23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I began attending the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX I was seeking a XXXX XXXX XXXX XXXX I applied for FAFSA and was fully enrolled. I began attending XXXX, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. They failed to explain the terms of this loan, that this loan was private and intentionally misled me regarding the details of this XXXX loan. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXXXXXX XXXX XXXX XXXX  The loan has been administered through XXXX XXXX. Beginning XX/XX/XXXX, the loan will be serviced by XXXX. That XXXX XXXX XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. As of today, more than XXXX XXXX worth of loans are set to be forgiven for anyone who went to an XXXX XXXX XXXX between XXXX XXXX XXXX XXXX XXXX The XXXXXXXX XXXX said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by the XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In a detailed review of the transaction history of the credit card account ( after noticed that there was a significant balance still owed, after balance should be close to paid off ). In this detailed review, noted that the interest on the account from 2017 to present is not being calculated accurately and within the federal standards for calculation. Can see from monthly statements dating from 2017 year to present that there are some months in which the payment made on account goes solely to interest, other months the payment does not pay any interest. Monthly payments exceed the minimum balance, so payments should be applied per the federal standard, but they are not. This has caused an excess of $ XXXX in interest alone accumulated inaccurately on this account from 2017 to present. 

I have contacted the company multiple times to request the ledger and transaction history used to produce the statements I am reviewing. The reason I asked for this information is because you can not determine how payments were applied to the account. On the statements you can only see how much interest was paid and if the principal balance went down. From the statements I can see that interest has been added to the principal balance, then additional interest applied to that balance. The company has refused to supply me with this information and just keep sending me the monthly statements. I already have the statements and have explained the statements do not show the requested information. I have called the company multiple times, sent emails, all requesting a manager and corporate intervention to obtain information I am requesting. They refuse to provide the details on the account and continually tell me someone will call me to discuss and resolve. That has yet to happen. You can see from the statements that the interest on the account is not be calculated accurately, but any further detail, i.e., how much is being applied and how exactly it is being applied can not be seen without the requested information. I would like assistance in obtaining this information or a detailed review of this credit card account, so as to prove inaccurate standards for credit card interest calculation. I can and will supply all statements from 2017 to present, if needed. Please let me know if you need those. Thank you. 

In a nutshell, the balance is XXXX XXXX higher than accurately calculated, which is ALL interest added to account. This account has not accumulated a balance past {$2000.00}, so {$600.00} in interest is extremely high, which is what triggered me to do an audit on the account. Again, thank you for all your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to Experian and XXXX  to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that Experian and XXXX  follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.
Product: Credit reporting

Under FCRA sec XXXX, I 'm requesting disclosure of the " original creditors documentation '', on file, that they must maintain to validate all data being reported or remove from my report if unverifiable. They refuse to provide the information or remove from my file. Instead, they continue to state the information is verified without providing verifiable proof. Items are ; XXXX ; account : XXXX XXXX XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Product: Checking or savings account

Hello, my name is XXXX XXXX XXXX. I think I am a victim of a scam. A XXXX XXXX sent me a check through email and I thought it was real but I dont think it is. My whole bank account is froze and I cant access any of my real money because of this scammer. I want it off my account and I want my account unfrozen ASAP. I called my bank and they said theres nothing they could do about it but I need my account open now so I can catch my XXXX and get to work. I am only XXXX years old, I dont know what the XXXX Im doing. And I cant tell my mother because she will XXXX  me and I dont mean that in a sarcastic funny way she is very XXXX. Im asking someone to please help me, I will send you all the information I have about the scammer but I am begging you to please open my bank account. I bank with associated bank in XXXX IL on XXXX XXXX.
Product: Checking or savings account

as a low income family much of the by paying bills my bank account go low then expected, every time my bank account is low TD bank charge me {$15.00}. This is completely unacceptable and unfair treatment. This should never happen. Im requesting an investigation on TD bank unlawful conduct/fee
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accessed my credit report on XX/XX/2017 without permissible permission which then led to a fraudulent loan. Attached is the incomplete application that XXXX XXXX XXXX XXXX sent me. It was completed on XX/XX/2017, one day after credit was pulled. In addition, the application was incomplete and as stated at top of application was not to be processed. The person, XXXX XXXX aka XXXX XXXX is listed on application and is a known felon. See attached convictions and felony arrests that include forgery to purchase cars, false pretenses, impersonation, and credit card abuse. She was also stealing out of my rural mailbox. Together Credit Union financed one car but dropped their claim due to fraud long ago. XXXX XXXX credit report reflected XXXX and the application they sent was dated XXXX However XXXX XXXX XXXX XXXX refuses to drop claim and requests information should have been stated on sheriff 's report that makes it impossible.
Product: Checking or savings account

ON XX/XX/XXXX I WAS TOLD BY A NFCU REP TO FILE A COMPLAINT THRU THE PORTAL IN WHICH I DID SECURELY. HERE IS THE COMPLAINT I SENT THRU MY ACCOUNT PORTAL. YES I USED PROFANITY, BUT THIS WAS MY FIRST TIME AND YOU CAN SEE AS TO WHY I WAS UPSET AFTER SOME MINUTES AS WELL BUT NFCU TOOK THEIR SIDE AND BANNED ME FROM CALLING THEM OR ENTERING ANY CREDIT UNION. I HAVE NEVER BEEN BANNED FROM ANYWHERE. SEE COMPLINT I FILED BELOW Subject : COMPLAINT ON PHONE EMPLOYEE NAMED XXXX Navy Federal Response XX/XX/XXXX XXXX Thank you for using Navy Federal 's XXXX XXXX XXXX XXXX XXXX XXXX. 

We regret that your most recent experience was not upheld to your expectations of our exemplary service. Your conversation with the Member Service Representative will be reviewed and forwarded to his/her immediate supervisor for any appropriate coaching or counseling necessary. We appreciate your feedback. An active and responsive membership greatly contributes to the growth and success of our credit union. 

Again, we apologize for any inconvenience this matter may have caused. 



Your Message XX/XX/XXXX : HELLO, EVERY OTHER MONDAY I CALL TO HAVE MY XXXX DEPOSIT RELEASED EARLY BY A PHONE EMPLOYEE OR SOMETIMES THE AUTOMATED SYSTEM LETS ME RELEASE IT AND SOMETIMES IT DOES NOT ( AS TODAY IT DIDNT GIVE ME THE OOTION TO DO MY SELF. I DONT GET WHY IT DOES THAT HERE AND THERE. EVEN WITH VOICE AUTOMATION PASSWORD.. ANYHOW... AS ANYONE CAN REVIEW MY ACCOUNT AS ALWAYS, THEY CAN SEE I CALL IN EVERY OTHER MONDAY AND GET IT RELEASED WITH NO ISSUES. I KNOW MY ACCT IS IN NEGATIVE. ALTHOUGH I HAVE OVERDRAFT UP TO XXXX. WELL TODAY WHEN I GET AN EMPLOYEE NAMED XXXX, SHE GIVES ME THE HARDEST TIME IVE HAD EVER AND NEVER RELEASED MY MONEY BECAUSE I WENT SMOOTH OFF ON HER. FIRST SHE PUT ME ON HOLD TO REVIEW MY ACCOUNT, THEN I ASKED HER WHATS SHES REVIEWING AS I TOLD HER I DO THIS ALL THE TIME. THEN SHE PUT ME BACK ON HOLD AND SAID SHE WAS DOING CALCULATIONS ON MY OOPS OVERDRAFT. I STILL BROKE HER CALCULATIONS DOWN ON THE PHONE FOR HER STATING IF I HAVE OOPS UP TO XXXX. MY ACCT WAS XXXX XXXX AT THE TIME SO IF I HAD THE XXXX DEPOSIT IT WOULD PUT MY ACCT BACK TO XXXX. POINT IS I DO THIS ALL THE TIME AS ANYONE CAN SEE WHO LOOKS OVER MY ACCOUNT AND OR REVIEWS CALLS. IN WHICH IVE NEVER BEEN TOLD ON ANY CALL. SO AFTER ME BEING ON A CALL WITH HER AND HER NOT WANTING TO RELASE MY MONEY YES WHEN I CUSSED I USED PROFANITY BECAUSE I HAVE NEVER HAD TO ENDURE THIS BEFORE ON RELEASE THE SAME DEPOSIT I GET EVERY MONDAY. HONESTLY I THINK AS I WAS CUSSING HER OUT, SHE ADVISED SHE WAS ENDING THE CALL ( NEVER RELEASES MY FUNDS ) AS I WAS HANGING UP SO IT ALL WORKED OUT. THE SECOND PHONE EMPLOYEE RELEASED IT AFTER ME HAVING TO CALL IN TWO TIME AND WAITING A TOTAL OF 20 MIN UTES. IF ALL CALLS ARE RECORDED PLEASE GO BACK AND REVIEW IT, BECAUSE EITHER WAY IM FILING ONE WITH XXXX BECAUSE SHE ME MADE ME EXTREMELY UPSET FROM THIS CALL. MIND YOU I HAVE BEEN A MEMBER SINCE XXXX. SO DO YOU NOT THINK I KNOW HOW THE ACCOUNTS WORK OUT. 

This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.
Product: Debt collection

Southwest Credit Systems ( AKA SCS ) XXXX XXXX XXXX XXXX Tx, XXXX Account # XXXX for T mobile They refuse to provide the needed documents entitled to me by Federal Law, FDCPA and USC 1692 to show a debt obligation / debt collection is legal. It is not.

This company is illegally prohibiting me from using my credit needed as I am starting a business and buying equipment.

No contract is provided showing authority of Southwest Credit Systems to collect for T mobile. No contract or accountings of credits/ debits showing a balance owed from XXXX XXXX SCS has previously violated my rights and complaint is on file with CFPB with other companies. 
An electronic verification is not acceptable, a manual verified accounting is required.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my XXXX, XXXX, TransUnion consumer report : Consumer-Personal Statement As a concerned citizen, I believe it is the responsibility of organizations like the FTC to uphold and enforce consumer rights, ensuring companies adhere to ethical business practices and prioritize the interests of consumers above all else. I urge you to take decisive actions to address theses issues and to implement policies that will better practice consumers from exploitation and fraud.

In accordance with the Fair Credit Reporting Act Convergent Account TRANSUNION, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. Including, 15 U.S.C 1635, 15 U.S.C 1662, and 15 U.S.C 1691
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX
Product: Mortgage

u.s bank home mortgage just removed XXXX in debt from purchase amount, but still reporting on my credit reports im 90 days late when i 'm current and trying to refinance with a new lender also i have a civil case pending and was ordered to buy a car and i can not buy another vehicle until i refinance this home u.s. bank are not updating everything correctly in the system yes balance left owed is XXXX but i 'm not 90 day late, i owe this month only and my time clock is running out on what a judge in another case has told me to do.
Product: Vehicle loan or lease

I have 2 vehicles each separate loans with Ally Financial. I am attempting to pay off both loans and asked for a payoff quote for both. They gave me amounts that are higher than listed on my account because of compiled late fees. I asked if they would work with me and please reduce the fees or finance charges and I can pay both of the loans off. I was told we dont do that at Ally. I have done this in the past and they always worked with me to get it off the books and be done with it. This company Ally calls me 10 times a day every day with different people leaving messages that sound like they are from another country. I just want them to work with me to take off fees. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX OF XXXX XXXX Balance : {$3100.00} XXXX OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Wells Fargo froze my account for sometime. Holding funds that was in the account refusing to release. Only after months they actually mailed out a check with what could have possibly been the balance at the time of the freeze. I felt like it was unfair. I talked to people at the bank during that time and just couldnt get any assistance. I went through hardship after my account became frozen.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their obligations.
Product: Credit reporting or other personal consumer reports

The cards was applied without my authoriation, the companies agreed ad closed the accounts. Transunion refuse toremove the inquries even though all was reported from myself and the companies at hand that it was fraud. Please remove all information connected to these fraud accounts. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX - XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3600.00} Date OpenedXXXX Dispute XXXX CARD XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$4600.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance {$530.00} Date OpenedXXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5900.00} written off. {$5900.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5900.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$18000.00} written off. {$20000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$20000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$970.00} past due as of XX/XX/2020. 
Account TypeCell Phone Balance {$970.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeFHA Mortgage Balance- Date OpenedXX/XX/XXXX Dispute
Product: Checking or savings account

I have a recurring payment to XXXX XXXX. On XXXX XX/XX/year> USAA processed the payment ( paper check ) and mailed to the Payee. Payment was scheduled to arrive no later than XXXX XX/XX/year>. The recipient did not receive the check. On XXXX XXXX I called USAA to ascertain the status of the payment. I was asked to wait one day and call back if the check was not received. XXXX realty did not receive the check. I called USAA and was advised to place a stop payment on the check and reschedule payment. On XXXX XX/XX/year>, I placed a stop payment and rescheduled payment. New delivery date for the check was XX/XX/XXXX. On the XXXX of XXXX, was advised by XXXX XXXX the check had not arrived. Contacted USAA, spoke with the CEO 's executive team. They were unable to provide a solution to deliver the payment ( now 18 days overdue ). Purpose of the payment is Lease Payment for the house I am living in. 

The only option I was given to resolve the issue was to reschedule the payment. As of now, I am unable to pay my rent because USAA refuses to send a certified check via XXXX. Claims the only option is to issue a new check through bill pay which has failed twice.