23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Due to the pandemic my financial situation has been in shambles. I'm struggling and XXXX. I haven't been able to get my finances and life back on track ever since the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters and they refused to investigate the errors and inacuracies. Per the fair reporting credit act they are supposed to investigate and resolve any errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX  : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Product: Credit card

Synchony credit card is charging a fee of {$1.00} to send an invoice with the monthly charges. This is outrageous. First it was just the card I had for the XXXX XXXX XXXX XXXX XXXXnd now they are extending it to my TJ Max and XXXX XXXX credit card. They are charging me to send me a bill so that I can send them additional money!!
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX are stating i owe them XXXX for a service call that was cancelled. Hurrican Ian hit us in XXXX FL in XXXX 2022, my pool heater stopped working. they told me it would be 6 weeks before they could get here i called them two days later to inform them i had a company coming out in three days. They were ok and cancelled the appt. In XXXX i received a call stating i owed them for a service call. i explained i had cancelled and a technician did not come to our house. they told no problem ; they would take care of it. in XXXX i receive a bill in the mail. I called again, they were apologetic, and they were to remove the balance. in XXXX i received a collection letter from A.R.M services agency Account number of XXXX collection services stating i owed the amount. i wrote the company ARM and they were contacting the company. I called XXXX XXXX and the lady told me they were on a new system and that's why there were no records, but it was out of their hands. I have a great credit score of XXXX and want to keep it that way. please help me to reverse this. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I saw an ad on a social media site stating " Loan Forgiveness Program '', I was interested because I have loans that I needed to consolidate, so I ended up calling the number XXXX, someone answered right away asking me how many loans I had, for my social and all my information, he put me on hold for 5 minutes claiming he was speaking with his manager in order to get me the loan forgiveness plan & explaining to me that I would have to pay anything after me paying them. I gave them my debit card information and they charged me a total of {$790.00}. According to the person on the phone, he said the payment went through, and that from there forward I would n't have to worry about any more payments, therefore, my school loans were at {$0.00} balance. I also have documentation where they said I signed which I never did, use a cursive font in order to make it seem as I signed. One year later I now recieved a letter for Federal Student Aid stating I had to start paying my student loans. I thought this must be a mistake because I already " consolidated '' my loans why would I have to continue to pay anything anymore? I called the Federal Student Aid and to my surprise, all they did was take my information and pretend to be me and have my loans in deferment. I also tried to log-in to the Federal Student Aid website in order to proceed with the Income driven re-payment plan and they had used my information, created an email address I have never used, also use a California address and phone number all associated with this account. I have lived my XXXX years of my life in Florida. Why would I use any contact information in California? These people have scammed me out of my money for in their words " documentation preparations '', which I could have done personally for FREE. XXXX XXXX XXXX XXXX http : //premierstudentloancenter.com/
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH TH 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A, STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint regarding Wells Fargos decision to close my checking ( XXXX ) and savings ( XXXX ) accounts, effective XX/XX/XXXX. I believe this action is unjustified and has created unnecessary financial hardship for me and my family. 

Wells Fargo has cited the closure as a result of eight claims I filed between XX/XX/XXXX and XX/XX/XXXX. I want to emphasize that each of these claims was a legitimate dispute over transaction issues, not fraudulent or made in bad faith. While I was unable to provide sufficient supporting documentation in some cases, leading to the reversal of provisional credits, I have always acted within Wells Fargos dispute resolution guidelines. The decision to close my accounts appears to be a punitive response rather than a fair assessment of my banking history and intentions. 

Additionally, my accounts negative balance resulted from an unforeseen financial hardship. I have been on short-term XXXX leave since XX/XX/XXXX, which caused a temporary disruption in my income. As a result, my account lacked deposits and became overdrawn. I recently received my first XXXX payment and had planned to use these funds to correct the negative balance. However, instead of allowing me to resolve the issue, Wells Fargo chose to close my accounts without consideration for my circumstances. 

This decision has significantly impacted my financial stability. As a single parent, I rely on these accounts to manage my household expenses and provide for my children. Losing access to my primary banking relationship has made it even more difficult to recover financially during an already challenging time. 

Following the submission of my complaint to Wells Fargo, I received a call on XX/XX/XXXX, from XXXX with XXXX XXXX XXXX  at Wells Fargo. Since then, I have attempted to return her call five to six times and have left a message each time, yet I have not received any response. This lack of communication has further complicated my ability to resolve this issue in a timely manner.

I am requesting that Wells Fargo reconsider this decision and allow me to maintain my accounts. I have made multiple efforts to engage in dialogue with the bank, but my request for reconsideration has not been acknowledged beyond the initial call. I believe this account closure is an unfair and disproportionate response that does not take into account my history as a customer or my efforts to resolve the issue. 

I ask the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo is held accountable for its actions, including their failure to provide appropriate customer support and follow-up. I am happy to provide any additional details or documentation as needed. 

Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

In XXXX I try to get a refund from a XXXX  XXXX. {$90.00} for a room. That was paid with with my card. Cash app i called trying to get help, and I was unable to get any service or help. Another issue was with a gas station. In XXXX Where {$40.00} was took off my card.in XXXX my car was used at XXXX XXXX for {$2200.00}
Product: Payday loan, title loan, or personal loan

Went to XXXX XXXX for days and plan some work. I did not know I had signed a credit agreement. I did not have the work done as I ended in the hospital. I have been getting bills from a company called XXXX XXXX for {$3700.00} work I never got done.
Product: Credit card

American Express Must provide clear breakdown on my payment history before dismissing all my claims. They must explain to us the reason they can not give a payment ledger reflecting a final balance of {$5800.00}. {$2500.00} surplus has been paid and can not be included in my final balance of {$3300.00}. if they can not give a clear accounting proving their claims and refuting my claims, then I will not make any payment until the issue is resolved. In American retaliatory and vindictive approach, they have reported my account 30 days late to the credit bureau. Shame on them because have refused to resolve my issue by virtue of me closing the account. I have the right to cancel when a company like American Express is having its representative calling me Because my balance has reached over XXXX XXXX and it has an appearance me of me not being able to afford it. I have a clean history of paying bills on time. Provide the fact because you are not being forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I attempted to send money to my family overseas. After filling the online information section at Western Union website, it stated that I had to provide my id information. I uploaded the image and sent it to the company. Western Union website stated that my transaction was on hold because they needed my id. This time, they said send the id to a specific email address XXXX XXXX. I resent my driver 's license image again with the XXXX  number : XXXX. After a couple of hours, I got an email that my transaction got declined. I called Western Union and the associate was not able to tell me why the transaction got declined and stated that I go to a store to do a transfer.

Next day, I went to a local store to do a transfer. The store was not able to do a bank-to-bank transfer and required me to have an agent. I don't know of any agent and preferred a bank-to-bank transfer. 

Again, filled an application to send the money o my family. Again, Western union put my transfer on hold because I need to send them my id. XXXX number : XXXX. I have sent them my id 3 times and each time I send it they say, they don't see it. 
I wanted to talk to a manager and the lady on the phone was very rude and said the managers will not be able to talk at the time. 

I don't understand why Western Union is putting a hold on my transfer. It is my money and I am asking them to make a transfer and Western Union is giving me a hard time like as though, I am a criminal.

Never seen a bank behave this way to its customer.

Very bad customer service very bad service
Product: Debt collection

Hello we have problems with this company before to the point I got Georgia governors office of consumer affairs involved we had insurance in these periods they never send notification and we only find out after we check our credit this is a practice they do my wife filed a complaint about the same reason they have me on 4 different things on putting in the system as opened on same day 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX
Product: Debt collection

I have tried multiple times to show them that my trip was cancled XXXX the remaining XXXX is fraud i have sent email after email and they still keep saying i owe money i also have tried contacting original issuer they say they cant verifiey my identity they said i set up pass code and i did not i also have sent them email after email and email cancelation of trip and still nothing!!
Product: Bank account or service

On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Bank of America because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that BoA does not have to give me a reason why they closed my account. I went to the BoA branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the BoA branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in BoA because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the following items removed from my credit report due. The following items are over the 7 year and I have requested they be removed with no success. Equifax. XXXX XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX. XXXX XXXX  opened XX/XX/XXXX. I have exhausted all attempts for help..
Product: Vehicle loan or lease

15 U.S. Code 1605 - Determination of finance charge XXXX XXXX sold car cash price of XXXX and charged for doc fee XXXX XXXX XXXX sales taxes XXXX to include a XXXX Dow payment
Product: Payday loan

I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it.
Product: Credit reporting or other personal consumer reports

First of all, I don't know XXXX. I used translation software. Please forgive me if the translation is difficult to understand. In XX/XX/XXXX, I needed money and wanted to cash out a credit card. The staff of XXXX  XXXX XXXX told me that my credit score was too low and I couldn't cash out a credit card. At that time, I began to doubt it because my score was XXXX when I did a credit cash out before. So I began to suspect that my credit was stolen, so I logged into Experian to check my credit report and found that my credit score was only XXXX, so I called up the credit report. I received the credit report and found that there were many accounts, phone numbers and addresses that I didn't recognize that were not opened by me. In the end, it was concluded that XXXX bank credit cards were stolen and affected my credit score. They were XXXX  XXXX with a stolen amount of {$1100.00}, XXXX XXXX, and XXXX XXXX  with a stolen amount of {$2600.00}. Later, a case was filed at the local police station. XXXX XXXX  and XXXX XXXX  have successfully disputed in XXXX. But XXXX XXXX has not been able to dispute it. For so many years, my credit score has been affecting my life. I don't know what to do. In XXXX, the application addresses for the monthly statement process I called up were all addresses I didn't recognize. After I called XXXX XXXX, I had to confirm my personal information before I could access the account, but XXXX has now used my current information. How should I provide the earliest information and materials that were not applied for by me personally?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Consumer Loan

I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.
Product: Credit reporting, credit repair services, or other personal consumer reports

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX