23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.
Product: Credit card

Had made a booking for a stay via XXXX. However, the booking was cancelled by the merchant themselves and was never supposed to get charged for the booking per theyre security reason verification. Therefore, I left it alone and was never supposed to get charged to my Bank of America credit card. However, they still charged me for the booking even tho It was supposed to be cancelled and me never actually staying at the property. I submitted a dispute with bank of america, dispute number # XXXX. They provided me with provisional credit but then denied my claim and debited the amount back. The merchants evidence does not show any real concrete evidence that i actually checked in and stayed at the property because i never did as they had cancelled it days before. Not sure why I was still charged. i have attached an email from THE MERCHAnt stating cancellation of the booking and a full refund. Please help recover my money. Not fair that i was charged for something they cancelled and i never received. Thank you
Product: Money transfer, virtual currency, or money service

Order Summary Order Number : XXXX Order Status : Deposit in Transit Your money transfer has arrived! 

The money transfer you sent has arrived. Let your recipient know that it will be deposited in their account soon. 
Order Timeline Money Transfer Created XX/XX/2018, XXXX XXXX GMT+9 In Transit XX/XX/2018, XXXX XXXX GMT+9 Sent to Agent XX/XX/2018, XXXX XXXX GMT+9 not complete.

please help me they don't deposit my money
Product: Mortgage

My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years.
Product: Checking or savings account

I deposited a {$600.00} dollar check from my XXXX account on the XXXX of XX/XX/2021 to my Current Bank checking account. The check cleared and everything was good. On the XXXX of XXXX around XXXX {$600.00} was removed from My Current Bank checking account because the check that I deposited from XXXX months ago was canceled. After speaking with the Current customer service rep she couldn't give me a good reason other then to check to see if XXXX canceled the check. After speaking with XXXX, they have no documentation on the canceled check. They see the funds going to Current Bank but not coming back to the XXXX account. So now {$600.00} has vanished out of thin air and no one will take responsibility. 

Receipt number XXXX
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 : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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: Debt collection

On XX/XX/XXXX I disputed my debt with Jefferson Capital for my XXXX XXXX debt of {$730.00}. They could not verify the debt, the amount owed, the original creditor, or the date the account was charged off/sold. I would like this trade line deleted from my credit report.
Product: Checking or savings account

On XX/XX/XXXX a case was opened against my account by Truist Bank claiming fraudulent activity and the bank closed my accounts. 
The case was opened because I deposited a check payment that had been returned. ' had a second payment deposited for another job that I completed but ye bank decided to hold that check indefinitely just in case there was o request to return the funds. the banne has not given me any additional information nor have they the released the funds to me or have any intention of releasing myfunds. theywill not provide me with more information or reasonable Time frame in which, could expect resolution.
Product: Credit card or prepaid card

While checking my American Express account I noticed there was an additional card in my name. The card had an old credit card number on it and a new expiration date. I previously had this card and American Express sent me a letter ( which I still have ) that they were sending me a new one since the old one expired and I would also get a new credit card number. This was years ago, and I have only been using my new credit card since. 

I immediately froze the card and called American Express to inquire how an old, expired card that they sent me a letter stating it is no longer in use ; the card number is not in use, how that randomly shows up on my account again years later as active. 

After escalating to the supervisor, she claimed they have had problems in their application department where individuals are trying to increase their sales and open a new account under customers name. She also claimed this has been corrected. Obviously, this has not been addressed or corrected and American Express has committed sales fraud in my name. 

The supervisor stated she would close the account and that also concerns me whether or not there was a hard inquiry and when a card is closed, I will suffer a negative hit to my XXXX XXXX. 

This is exactly what XXXX XXXX was guilty of ( among others ) and now American Express.
Product: Bank account or service

This complaint is to address the issue of Wells Fargo breaching a contract on a short-sale that they owned and i was trying to buy. We reached an agreed upon purchase price XXXX XXXX 2016. All parties involved set a closing cost date of XXXX XXXX 2016. Myself and my bank did everything we needed to do to be ready for closing on XXXX XXXX. On XXXX XXXX at around XXXX i received a call that wells Fargo would not show up to the closing unless i came up with an additional {$36000.00}. Needless to say they they were in breech of contract and in doing so have negatively affected many peoples lives because of it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe is outdated and should no longer report on my credit report. It appears to be reporting information that is no longer relevant to my current financial situation.
Product: Credit reporting or other personal consumer reports

INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXX /COMPANY THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED
Product: Debt collection

THIS COMPANY HAS LIED! I sent them a notice to cease all communications as described in the FDCPA and they have responded to the cfpb that they would " honor '' my request and that they were going to stop communicating with me. They lied because they are still communicating with me about the alleged debt, The account goes as follows : XXXX. It is still reporting on my consumer reports which is a violation of the FDCPA due to indirect communication to the consumer. The fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. This company stated that they do their best to ensure that they follow all federal and state laws but clearly I have just caught them lying. I have attached exhibits proving my claim. Please direct your attention to the date they last reported which was a couple of days AFTER telling the cfpb that they would cease communications! This company is predatory to consumers and must be stopped.
Product: Vehicle loan or lease

I am submitting this complaint regarding GM Financials refusal to offer a review of my husbands car loan interest rate and payment terms despite his status as a XXXX XXXX XXXX XXXX. His loan currently has an interest rate of 21.95 %, which is significantly higher than the rates typically offered to veterans by other institutions. Furthermore, GM Financial has refused to negotiate on payment dates to accommodate his financial situation. 

I have made two formal requests by letter and phone on his behalf, asking GM Financial to reconsider the rate and payment schedule in light of his protected veteran status and current financial constraints. During both phone calls, representatives were dismissive, stating that if he did not like the rate, he should not have signed the contract or I should go elsewhere, ignoring the fact that he is a Protected Veteran. 

During these calls, representatives also thanked my husband for his service but maintained that contracts can not be amended, which is both factually incorrect and an inflexible stance given our circumstances. 

I find this treatment highly inappropriate, especially considering that many other financial institutions offer veterans more favorable terms. I am seeking a formal review of his loans interest rate and payment schedule. GM Financials unwillingness to negotiate or provide any veteran-related accommodations has left him in a precarious financial position, despite our good faith efforts to resolve this matter. 

Their refusal to engage in good-faith negotiations, combined with their unwillingness to put anything in writing, raises concerns about their commitment to fair and transparent business practices, particularly regarding veterans issues. It is troubling that, despite my formal letters, I have yet to receive the requested formal response outlining their position.

Specific Issues : 1. Lack of Written Communication : GM Financial has failed to provide any written responses despite my explicit request in both lett
ers.

2. Dismissive and Patronizing Phone Calls : The tone of the phone calls was highly unprofessional and dismissive of my husbands veteran status. Representatives repeatedly stated that contracts can not be amended, which is legally incorrect.

3. Failure to Respond to Formal Letters : Despite sending two formal letters outlining my requests, GM Financial has not responded as requested in writing, raising concerns about their transparency and professionalism. 

Thank you for your consideration and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, USA
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I applied and was approved for the XXXX XXXX XXXX card on XX/XX/year>. The card had a promo for XXXX XXXX XXXX  miles for new customers when spending {$XXXX} within XXXX  months of approval. It is now XX/XX/XXXX and i have yet to receive my credit card after at least XXXX calls with XXXX  customer service and an escalated call with their XXXX. Here is my summary for the attenpts to receive my card : After the XXXX business days was well over for the initial receipt of card, I call customer service mid XXXX and was informed my card was never mailed out. The rep informed me they have no record of the mailing being sent out. They canceled the card and re-issued a new one, standard mail. End of XXXX, well after the standard timeframe that was provided for the replacement, the card did not arrive, I called customer service again and told the same thing, card was never shipped out, this time I was able to get the representative to expedite the card. They stated XXXX business days via XXXX. I waited XXXX or XXXX business days and still no card. Called customer service again and rep told me the same thing, requested to escalate and speak with their XXXX. Managers name was XXXX or XXXX and she informed me there was a note on my account for customer clarification but was unable to contact the mailing associate that noted my account for clarification and told me they were gone for the day. XXXX requested another expedited delivery of my card ( XXXX days via XXXX  ) and told me she would call me XXXX days later to inform me of the status of my card ( whether mailed or not ) and what customer clarification was needed. The interaction with XXXX was held on XX/XX/XXXX. No phone call as I was promised and no card still! I was planning on using this credit card for my familys vacation and the balance used would have been enough to receive the XXXX XXXX XXXX promo. The vacation payment was due on XX/XX/XXXX and because I have not received my card that I was approved for since XX/XX/XXXX, another form of payment was used to fund the vacation. Very dissatisfied with the level of customer service received from the reps and management. XXXX attempts and still no card!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts and inquiries you have reported on my credit file. I have never conducted any business with your company, nor with XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I did not authorize any of these companies to access or report on my credit. This is a clear breach of my privacy and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key facts : XXXX Fraudulent Account : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. After contacting XXXX , they confirmed the fraud and closed the account, as verified by XXXX XXXX XXXX However, despite this, XXXX has inaccurately reported this account on my credit report. 

XXXX XXXX Fraudulent Account and Inquiry : I have never had any business with XXXX XXXX, yet a fraudulent account and inquiry have appeared on my credit report in their name. This is unauthorized and must be removed immediately. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their inquiries on my credit report are fraudulent. I did not authorize these inquiries, and they violate my rights under the FCRA. 

These actions constitute violations of : FCRA ( 15 U.S. Code 1681s-2 ) XXXX and the above-mentioned companies are reporting inaccurate and unauthorized information to consumer reporting agencies. 
FDCPA ( 15 U.S. Code 1692e ) False representation of a debt, as I have no legitimate relationship with these companies. 
FCRA ( 15 U.S. Code 1681b ) These companies had no permissible purpose to access or report my information. 
I demand the immediate removal of : The fraudulent XXXX account and any associated negative information reported by XXXX. 
The fraudulent XXXX XXXX account and inquiry. 
The unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I expect written confirmation that all of this information has been removed from my credit report within 10 business days. If this matter is not resolved promptly, I will proceed with legal action for violations of the FCRA and FDCPA, and I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ).
Product: Checking or savings account

I had deposited two separate checks. I had to wait two different days to receive it. After that, I decided to log in again to check the status and my account was closed down without an explanation at all. I called them to try to resolved the issue. They are stating that need to send a reference letter to verify my identity because number is not verified in the system. I thought it was odd because this is the number i use to verify my account in the beginning of signing up for Citibank.
Product: Debt collection

Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.
Product: Credit reporting or other personal consumer reports

I am desperate to get cellphone service. XXXX uses Transunion and Transunion will not unfreeze my credit. I have called them and gone onto their website with no success. They don't answer their phone- they say I have an account but won't let me in. I clicked on 'Ca n't log in '' and message says they can't help. Cellphone is my ONLY phone service. Freezes are supposed to protect us, but Transunion is making the unfreeze process impossible!!
Product: Prepaid card

On or around XX/XX/2024, I submitted to Bluebird American Express a transaction dispute for services not received. On XX/XX/2024, Bluebird sent me an email requesting additional information in writing and provided me with a form. I filled out the form, as well as, wrote XXXX more pages of additional information and had it professionally faxed to them on XX/XX/2024. Because I heard nothing from them after my submittal, I phoned them to check on the status of my dispute. They were not able to provide me with any other information explaining that their back office was handling the matter. I asked about provisional credit and they told me that I would have to wait XXXX  days. They told me to call them again on XX/XX/XXXX to inquire on the provisional credit. I called them today XX/XX/XXXX and they gave me the runaround around with different invalid excuses as to why I was not approved for provisional credit. One of those reasons was that I had to provide them with a written response and that I did not. I stated that I have proof I did. I then asked for a supervisor. The supervisor confirmed receipt of my dispute but then said there's probably another reason why I was not approved for provisional credit. The supervisor could not give me and reason why and told me I must wait a full XXXX  days. Bluebird American Express is not following the law regarding provisional credit. I also received no notification that I was either approved or denied provisional credit. They are not following the law.
Product: Debt collection

I filed a complaint with XXXX XXXX XXXX as well. 
Statement Read After pulling my report I noticed a collection account owed by COLUMBIA DEBT RECOVERY showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee was and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the XXXX XXXX XXXX telling me that COLUMBIA DEBT RECOVERY sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX If the fraud account was sold to another creditor, why is COLUMBIA DEBT RECOVERY still reporting it?
Product: Debt collection

we had aclose death in our family, I did not look at my statement and made what I thought was my regular payment, I was  XXXX   XXXX  dollars short, not late! I told them i would gladly pay all penilties with my next statement. We have recived constant calls daily, even when we told them to stop calling! We got calls before  XXXX   XXXX  and after  XXXX   XXXX , I have all on my caller Id or I can get a copy of calls from   XXXX   XXXX   XXXX    XXXX   XXXX
Product: Credit card or prepaid card

First time reporting fraudulent charge of {$100.00} was next day after charge. At that time card company canceled our card and hung up on us. We called back and now informed that a letter was sent out the day before the fraud charge and we need to wait for letter prior to any services from card company. Fraud charge was on XX/XX/2023. As of XX/XX/XXXX no letters, no phone calls, nothing. Card company will not talk with us on phone either. We sent 1 registered letter and 2 regular mail to them. We are completely being ignored. We contacted credit report agencies and placed fraud alerts on our credit.