23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.
Product: Debt collection

I have disputed this with the credit agency that just informed me this was added on my credit file, this is an unknown debt which I believe is inaccurate, requesting full validation
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXXX/XX/XXXX according to XX/XX/XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX Bankruptcy XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXXAccount Number : XX/XX/XXXXAccount Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXX/XX/XXXXAccount XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XX/XX/XXXXAccount Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX XX/XX/XXXX Account XXXX : XXXX Account Name : XXXX XXXX XX/XX/XXXXAccount XXXX : XXXXXX/XX/XXXX: XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX
Product: Checking or savings account

I was recently a victim to fraud where a company I never heard of charged my card {$580.00}. I made a claim with my bank ( Bank Of America ) and they put the funds back in for me but I just got a letter saying that my claim was denied and now they are taking back the temporary claim.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company name XXXX XXXX, sent unsolicited mail package, and then periodically kept mailing {$49.00} bills. According to the Federal law, a company can't send bill or debt collection notice for unsolicited order. However, a debt collection company, named Universal fidelity LP, on behalf of the aforementioned company ( contact address below ) keep mailing to pay up for the unsolicited item. In this era of XXXX no company ever send out packages/shipments to the recipient without credit/debit card information on file. I never ordered anything from XXXX XXXX, didn't even hear their name before receiving the mail. This is a clear case of scamming scheme. Please take action to prevent unsuspecting civilians from this type of scammers. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX Universal fidelity LP XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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: Debt collection

have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Student loan

Sometime this year ( XXXX ) my Student Loans were transferred to XXXX XXXX Aidvantage. I noticed that I had several small loans showing for the University XXXX XXXX, which I attended in XXXX. The small loan add up to around {$26000.00}. I knew that could not be right. So today, XX/XX/XXXX, I contacted the University XXXX XXXX. The registrar confirmed I attended only one Semester which was fall of XXXX. The Bursar confirmed the same thing. Per the Bursar, the total amount of loans I took out was {$1300.00} or around that amount. I then contacted the Financial Aid office. Per Financial Aid, the total amount of loans I took out was around {$6000.00}. None of the figures the University XXXX XXXX presented to me, totalled nowhere near {$26000.00}. 

Per the University XXXX XXXX, I was told to contact the Servicer. But the Servicer, Aidvantage, has been unavailable. The calls just disconnect and go straight to the survey. No one ever answers. Its been that way for some time. I need Aidvantage to remove the extra loans they show from the University XXXX XXXX. These loans are inaccurate. 

I also highly suspect that previous to the University XXXX XXXX I had schools that overcharged me or that submitted duplicate loans. I need all of these loans corrected and or removed.
Product: Credit reporting or other personal consumer reports

My experian and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2.
Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.
Product: Credit card or prepaid card

I applied for a COVID waiver for my Shell card issued by Citibank in Mid XX/XX/2020. I was granted the XXXX waiver for a card that has a closed acct. got a late fee on card I wanted the waiver applied. Called CS got the waiver put on correct card XXXX partial late fee removed. XXXX XX/XX/XXXX {$27.00} XXXX waiver period good for XXXX & XXXX payments resume XX/XX/XXXX. I was told that Shell would just suspend minimum {$27.00} for the next 2 billing cycles with no late fee or penalties. ( Interest continued to accrue ) I scheduled {$30.00} for XXXX XXXX thinking it would be back to min payment status. Apparently Shell wanted the 2 months waived for a XX/XX/XXXX payment of {$54.00}. After incurring late fee XXXX XX/XX/2020 ) for not sending the full amount, having my card locked so I couldn't make a payment till I was allowed to make a payment. XXXX {$24.00} XXXX XXXX ) reversed ( XXXX XXXX XXXX My basis of the complaint is- I was granted a hardship waiver so I could buy household essentials such as food during this pandemic & lack of income due to COVID. I wasn't aware I was supposed to save that money so I could meet the XX/XX/XXXX payment of {$54.00}. My financial situation has barely improved yet Shell/Citigroup want to continue my financial stress by imposing a waiver that doesn't help much if one can't use the temporary relief. I don't know for sure but I wouldn't be surprised if many other financial institutions have the same procedure. Customers should have to only pick up were the payments left off at the minimum not double at the conclusion of the waiver period.
Product: Vehicle loan or lease

I took out an auto loan with capital one for XXXX on XXXX XXXX with my payment being a little over XXXX. The loan was for 74 months. I have paid XXXX dollars on that loan which is significantly reducing the life of the loan but I am currently dealing with a financial hardship right now and they are not Even trying to work with me on an extension or lowering my payments at all.. I put XXXX down on my car and paid XXXX on my loan so Im really trying to not lose my only vehicle for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus ( XXXX, XXXX, and Equifax ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Initial claims period claim for money spent in connection with the Equifax Data Breach Settlement.I complete the request an submit proof of damages.The misleading information states the information is incomplete which I know to be untrue. The facts don't support the settlement Administrator comment and need to be addressed as fraudulent .... Claim Number : XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint against SageStream LLC for the same problem. CFPB closed my first complaint on XX/XX/2020 with the reason being SageStream LLc has done there part and contacted me. This is not the case. After receiving an email from the CFPB I have since called SageStream LLC ( as per their direction in their response to my 1st complaint ) no less than 5 times per day on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and each time I have left a message with the details requested by SageStream LLC on their recording because they do not answer their phones EVER. Their recording states that all calls will be returned within one business day. I have not received a single return phone call to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2019 in XXXX my acct was brought out but XXXX for me to come over on the deal they had and gave them the info to pay and never was paid and now charging me
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2022 I had problems with living into my online mobile bank because my Cell phone was off I couldnt complete the XXXX step versification to get into my account and I couldnt reset my password either I been calling my bank all day trying to get them to help me log in but they said its noting they can do because they cant go past that XXXX step verification process so I wasnt able to log into my account all day until later in the afternoon I had someone pay my phone bill so I can reset my account long story short I had my pension money deposit into my account today it loaded in my account around XXXX sometimes I still was having troubles logging into my account by the time I was able to get into my account almost XXXX all my money was gone someone had logged into my account in moved my money from my checkings account into a credit builder account I never ever use and made a transaction XXXX  XXXX XXXX for {$810.00} which was all of my money i immediately called my bank addressing the situation I have no money that was my pension money from my job I have no money yesterday was my mom XXXX XXXX anniversary that she been XXXX I couldnt go to the grave yard in visits because some one hacked into my account in stole all my money how this happen I dont know but its funny how they prevented me from accessing my account all day then when I finally do some one else gets access and was able to make out with my money I never use This credit card my bank is chime they have the online virtual card the same as the physical card which you never ever do the person who hacked my account would have been unsuccessful had the virtual been different for every debit card they never give the same card info the virtual card be like something you can use temporary until you receive the physical card them once you activate the real card you can no longer use the virtual now thats how the hacker did it they transferred my money from my savings to the credit building card and made the virtual card to they XXXX XXXX cause its the same information as the real card this person doesnt have the real credit card nor do they have any of my passwords I dont know how they logged into my account but people know how to do these things I received emails from chime saying someone logged in my account XXXX times yesterday from a XXXX and in different locations XXXX was in XXXX XXXX I live in XXXX this is crazy they took everything I had in one XXXX to XXXX XXXX or XXXX XXXX I need my money back to survive that was my pension money I cant wait months while they think about it I need my money immediately I have XXXX children in my house hold that depend on me I please help me I feel so violated chime security system seems like its only XXXX at stoping me from doing something because how they keep me out but let someone else get in and steal all my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Product: Credit card

this company has violated my private data its been breach and sold to the XXXX, XXXX, and XXXX i ask them for the original contract has yet to produce and also i never lived at that address so my signature was fradulently used Account number XXXX it started XX/XX/year> is the only information i have because i found the info on my consumer report
Product: Debt collection

I had a minimum balance of {$48.00} from my XXXX  doctor which honestly I didn't know about. However upon checking my credit recently, I notice it was posted on my credit as a negative. I immediately reached out to the company and told them I was unaware of it and I made the payment. I am in the process of doing something that requires my credit report and this mishap has affected it tremendously. 
XXXX XXXX XXXX ... .account type Collection ... terms 1 month ... .XXXX2014 ... .closed ... late ... .. {$48.00} ... original amount {$260.00} ... original creditor XXXX XXXX XXXX
Product: Credit card or prepaid card

BILLING ERROR! I am concerned that the payments I have made to the company are not applied properly. I made a payment from my navy federal card. The ACH PAYMENT for {$10000.00} was RECEIVED on XX/XX/2023 and posted to my credit card. After five days I checked my account and saw the balance was extremely high. I saw the payment that was made and cleared on my credit card back on the account " PAYMENT REVERSAL WITH BACKDATE '' After five days. I contacted navy federal and they told me they could not find an account that I made the payment with. Navy Federal never credit your credit card account until they receive payment from your bank account and then they will post the credit to your account. Attached is the Navy Federal Statement showing they received the ACH payment from my bank account. This response is not a refusal to pay, this is our conditional acceptance proof of REVERSAL PAYMENT. Navy Federal refused to resolve the problem. I would like Navy Federal to correct the billing error and credit back my credit card for the {$10000.00} I paid on XX/XX/2023. Furthermore, report payment to the three credit bureau with the corrected amount!
Product: Credit card or prepaid card

On XX/XX/2022 my credit card was fraudulently used in a different state for a purchase of {$1100.00}. I was notified of unusual charges on my account by Wells Fargo ( card issuer ) the following morning. There were a total of 4 attempted transactions and of the XXXX, XXXX of them were declined by the card issuer as they suspected fraud. I confirmed that these charges were not mine as soon as I saw the alert and the issuer immediately removed them from my account. After completing what was supposed to be an investigation, the bank made me aware that they believed those transactions were legitimate and were completed by me. Called back again letting them know of the apparent error and they proceeded to reopen another claim. To my surprise this and the subsequent investigation were both closed, informing me that, because I had my credit card in my possession, they must have been me and the charge was reinstated to my account along with interest on the charge. In several recent conversations with the fraud claims department I have ask for this to be escalated, I was assured I would receive a call within XXXX4-48 hours from the executive office, as they have the ability to look further into a claim. It has currently been over XXXX hours. I called in again this evening to check on a status of the request. I was told that it is only assigned within XXXX hours ( which would have been yesterday ) but this was not assigned to anyone yet and to call back Monday and hope it has been assigned. I was hung up on after that. I am only requesting that the bank actually looks into this claim far enough to see that this charge is fraud and remove it from my account along with any interest that has accrued. I have filed a police report in regards to the charge and a detective has the receipt from the transaction. I am out of options and am exhausted from the bullying of a customer by my own bank.