23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently took over as XXXX for my Mothers accounts .. My mother had XXXX  for last few years.. Im looking over statements I noticed 2 very large balance transfers These occurred during my mothers XXXX periods.. I informed Citizens Bank that my mom would have not done these transactions & that I believed then to be fraud.. 
I put in a fraud dispute Citizens Bank told me that I HAD to continue making minimum payments and also charged my Moms card a LATE FEE and RESTRICTED use of the card I told them I only wanted the matter investigated And that I didnt want the cards restricted.. 
They told me I HAD to make MINIMUM payments in order to have card operable And if I didnt make MINIMUM payments, my moms credit report/score could be affected I told them this sounded totally WRONG, as I dont believe my Mom should pay 1 dime towards fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report incorrect. Please remove Several hard inquired after filing a form to stop inquiry. Fraudulent activity and misuse of information
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing a copy of my updated Credit Report last XX/XX/XXXX, I realized that there were inaccuracies being reported on my file. When I further investigated my credit report, I realized that some of the information are erroneous. The last complaint I submitted was XX/XX/XXXX requesting Transunion to correct these items. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items below : XXXX  XXXX Late Date : XX/XX/XXXX, XXXX XXXXLate Date XX/XX/XXXX, XXXX  XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX GA, XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 
To support my claim, I have included copies of my identification and documentation verifying my correct address. 
Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

InDebted USA is reaching out to me stating that they are reaching out on behalf of XXXX to collect a debt in the amount of {$150.00}. This is not my debt, and I have no knowledge of this account. I have reached out to the creditor directly to request ownership of this account as well as proof of purchase agreement and I was not provided with this information. This information is the result of fraud, and I would like to be cleared of this immediately.
Product: Money transfer, virtual currency, or money service

On the morning of Friday, XX/XX/2024 I called several Wells Fargo locations in the XXXX area to make sure the branch would have enough cash on hand to cash a {$32000.00} check from XXXX XXXX for a total loss vehicle claim. After several branches advising me they did not have funds available, the XXXXXXXX XXXX  Wells Fargo branch advised they could cash it as long as I did not mind a majority of it being in {$20.00} bills. That was not an issue for me and I told the manager that I would be in later that day to handle the transaction. I left XXXX, XXXX  ( about a XXXX XXXX XXXX ) around XXXX pm and headed to XXXX, XXXX. I arrived around XXXX pm, went into the bank, presented the check and 2 forms of ID. I advised the teller that I called that morning and confirmed they could cash the check so I drove the XXXX minutes for that purpose. The teller called her manager and ask about the conversation he & I had that morning. The manager told the teller that the bank would be able to cash half the check and the balance would be a certified check. That is not what I was told that morning nor would that work for me. I was purchasing a vehicle on Saturday and could not pay for it that way. The teller was very dismissive and rude and basically did not care that I drove XXXX minutes one way based on my phone call with the manager that morning. I was told that's all they could do and if that wasn't satisfactory to me they couldn't help me that I could go to another location. The entire reason I went to that branch was because I called and confirmed the cash was on hand. I don't know how it is legal for a bank to deny to cash a check drawn on their bank that funds are sufficient in the account drawn from. This has to be illegal. If I don't pay my debts, I am charged late fees, over draft fees and reported to credit bureaus. But Wells Fargo can deny to cash a check drawn for an account with sufficient funds? This is unacceptable, unethical, poor customer service and in my opinion theft. A check is a legal document that a bank is responsible for cashing. Because they refused to cash the check, the seller of the vehicle I arranged to purchase Saturday backed out and sold the vehicle to someone else. I drove an hour and a half out of my way based on being told they had the funds to cover the check. I should be able to charge the bank late fees, NSF fees and for my time lost due to the bank being broke and poorly managed. I want them held accountable and want to be compensated for their negligence, and refusing to pay when funds were available in the account. This can not be legal and something needs to change if it is. I also think the bank should be fined for breach of contract.
Product: Debt collection

I have sent a debt validation letter to XXXX on XXXX XXXX and also another on XXXX XXXX exercising my rights under FCRA 611 ( 15 USC 1681 ) and this CRA has not sent over any supporting documents from the debtor nor have they provided me with the method of contact they used to support their reporting. They only sent back that it was verified but the only person that can verify if it's 100 % accurate is the consumer. They are reporting inaccurate info that they have failed to properly investigate and I want it deleted immediately
Product: Credit card or prepaid card

On XX/XX/XXXX I received {$40.00} from a friend XXXX that I work with as a birthday gift I wasn't even logged into my cash app account when she had sent it when I received the email that she sent it I logged in an as soon as she sent it, it showed that a transaction to a XXXX XXXX was sent an with my account I have biometric fingerscan an a pin set to where one or the other is needed to do a transaction with my account an I did neither nor am I the one that sent it an I've disputed an reported the profile of XXXX XXXX an got denied an I disputed 3 times total an have only heard back from the 1st one being denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX   # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Transunion TU # XXXX XX/XX/XXXX sent, response recieved, XXXX  XX/XX/XXXX, no changes TU # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Mortgage

Provident Funding in XXXX XXXX, CA is stinks. 
FYI, I live in XXXX, and I don't own any property, I also don't own car. I have good job with good pay, I have very good credit history score as well/ I started refinance my mom 's home in TX on XX/XX/2019 for only XXXX refinance amount. 
Underwriter initially approved, then requesting a lot of documents ( documents of your business 3 years ago, bank statement of anyone who sent/received money from your bank acc ), greedily wanting to involve more borrowers for the security of loan. 
Underwriter said my debt ratio was high for loan amount because I lived under same proof with my spouse.??? What nonsense it is when title/mortgage statement/note didn't include my name. They even requested to see my husband 's bank statement to see if he is able to pay mortgage on his own without my help. 
If they didn't get what they want, they simply rejected the loan no matter what effort you put. At the end, borrower is the one got hurt : time, money for appraisal, effort.
Product: Debt collection

I am disputing this debt collection from   XXXX   XXXX     Secured Credit Card for the following reasons : I was finding it difficult to meet  my financial obligations after I lost my job. I owed  XXXX   XXXX   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have another  XXXX   XXXX  card, Im paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a social worker, I am just trying to clear my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I do not identify as any other names. I only identify as XXXX XXXX and my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT, I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE SO THAT MY FILE CAN BE CORRECTED.
Product: Credit card or prepaid card

An unauthorized charge in the amount of {$550.00} was posted to our account on XX/XX/2022. This fraud was noted on XX/XX/2022, and LLBean Mastercard was immediately notified. A new credit card number was issued at that time and we were told an investigation would be performed and completed within 30-90 days. 

A letter from the XXXX XXXX was received XX/XX/2022, acknowledging the dispute of the unauthorized charge and that we would be notified in writing of the investigation results. 

XX/XX/2022, the charge was temporarily removed from our account. 

A letter from LL Bean was received on XX/XX/2022, regarding the adjusted minimum payment due. 

XX/XX/2022, we noted that the unauthorized amount of {$550.00} had been re-billed to our account Con XXXX XXXX. We called LL Bean Mastercard and was transferred to the XXXX XXXX. XXXX informed us that a letter had been mailed out on XXXX XXXX, explaining the investigation results. We told XXXX that we were still disputing this fraudulent charge. XXXX said she w. ould return the matter back to Investigations. 

XX/XX/2022, we sent a certified letter to Citi Resolve explaining our position on the unauthorized charge. We requested copies of their investigation documents they made their determination that we were liable for the unauthorized charge. We had not yet received the letter they supposedly mailed on XX/XX/2022. 

XX/XX/2022, we called the XXXX XXXX to inform them we still had not received the XX/XX/2022, letter. XXXX said they would reopen the case and if we had not received a letter by XX/XX/2022, to call back. 

XX/XX/2022, we received a letter from XXXX XXXX through the LL Bean Mastercard message board. The letter was dated XX/XX/2022. The letter explained their position and that the investigation was complete. 

XX/XX/2022, a packet was received in the mail containing a letter dated XX/XX/2022, and the merchants Compelling Evidence Response document. The packet was postage stamped XX/XX/2022. The merchant is XXXX and they provided to LL Bean Mastercard an email and telephone number that is not ours. We will be responding to LL Bean regarding these inconsistencies of data. However, their investigation Unit has not been reliable in communication nor their investigation of this matter.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING XXXX PUBLIC RECORDS THAT DONOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked company if I could pay XXXX XXXXXXXX towards the late fees and then send in payments every other day until the balance of my vehicle loan is current. I was told they are denying me to pay the amount I offer. XXXX would like me to pay XXXX  bring the account under XXXX days of repossession. Then they can assist me. I then ask the XXXX  are they denying my attempt to pay on a debt she stated yes. I document this down. I only wanted To pay Something towards vehicle loan. I was told no because of the status of the vehicle. Pay XXXX  they can not take less than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Reference # XXXX, US DEPT OF EDXXXX Account # XXXX has violated my rights. 

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
Product: Mortgage

Hi I submitted and described the problem. Even spoke to one of your representative, who was very helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, WA has a " Collection/Chargeoff '' placed on my TransUnion credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted TransUnions but they will not remove it without XXXX XXXX consent.
Product: Money transfer, virtual currency, or money service

The stock-trading company Robinhood ( Robinhood Financial LLC XXXX Robinhood Markets INC. ) has frozen my account after it was hacked over 6 months ago and over {$3000.00} were stolen from me in illegal transfers. They refused to return the money, and I had to call the bank to have the transfer reversed. Recently I logged in to my old account and found a balance of {$120.00} remaining. I attempted to transfer the funds out into my bank account, and Robinhood refuses to lift the restriction on my account without any further explanation. The service rep hung up on me and they refuse to take any further calls from my account, referring me to an email request forum that receives no response.
Product: Student loan

I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.
Product: Debt collection

I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all
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 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 Account name : XXXX  Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX
Product: Debt collection

Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90  days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.