23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.
Product: Debt collection

Harris & Harris sent a text message telling me they were contracted by Maryland XXXX XXXX XXXX ( XX/XX/XXXX). I asked to see the contact showing they were contracted to collect a debt. They stated they did not have one they could show the debtor.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion all have bankruptcy on my credit report that should not be there.
Product: Prepaid card

I received 800 dollars from XXXX XXXX  because I gave up my seat. I used XXXX and had it placed in XXXX. This works. I used XXXX in XXXX which i have been using for my XXXX XXXX with no issue. 

The remaining XXXX dollars I placed in two American Express CardsXXXX XXXX. They would not work at all. I tried to use it at XXXX no luck. I tried to use it at XXXX XXXXno luck. The online information says the money is there but I can not access it. 

I tried calling XXXX today finally and they said that they could not retake the money on the cards they suggested that I call the company. I called American Express and they do not have customer service for that specifically. I called them last week and today. 

The person I got onto finally on the phone for American Express could not help at all. I am exhausted and I would like my money back- a total of {$400.00}. I feel that American Express Card has been behaving like a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.
Product: Credit reporting or other personal consumer reports

I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.
Product: Checking or savings account

I saw a promotion for XXXX Thank You points for a brand new Citibank checking account. I went to the bank and confirmed if opening a new account would get me the points. They said, yes, a new account would get me the points. I was already an existing customer of Citibank so I wanted to be sure before signing up for another account. <P/>Anyway, within 3 months of account opening, I met the terms, kept the minimum balance and did the deposits and payments that were required to get the points. I followed up with Citibank asking when my points would post. I have confirmation email and messages from Citibank saying this would happen in 4-6 weeks. So I waited. <P/>I contacted them again in 4-6 weeks and was told that since I was an existing customer, I would not be getting the points. I mentioned to them that I was targeted for the offer and I also had written confirmation from them. They said the last agent was wrong and I would n't be getting the points. <P/>I kept trying for a few points and then gave up. And finally now, I am filing the complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to address the inquiries associated with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute with Experian for inaccurate information being reported about me on my credit report i have ask on numerous occasions to investigate and correct they have yet to do so or fix the issue with the inaccurate incorrect item being reported on my report they claimed to verify the incorrect bankruptcy with XXXX received a copy of my report which shows no bankruptcy being reported and yet the refuse to correct the inaccurate unverified information being reported
Product: Debt collection

They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required. 

I have attached just a sample of their threats and violations.
Product: Debt collection

I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XXXX of each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXXpayment was shown delivered at XXXX XXXX on XX/XX/XXXX. The company states they terminated my agreement because the payment did not post to the account until the XX/XX/XXXX. I  have all documentation and yet the company will not honor the agreement.
Product: Vehicle loan or lease

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX To whom it XXXX concern, After reviewing my credit reports, Ive noticed these unknown accounts. These accounts are products of identity theft, I am denying any responsibility for these accounts. 

XXXX XXXX : WESTLAKEFINANCIAL SVC-Account # XXXXXXXX XXXX XXXXAccount # XXXX Now please send all copies of the original documentation that legally connects me to these accounts, Also, the true ownership of the debt. These are unknown accounts to me and if you cant send me any proof, they must be removed. Please cease all collection attempts and remove accounts. Please respond in writing within 30 days so we can resolve this matter without any more violations. 



Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

I received a bill on XXXX/XXXX/19 from Synchrony Mastercard stating that I owe {$29.00} and that {$27.00} is past due. I do not remember making any purchases on this card and had not seen a bill prior to this one, so around XXXX on XX/XX/XXXX I visited the website and attempted to log in, but got a message saying that the information was incorrect. I tried to use the option " find user ID '' but received an error message telling me that my account number and zip code were invalid. I attempted this option a few more times in case I had entered any information incorrectly and each time got the same result. I also attempted to use their online chat option. It gave me a " virtual assistant, '' that told me it couldn't help me and when trying to connect me to a representative told me that no one was available. At XXXX XXXX I called the customer service number listed on the website ,XXXX. It took a couple of minutes to speak to anyone because the automated service also did not recognize my account information, but eventually I spoke to XXXX at this number. After giving XXXX my information he informed me he couldn't help me but transferred me to XXXX, where I spoke to XXXX. When I gave XXXX my information he told me I would need to speak to someone in internal review. He transferred me, but also gave me the number, XXXX. This number rang a few times and then the call disconnected. I attempted to call this number back at XXXX. It rang, connected to dead air, and then the call was disconnected again. At this point I attempted another number XXXX, where I talked to XXXX. She informed me that she was unable to help me due to the type of card I held, so she was going to transfer me to someone else. Before she transferred me I explained that I understood she couldn't do anything, but I told her I had been unsuccessfully trying to contact someone and asked if I could have another number to someone who would have access to more accounts or that could better help me. She connected me to another number, but also gave me the number XXXX. After she connected me to the other number it disconnected. At XXXX I attempted the XXXX number. This number did not connect me to a person, but instead listed off several offers that it said, I " might qualify for. '' at that point I began searching for other contact information and then found the XXXX site. After finding the XXXX site I no longer attempted to try to contact the company on my own.
Product: Mortgage

Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my XXXX XXXX credit card. I had never received a statement from XXXX indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a XXXX  of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for XXXX.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX  XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the XXXX credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my report.
Product: Credit reporting

I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX XXXX and Trans Union. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( 3 ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
Product: Credit card or prepaid card

This is a complaint on the Children 's Place Rewards Store credit card. 
I had a balance of {$260.00} that was due on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX in the amount of {$260.00} ( 18 days before my due date, no residual interest ). For the next month, my balance should have been {$0.00} but they charged me an interest of {$2.00} on a {$0.00} balance, including a charge of {$0.00} for account protection ( Account XXXX which I have no confirmation of signing up for ). In fact, I have an email stating that I am not signed up for it. Regardless, based on their guidelines for Account XXXX, you are not to be charged when there is a {$0.00} balance. 
Then late fees and more finance charges were added in the total of {$6.00}, which I paid of on XX/XX/XXXX. 
The next month in XXXX I have a finance charge on my statement again, including late fees and charges for account XXXX. The same charges were added and I once again paid it off on XX/XX/XXXX. 
Please note I closed the account on XX/XX/XXXX XXXX received a confirmation letter from them. At that time, I asked about the charges and they agreed they would remove them. 
To this day, I am still getting calls to pay what is supposedly owed even though I explained I have already cleared my balance and asked why they are charging interest or finance fees, adding account XXXX  charges and late fees on a {$0.00} balance. Today I called Comenity Bank, and they gave me the run-around, placing me on several long-holds several times. I asked to speak to a manager or supervisor since I had already resolved this issue in XXXX. In the end, they alleged the system was not working and to call back. 
If I pay this balance which is now around $ XXXX, I fear they will forward a finance charge on a paid balance of {$0.00} again and this cycle will continue and will never be paid/cleared. 
I feel this is consumer/credit card fraud. All charges should be transparent at the time you have to pay your bill so that a customer can pay off their balance and there are no surprises after you think you have paid off your bill. And lastly, a finance charge should not be charged on a {$0.00} balance.
Product: Debt collection

I legitimately owed XXXX XXXX XXXX, FBO XXXX XXXX FBO of Midland Funding, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to Midland Funding 's attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

2. ) {$700.00} - Money order number XXXX. Was also sent to Midland Funding 's attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following item ( XXXX ) has violated my rights : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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 an account without my written instruction.
Product: Prepaid card

I WENT OBED ON XXXX XXXX WHENI WOKE UP IT WAS MONEY MISSING OFF MY CARD I CALLED RUSH CARD TO DESPUTE AND WAS ON THE PHONE WITH THE FRUAD DEPARTMENT MORE MONEY STARTED TO COME OFF MY CARD BE FORE SHE STOPPED MY CARDS THEY TOOK A TOTAL OF {$2400.00} I WAS TOLD THAT I NEED TO COMPLETE THE FORMS AND THEY WOULD EMAIL XXXX THE FORMS IT WOULD TAKE 3 HOURS IT TOOK OVER 5 CALLS AND 18 HOURS TO RECIEVE I FILED A POLICE REPORT AND COMPLETED THE FORMS AND FAX BACK IN ON XX/XX/2017 THEY EVEN WIRED ME MONEY OFF MY ACCOUNT BECAUSE I DIDNT HAVE MONEY TO GET TO WORK TILL I GOT MY NEW CARD I SPOKE TO MULTIPLE CSR EVERYDAY AT RUSH CARD THAT SIAD MONEY WILL BE RETURNED ON OR BEFORE THE XXXX OF XXXX ON XXXX XXXX AT ABOUT XXXX I SOPKE WITH A REP AND WAS TOLD THAT IT WILL BE BACK ON MY CARDLATER THAT DAY I CALLED BACK LATER WAS TOLD THAT IT WAS A DECISON MADE AND I WASNT GETTING MY MONEY BACK I HAVE APPELLED THE DECISON AND IS REQUSTED FOR ARBITRATION