowered due to spending to much on account every month and having revolving accounts is too high when i have asked for a credit line increase. I never miss a payment and I pay my full amount on card off every month. This has also caused me to not be able to open new lines of credit. I call over a year ago now to discuss the open accounts and they said they would fix it but to my knowledge it has not been fixed.
Product: Student loan

I have attempted to make two different payments on my student loans. One on XX/XX/2023 for the value of {$6000.00} and the payment was reversed after a week. It was originally posted to the account and then returned. The same thing happened on XX/XX/2023 when I attempted to make another payment on my loans for the value of {$13000.00}. My account number and routing number of my bank is correct. My loan servicer is Aidvantage. I sent them a request to fix the problem but I have not heard back.