23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

To make this short and simple : TD Bank closed my account due to credits coming into the bank account with a different company name than the account holder. I was told by the bank i would receive a letter in the mail and a check for my $ XXXX and some change but that has not happened. It has been 2 months since the bank claimed to be investigating my account, and i still have not heard from them. 

I had my attorney get in contact with the legal department but the rep there does not reply and if she does its with vague information. 

All i want is my money in the account which is a little over {$25000.00} XXXX these funds are 100 % legit, and therefore should not be held XXXX Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter on XX/XX/2022. I never received any response from you in the 30-day period they had to investigate. This is a violation of 15 USC 1681I ( a ) ( XXXX ) ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Accounts # XXXX, and Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Mortgage

I have repeatedly asked SLS to provide me with specific documents related to this illegally processed loan. Instead they inundate me with dozens of irrelevant documents, form letters and old non-related items that have no bearing on what I am asking for. Today I am hoping CFPB will assist in my Qualified Written Request ( QWR ) to obtain just One Document : A COPY OF THEIR NOTARY 'S LOGBOOK SHOWING MY SIGNATURE AND THUMBPRINT FOR THESE LOAN DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I have asked for several investigations into the accuracy of the information Transunion is reporting the investigations have not resulted in these errors inaccuracies and incomplete information being corrected or deleted. I asked for a detailed description of the investigation completed to which I still have received no response which is in violation of FCRA. I have recently sent a certified letter with my id, gas bill, and social security care requesting yet another reinvestigation be performed. I will include attachments showing inaccuracies incomplete information as well as duplicate accounts on report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

On XX/XX/21 I purchased 2 handbags from an online site in the amount of {$320.00}. I was not aware that the site was a scam. The handbags were received and were counterfeit. 
On XX/XX/21 ( after disputing with XXXX ) I contacted my credit card company, Chase. The Customer service representative informed me that if I could prove that the bags were indeed counterfeit I would be able to get my money back. 
On XX/XX/21 I faxed 20 documents to the dispute department at Chase. These documents included authentication from the handbag designer that the bags were indeed counterfeit as well as all of the email exchanges between myself and the retailer attempting to return them because they were counterfeit, copies of my receipts and photographs of the fraud site. 
On XX/XX/21 I contacted chase to follow up and was told the case was still under review On XX/XX/21 I contacted chase again and was told my original documents had not been received. During the same phone call the documents suddenly appeared but are still under review. 
On XX/XX/21 I contacted chase again at which time they told me I was missing documents. It was clear to me at this time that no one was in fact reviewing my case because all of the information was included in the original 20 pages I faxed on XX/XX/21. I was told to write a letter outlining all of my attempts to get this resolved and resend the 20 pages of documents along with it. 
On XX/XX/21 I contacted chase again and spoke to a supervisor named XXXX. I was told that I waited too long to prove the bags were counterfeit. And I was outside of the 30 day window. At which time I explained that I had sent those documents to chase on multiple occasions, the first being well inside the window. The supervisor said he was sorry but theres nothing more that they could do. 


My documents were sent in the allotted amount of time and my case was mishandled. Now I am suffering the financial consequences due to repetitive errors and cover ups by Chase.
Product: Student loan

I have tried several times to be put on the new XXXX plan for my student loans. I have applied on both the federal financial aid website and the aidvantage website as well as sending in check stubs and my latest tax filing. The federal financial aid website told me my payment will be {$0.00} a month but aidvantage says it will be over {$300.00} a month no matter how many times I submit the correct paperwork and the aidvantage website is telling me my payment will be due next month and I can not afford it. I filed for the first time all the way back in XXXX and have not gotten anywhere with them. My application was processed on the federal financial aid website and I was given a payment of {$0.00} a month on there.
Product: Credit reporting or other personal consumer reports

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Product: Student loan

I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company XXXX XXXX has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Product: Credit card or prepaid card

I have been requesting a check for the negative account balance of my {$3400.00}. Wells Fargo has been telling me they would send the check within a maximum of 30 days, for my account which has a negative balance. I made the request for the check on XX/XX/2021. Customer service has lied multiple times and said the check would be sent within 30 days and it has still not been sent.
Product: Credit card

Citibank use XXXX, XXXX words terms with me on the phone, calling me brown etc. THEY REFUSED TO INVESTIGATE THE CREDIT CARD FRAUD REPORTED LAST MONTH WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$170.00}. I CALLED THEM UP AND THEY HAD NO RECORD AND REFUSE TO INVESTIGATE. DO NOT SEND ME A NEW CARD, I GOT A NEW CARD AFTER I REPORTED THE INCIDENT. HOWEVER, INVESTIGATE THE INCIDENT AND GIVE ME A CONDITIONAL CREDIT DISPUTE
Product: Student loan

Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release
Product: Checking or savings account

On cash app, I opened an account. Out of nowhere, I go on the app and see Ive been logged out. I log back in, and it says my account has been closed and they dont tell me why ( they say it doesnt tell them the specific reason )
Product: Debt collection

I have written to this company and the collection company they sold my debt to they wrote back to send it to another address of theirs. 

I provided my XXXX  XXXX debts showing they were on it and I have provided the discharge documents to them On one credit report, it shows charged off in collection XXXX on XXXX, it shows included in bankrupt but not discharged XXXX shows discharged
Product: Credit card or prepaid card

Numerous unaurhorized atm withdrawal from my bank if America debit card.
Product: Debt collection

AMCOL Systems recently reported XXXX medical collection accounts from XXXX XXXX on my credit report. Prior to these accounts appearing on my credit report, I never received notice of my right to dispute these balances.
Product: Mortgage

I seen on the internet yesterday that i may be receiving a settlement from Wells Fargo due to my hardship refinance that i had. I was refinanced by Wells Fargo back around 2015. They told me back then that if I made on time payments for 5 years that my house note would go down XXXX a month. They told me that it was to pay for lawyer fees for other refinance fees. I was just wondering if this had had anything to do with the Wells Fargo settlement. I really don't know if anything is owed to me as I know my insurance has went up over the years so my escrow account could have taken some of this amount.
Product: Credit card or prepaid card

As documented in the letter I sent to CitiBank, with a copy to CFPB on XX/XX/2015, I had repeatedly begged CitiBank to stop charging me interest until I was able to become re-employed. The letter explains the damage CitiBank 's predatory collection and high credit card interest charges have created for me and the damage I have, and continue to suffer. I am unable to find gainful employment due to the bankruptcy on my credit file, despite making it to the finals, since my credit report with the bankruptcy ruins my reputation. Please read the attached letter below. Citibank ended up charging my credit card account approximately {$25000.00}, when my actual card usage amounted to only {$12000.00}, which I offered over and over to pay. I just needed CitiBank to stop the financial rape they purposefully accomplished, especially as their marketing and TV sales promotions were touting them as the perfect corporate citizens by funding railway systems for XXXX XXXX, as well as other money making ventures, while putting me Ito bankruptcy with users by raising my interest charges on my credit card account with them.
Product: Debt collection

This company has contacted me numerous times over the years regarding a debt that my ex-boyfriend XXXX XXXX owes. I do not have contact with him, nor do I have any contact info to give them. I have repeatedly asked them to stop contacting me yet they keep calling. The last time they called ( a few months ago ) I was reassured that it wouldn't happen again, yet here we are. I'm sick of blocking numbers only to be contacted again and again. 

I myself owe no debts and this is harassment.
Product: Credit reporting or other personal consumer reports

This is for XXXX XXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately
Product: Credit card or prepaid card

I went on a cruise wi th Carnival Cruise Lines fir st week of  XXXX   2016 .   I used my personal master card tied into my room number and no other cards were permissible for use.   In  XXXX , I received a  letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem.   In  XXXX  I received another letter from  XXXX   XXXX   XXXX  - Creditor :  Barclays Bank Deleware stating  I owe  XXXX  with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called  XXXX  collections agency and spoke to  XXXX   XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to  XXXX   XXXX  about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard    bill I received only the second time I was contacted by  XXXX   XXXX  agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h  as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r  eceive funds.
Product: Credit reporting or other personal consumer reports

My credit report from Transunion and XXXX is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans - XXXX Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( Experian, XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXXXX XX/XX/XXXX 5XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6. XXXX  XXXX  XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of XXXX XXXX XXXX and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by XXXX XXXX XXXX. I sincerely believe that this account was fraudulently opened on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint concerning unauthorized credit inquires I did not authorize.

Subsequently, a unknown party used my information to obtain a car loan.
Product: Credit reporting or other personal consumer reports

It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent money through moneygram to my uncle XXXX XXXX that resides in XXXX XXXX XXXX.I gave my uncle the reference number so he can collects the fund at moneygram store in XXXX. Armed with his identification card my uncle was refused to collect the money unless he called moneygram HQ in the XXXX. 
When I was informed I called moneygram to request a cancellation of my transaction and requested a refund. Moneygram stated they can not issue me a refund and my uncle in XXXX XXXX has to call them even my uncle does not speak english. 
My uncle contacted a translator, called, and moneygram decided not to release the funds to my uncle. 
After multiple attempts of my part moneygram refuses to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late remarks are all over the place making this inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with Bridgecrest and it shows a balance of {$2200.00}. XXXX claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.
Product: Debt collection

I received a call at XXXX XXXX  on XX/XX/2018. I asked who was calling and what it was about and the girl only told me her name, which is XXXX. I asked several times what her call was in reference to and all she said was that it was an important business matter. I hung up and researched the number which is to NCB Management Service which is a Collection Agency. I was not told during the call that it was an attempt to collect a debt, only that it was an important business matter. These people have been calling me 4 to 6 times a day. I am XXXX, have XXXX due to a XXXX XXXX problem and a XXXX XXXX. First they will call my home number and then my cell phone number during the day every day.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX