23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to XXXX XXXX in XXXX. We signed my daughter up for gum treatment. Before signing the contract after explaining to the office manager who initiated the signing of said contract that my daughter does not live locally and I her mother whos name is on the contract would pick up the finished gym treatment after about an estimated week or so. The office manager stated yes I, XXXX XXXX can pick up the item when called. I received the phone call to pick up said item and was told I could not pick it up. I then told them to cancel the contract due to the false representation and false information given by the office manager of the location. The representative on the phone said that they would note it to the account. I realize it was not noted continued to contact, said office manager with no response. I have made attempts to go to the location and said manager is always on lunch or unavailable. This has continued to turn into a game for the office manager with threats and lashing out as to not doing her job and falsifying information. This contract has been voided and canceled. A week after it was open. I have reached out to Sunit several times and have spoke with several representatives regarding this account. I have not claimed ownership of this account and repeatedly explain the situation and what happened and no services were rendered. I have never received the gum treatment. I repeat I have not spoken to send it regarding this account in taking ownership of the account
Product: Prepaid card

On XXXX XXXX, 2015, I used my American Express Bluebird card with an available balance of {$950.00} at the grocery store. The card was run through the terminal XXXX ( at {$140.00} per transaction ) and were both declined. Cashier was able to handkey and the amount was approved. XXXX XXXX, 2015, contacted American Express Bluebird and was told that I will not be getting the money credited for XXXX days, and was told to contact the merchant. XXXX XXXX, 2015, contacted the merchant and they investigated the matter. They stated that the transaction was declined by American Express Bluebird for lack of available funds. I contact American Express Bluebird again, and was told that due to their " internal '' system update, they will not give me a credit for XXXX days. Their service agreement does state a hold on certain purchases for gas, hotel, rental cars and so forth. However, their service agreement does not mention decline payments and holding funds because of these declined transactions. I did indeed have the funds in my account, because when it was hand-keyed, it was approved. This is fraud. American Express Bluebird is now using the guise of declining payments to steal money from customers. {$280.00} may not be a lot to some people, but it can be life or death for others. When the system update was implemented, the consumer was not notified by either email, text, or notice on the website, mobile APP, or social media. A police report for fraud and theft is now being processed by the local police department. I 've read their service agreement and in no way is there a information on holding available funds in the event of a payment decline. The merchant was not at fault, and their terminal was working. According to this merchant, this is the XXXX customer complaint in one week they have received regarding American Express Bluebird.
Product: Credit reporting or other personal consumer reports

I call XXXX on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX  format any photos or upload in XXXX  format This is a stall tactic.
Product: Bank account or service

I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, Experian continues to lace my credit report with false entries and information-violations of FCRA. 
1. XXXX XXXX was closed by me on XX/XX/XXXX. Remove balance as it is XXXX. It was closed by me and charged of XX/XX/XXXX by XXXX XXXX. Remove comment by Experian. Remove balance. There IS NO BALANCE!!! Remove the 120 days. I closed this on XX/XX/XXXX. Knock it off!! Consumer fraud by Experian and XXXX XXXX. 
2. XXXX XXXX and XXXX XXXX are missing payments. Today is XX/XX/XXXX. Report up to date account history for both. 
3. Inquiries shared with others. XXXX Card to record until XX/XX/XXXX. Delete it. XXXX XXXX is listed twice-double-delete both. 
4. Inquiries shared with only me. Delete all old inquiries-2 years old or older. 
5. Delete Notices on back page. Credit and Debt Counseling Services have nothing to do with me. This is MY PERSONAL ADDRESS!!!!!!! Delete all of it!!!.
Product: Debt collection

Aldous & Associates have intentionally attempted to harrass me. The company has called multiple times and when I answer there is a prerecorded message demanding that I call to make a payment. I have advised several representatives to stop calling. Every time I block XXXX number they start calling from another number. This company has called me during my work hours. They have called me while I am in bed going to sleep. They have made this matter a complete nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has accounts that are over 9 yrs old on my credit I been disputing them and equifax does not do anything just leaves them on understand investigation and its been 90 days equifax needs to take these off of my credit if the companies dont respond its well pass the time frame to respond and to be on my credit
Product: Credit reporting or other personal consumer reports

Requesting documents 1099 XXXX form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed
Product: Credit card or prepaid card

I was approved of a Citi XXXX credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. 
The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. 
On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. 
I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. 
This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.
Product: Student loan

I have been repaying my loans since I graduated from XXXX XXXX in XXXX. I have had no issues with any loan services prior to MOHELA. I worked for the government so I am on an income driven repayment and have been on this since graduation. Every year I recertify my income, get new payment amount and pay accordingly. This changed with MOHELA. On XX/XX/XXXX I submitted my application for the SAVE program and recertified my income for the post-pause IDR plan. they failed to process either and unilaterally switched all my loans to a level payment plan without my authorization and with no communication they were going to do so. The level payment was over $ XXXXmonth. I have called twice in XX/XX/XXXX, again in XX/XX/XXXX, 3 times in XXXX and every week beginning XX/XX/XXXX. MOHELA has failed to place all 9 of my direct loans in administrative forbearance while they find the staff and/or resources to process the SAVE application. Each call is an unreasonable hold time for anyone with a job ( averaging over 50 mins per call ). Each call is a statement apologizing for the delay and saying my only option is to suspend auto-debit and lose interest rate reductions while they sit on the unprocessed application. The most recent call on XX/XX/XXXX the agent indicated she was suspending the auto debit against my express direction not to do so. They can not provide any explanation for why all loans are not in forbearance and actually had two of the loans miscarried as a Parent Plus Loan until a supervisor reviewed the promissory note to confirm it is in fact a XXXX XXXX loan that should have been placed in forbearance with all others. The request to fix their error had not been corrected and they continue to take payments for loans that should be in forbearance until they process the application. They have failed to respond to electronic messages via their secure portal expect for boilerplate responses indicating we see youve called customer service and will assume this issue is resolved. They denied my authorization to provide information for a complaint I filed with the XXXX. When you ask to speak with a supervisor they either hang up on you or transfer you to a mailbox to leave a message but a supervisor never returns the message. I just want to determine the accurate monthly payment under the SAVE program ( which the federal loan simulator can do in real time! ) and resume making my payments to count towards the 25 years of on time payments and MOHELA is preventing this. If I had known the SAVE application would have triggered this I would have never applied for it and just stayed on the IDR plan. As far as I am concerned the SAVE program and MOHELAs failure to admit applicants into the program is a scam. The increases in interest on the loans for the 5 months of processing benefits no one expect MOHELA. I need help! I have tried everything short of filing a lawsuit against them. How was this entity selected to handle billions in federal student loans? How has a class action lawsuit not been filed against MOHELA for their inability to accurately administer the federal student loans?
Product: Checking or savings account

I contacted chase asking them to provide me documentation on why my account was closed till today Im still not told why my account was closed.
Product: Debt collection

Navy Federal Credit Union claims because of credit card debt that they have my authorization in purpetuity to complete automatic withdrawals from my checking bank account ( Member ID XXXX ) I notified the creditor in about 2019 that I no longer authorize withdrawals from my bank account especially since funds were for mortgage and auto loan payments. NFCU keeps withdrawing funds from my account ( hundreds per transaction ) AFTER I told them that they no longer have my permission to make withdrawals.. Unauthorized funds withdrawals by a debt collector is a blatant violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and or the Electronic Funds Transfer Act ( EFTA ).
Product: Mortgage

In XXXX, we purchased a townhome in XXXX, VA for {$500000.00}, with {$99000.00} down payment. We had financed {$400000.00} at XXXX year ARM of interest-only loan at 5.00  % interest per year. 

In XXXX this loan was modified under Obama administration to Step-Modification. 

XX/XX/XXXX - the Loan was refinanced @ 4:00 % for 1 year XX/XX/XXXX - &@ 4.980 % for rest of 29 years, till Maturity date of XX/XX/XXXX. 
Making it a Conventional 30 years mortgage at 4.980 %. 

Loan modification documents say that the interest + principle to be paid for amount of {$1600.00} per month. 

we have been making payments without missing a single payment for the life of this loan. 

The Issue We believe that the mortgage companies have NOT applied proper distribution of interest & principal over the life of the loan. 

In XX/XX/XXXX, the mortgage distribution had applied {$22.00} and {$1300.00} and the balance of the mortgage left on the home was XXXX After 10 Years of paying Principal in XX/XX/XXXX, the mortgage distribution had applied {$77.00} towards the principal and {$1500.00} for interest and the balance of the mortgage left on the home was XXXX If this is a 30 year conventional fixed loan 4.980 % & all the documents that i have say it is, my principal should have reduced significantly more in past 10 years than just {$11000.00}. 

The question to mortgage company is why isn't my principal payment applied correctly. 

When i call the company they say : Trust us, in few years you should see more towards principal but they are NOT willing to provide " Truth in Lending '' statement for modified loan, or any Amortization schedule for any future payments. 

I have already paid approx. {$190000.00} in interest over past 10 years. Even after paying 10 years, we have no equity built in our home. It seems that that interest portion of the mortgage is withheld at a lot higher percentage than it should be.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 at XXXX I called TransUnion to asked to speak to the fraud department. Once connected I explained how TransUnion is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to TransUnion as the other agencies and the Public Record has since been removed. The agent at TransUnion proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.
Product: Student loan

I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. 

I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in  full until I heard about the lawsuit against the company for misguiding borrowers. 
Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attachments thoroughly. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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. 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I completely disagree with the response to your investigation. The following incorrect items are still present on my credit report, even after your investigation. I request that these items be reinvestigated immediately and with good cause. These inaccuracies seriously harm my credit rating. 

1. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Please explain how you verified this account when it has already been paid. I had an agreement with the original creditor to DELETE once paid and that has not been done. 
XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please DELETE immediately. 

9. Please provide your method of validation on how you validated this account when it has already been SOLD and TRANSFERRED to another lender. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

10. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a closed and CHARGED OFF account. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

11. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a COLLECTION. 
XXXX XXXX XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately.
Product: Vehicle loan or lease

This item is being reported on my consumer report by XXXX as a charge off, even though it was previously deleted by XXXX and XXXX. I dont understand how XXXX  is validated this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax and XXXX XXXX regarding account # XXXX XXXX XXXX on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

In XXXX of 2022 my SSN was compromised, my debit card which is set up to make payments for Kohl 's card was compromised therefore making my XX/XX/2022 late. My back froze and canceled my activities during the week of compromise. The comprise of my SSN took place on a holiday weekend, therefore resolving my issue with my bank due to compromised SSN further delayed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : XXXX XXXX ending in XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I took out a private student loan from XXXX back in XXXX I was young and was advised by my then University to apply for a student private loan as I would not have to repay it back until I graduated. I was so unaware of what a variable interest rate was and regret every taking out this loan. The original amount of the loan was XXXX. I believe my first payment was in XXXX of XXXX. I've paid a total of XXXX dollars since XXXX I came to understand this recently while working with a financial advisor as we wanted to invest in our kid 's future. My brain was so locked and this payment just became part of my life and I never questioned it till now. I NEVER once was told what a variable interest rate was at that age. This interest rate has fluctuated within the years that I've paid the loan once already and will continue to pay this loan till XXXX! I've called NAViENT who is currently servicing the loan and explained my concerns. I've spoken to supervisors and as soon as I mention this predatory loan they either hang up or tell me I knew what I was signing for when I got this loan out. This is the only thing I regret in my life if you ask me. It's haunting us till now. This was a predatory loan advised by my school to get, and granted to me by people who knew what they were doing. I really hope someone could help me out!
Product: Debt collection

XXXX XXXX  failed to marked collection on my accounted as disputed after I sent them disputed letter.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX nexis who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.