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

Good day, my name is XXXX XXXX and I am currently in XXXX XXXX United States XXXX. I'm writing regarding having my account with XXXX XXXX ( XXXX CC ) and not adhering my account to the Serviceember Civil Relief Act ( SCRA ). I originally entered into the XXXX XXXX XXXX on XX/XX/XXXX as a XXXX, then in XXXX, I switch to active for a few years. Then returned to a reserve status. I had sent in documentation of all this and explained and a detailed letter what exactly is a documentation they are looking at, where to find the dates and type of service Etc. I have been on the phone with them for several hours over the course of this time and to no avail. I feel that is illegal that they are not applying my account in to the SCRA because I had openes my account with them in XXXX when I was a reservist. As you most likely know, the SCRA states that any debt prior to active service must fall under the SCRA and offer a reduced interest rate to all debt Pride active service.
Product: Debt collection

Received a call around XXXX phone # XXXX claiming that they are debt collector and wanted me to pay {$7200.00} i owe to bank of american credit card that was open in 2002. They kept on repeating my SSN # which they have correct and threat to send to XXXX office for legal action.They kept on transfer me to different people and kept on asking the SSN # so they have it right. They pull up my criminal file which was wrong and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from Freedom Mortgage with no correspondence or any other information. I supposed it could be an XXXX refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You
Product: Checking or savings account

Finally found a bank that would allow me to open a bank account Citibank. I deposited {$50.00} process a couple transactions even. I had to check from XXXX XXXX for a refund of my dentures because I had to pay cash {$3500.00} because my insurance company XXXX XXXX was committing fraud with the XXXX XXXX XXXX in XXXX XXXX by approving excessive appointments and assessments which the lowest assessment being {$4600.00} which is still for higher than what XXXX XXXX charge me the {$3500.00}. I had a very hard time finding anybody to give me a bank account so I was pretty happy with Citibank allowed me to open up a checking account well the minimum deposit in an ATM because there is no branch in Iowa for Citibank is {$2000.00} The check again was {$3500.00} I was told by a Citibank live chat support person to mail my check to Citibank Bank by mail XXXX XXXX XXXX in XXXX XXXX Texas and I did exactly that. I called them a few days later to confirm that they received the envelope in the mail containing my {$3500.00} check from XXXX XXXX. They confirmed did they had received my check. They also informed me that they were closing my checking account. They would not provide any information as to why. But they asked me many questions about this XXXX XXXX check even why they were issuing me a check at all I answered all their questions and they told me that they were going to close my account and they were not going to mail me back the check and in fact I've got a recording from last time I spoke with someone up from Citibank they told me that the check from XXXX XXXX in XXXX New York for which XXXX XXXXXXXX XXXX  was a bad check. The same day I received an email from XXXX XXXX of XXXX XXXX who had received the deposit receipt from XXXX which clearly shows that my check was deposited into a an account with the routing number XXXX account number XXXX. Although it's not my account I have no access to it they do not that this check has been deposited I will attach the receipt of deposit from XXXX I will attach the Citibank letter saying they're closing my account and I want my money Citibank is obviously lying because I've got the statement from key Bank the bank for which the issuer XXXX XXXX XXXX with and the bank deposit slip and yet Citibank will not explain to me way this money got deposited into this weird account and claim that they have no check of mine. I want my money now it's citibank 's problem not XXXX XXXX not XXXX XXXX not XXXX XXXX Not XXXX XXXX
Product: Student loan

InXX/XX/XXXX my entire student loan was paid off and I received a letter in regards to the information from the XXXX and my previous lending company. After moving several times during a divorce I found my loan was no longer paid and I was in collections. I made a repayment plan with the original lender who added XXXX in hidden fees. I asked why this was and they explained the original loan amount is used when in default. I signed up for a current COVID income repayment plan as I work as a XXXX  and support a large family. They have recently added an additional {$10000.00} in interest and {$4000.00} within the last month. My original loan was {$10000.00}. I owe {$30000.00} interest which is virtually impossible to maintain and make payments on and more than my original loan amount. Due to being a single mother of XXXX Ive been on an income repayment plan but the interest and charges they keep adding on seem unreasonable. 
I work for a non profit and my loan is eligible for a grant but they switched my original federal loan to a private loan so it is no longer eligible. 
The student loan has destroyed my credit and it is an unreasonable amount of fees and interest to ever possible pay on a {$10000.00} loan. Im at an 100 % interest rate as the company tells me they are able to charge these $ XXXX {$10000.00} fees if I chose to be on an income based repayment program. I didnt read or agree to the hidden fees. I do not see my original loan amount in any documents they supplied me only fees of interest and interest capitalization. No original loan amount even owed. I never went to XXXX XXXX in XXXX either! None of their information is correct.
Product: Credit card

Dispute Resolution Request Unauthorized Charge for Returned Vehicle Account Number : Ending In, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account. 
Transaction Date : XX/XX/XXXX Transaction Amount : {$11000.00} XXXX XXXX XXXXXXXX XXXX # XXXX Merchant : XXXX XXXX XXXX Dear American Express Dispute Resolution Team, I am writing to formally request a reconsideration of a dispute that I initially filed in XX/XX/XXXX concerning a vehicle purchase from XXXX XXXX XXXX in XX/XX/XXXX. Unfortunately, despite providing valid reasons and sufficient evidence, my dispute was declined. I believe this decision is not only incorrect but also unfair given the circumstances of the transaction. 

Background : In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. The vehicle was advertised without adequately describing significant mechanical and structural problems that I discovered after taking possession. These issues were severe enough that they rendered the vehicle unsafe and not as described. Given the significant discrepancies between the vehicles advertised condition and its actual state, I promptly contacted XXXX to resolve the issue. 

The vehicle also came with cockroaches and XXXX XXXX and XXXX  inside of the vehicle making a biohazard. 

Despite my efforts to address the situation directly with XXXX, they failed to offer a satisfactory resolution. Consequently, I returned the vehicle to XXXX and initiated a dispute with American Express in XX/XX/XXXX, explaining that the transaction should be voided due to the merchants failure to accurately represent the vehicle and their refusal to address the discrepancies. 

Present Situation : To my dismay, my dispute was declined, and I have been held responsible for the payment of the vehicle, which I no longer possess. I have now been paying off this vehicle for the last 16 months, despite not having the vehicle in my possession. This situation has resulted in a significant financial burden as I have neither the vehicle nor the funds that were charged to my account.

Request : Given the facts of the case, I respectfully request that American Express reopens my dispute and reconsiders its decision. The basis of my dispute is that I returned the vehicle to XXXX, and the transaction should have been canceled due to the merchants misrepresentation of the product.

I kindly ask for the following resolution :

1. Refund the full amount of the transaction to me. 2. Cease further charges and associated interest on the disputed amount. 3. Provide compensation for the undue financial stress and inconvenience caused by this situation. I have attached all relevant documents, including proof of the vehicles return to XXXX, the original auction listing, and correspondence with XXXX. I am confident that upon reviewing this evidence, you will agree that the original dispute was valid and that a refund is warranted.

Thank you for your prompt attention to this matter. I look forward to your favorable response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputes made through TransUnion, XXXX, XXXX. Several issues were items reappear. XXXX not doing proper investigations for disputed items. List of items : XXXX XXXX  {$1000.00} XXXX {$990.00} paid and closed Possible : {$300.00} XXXXXXXX XXXX {$3300.00} The XXXX XXXX XXXX {$1300.00} These items have not been properly investigated and I haves asked the company to remove numerous of times
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Experian, XXXX, and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Checking or savings account

For the past XXXX  years Wells Fargo took advantage of me in every possible way. They actually overcharged me on many different levels and when covid 19 came XXXX XXXX was forvced closed. 

As a XXXX XXXX who got no help. I was hoping Wells Fargo can actually look back and care what was over charged as now i have a child and we are dirt poor and need that money. 

I have any statements and can provide insight but im in XXXX Oregon and me and my child hope they choose to review back to 1995 or any year.. 

We were good clients we need help. Thank you Accounts Processing thefts of another XXXX dollars XXXX Savings accounts XXXX and credit cards XXXX Account XXXX XXXX XXXX XXXX hot tubbing or tub and tan all the account i was made o get like XXXX or XXXX accounts at that time.. i maybe have XXXX in fees.. total..
Product: Checking or savings account

I received a well written, legitimate-looking email from Capital One on XX/XX/2022 at XXXX which has my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the routing number of XXXX printed at the top of the email. The rest of the email congratulates me on opening this account and provides multiple links to resources, policies, downloading the mobile app, and disclosures at the bottom of the email provide the Capital One phone numbers, hours of operation, and standard important information. I have not now, nor ever, opened an account with Capital One. I XXXX  the number in the email and it returned the Capital One direct customer support line, which leads to me believe this is a legitimate email and that my identity has been stolen. As such, I contacted Capital One 's fraud department and spoke with a gentleman who told me that the only way he could assist me was by me giving him my social security number. Understandably, I was unwilling to give this, and advised him I had my name, email, the routing number or last 4 from the apparent account that was opened, etc. that he could use instead and he hung up on me. Furious, I contacted a local Capital One Cafe, and a lady advised me that fraud can indeed look me up by other information, or that I could go into a local Capital One Cafe for further assistance. I am a single mother of XXXX kids, and on top of that I work XXXX jobs. I don't have time to do that, nor do I live within XXXX miles of one of those establishments, so the request for me to do that when THEY have messed up not doing their XXXX XXXX XXXX  due diligence is laughable. No one will provide me what I need to be able to file a police report, which I am entitled to. I need the XXXX address of the location of who set up the account, information regarding how/when the account was setup, copies of all of the information which was submitted to Capital One to set up this account, etc. Either this company is pulling a XXXX XXXX XXXX XXXX scam and opening accounts for people to meet number goals, or they are assisting someone with fraudulent activities.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score. 

Details of the Fraudulent Accounts : XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with Experian, XXXX, and XXXX regarding these inaccurate entries. 
CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint.

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :
Product: Debt collection

Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had some fraudulent accounts. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them
Product: Student loan

my son attended XXXX in wyoming and ended up with XXXX in student loans with XXXX and XXXX from XXXX and XXXX from XXXX .He XXXX in 2014 and applied for jobs with reputable companies and when they asked what education he had and his response was XXXX XXXX they said they could not hire him. I feel they inflated the tuition so he could not qualify for a full federal loan and sent him to genesis who sold the loas to UAS ( university accounting services ) and balboa .we made payments while he was in school but stopped payments when we heard about this scam. He also was contacted be a company called XXXX but i think this may be a scam because he tried calling them and sending emails but they dont ansewr he paid them XXXX. right not i dont know what to do, i got injured at work in 2014 and have been in and out of XXXX since then and am on workers comp and only make XXXX % of what i would normally make please i need help.my email is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> Current sent me an email that my account has been restricted due to a dispute from one of the credit beaurus. I had set up direct deposit to the account prior to knowing about this email. On XX/XX/year> i contacted the XXXX customer service chat to ask why my account was restricted and it informed me to reply to the email that was sent on XX/XX/year>. So on XX/XX/year> I responded to the email that I am authorized to use this account. I waited until the next day and I havent gotten a response to the email i sent except for the automated email that lets me know they would respond in XXXX hours. On XXXX XX/XX/year> I called their customer support line to ask the steps to get my account unrestricted. That representative also informed me to reply to the email. The same afternoon my direct deposit goes into this account and I have no access to it and I do have financial responsibilities the check needs to go to. That night I did text the customer service 24/7 line and they informed me that it takes 2-3 business days for a response. The next day my account is still restricted so i call the customer service line to inform them that I did respond to the email and to ask if they have a specific time line when I should hear back and the representative said she doesnt know and that she will forward the email. Now today XX/XX/year> I still havent gotten a reply to my email and my account is still restricted.
Product: Credit card

I used my Chase Credit Card to buy tickets online on XX/XX/year> for {$690.00}. Immediately I received a text saying ( attached for proof ) that my transaction was declined and I should reply Yes or No if I am the one who attempted the transaction. Since I was the one using my card, I said " Yes ''. The message also CLEARLY suggested that I will not be charged unless the purchase is attempted again. And therefore as Chase recommended, I rebooked my tickets. To my surprise, I am being charged twice by the merchant. Chase recommends I reach out to merchant but merchant says reach out to Chase as they do not know what happened. I am being made to run around and defrauded of {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX  XXXX XXXX GA XXXX My only employer is La XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 
Sincerely,