23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX as i was checking my accounts with Chase Bank online i noticed that {$4000.00} was withdrawn from my savings account which i did not withdraw myself. I also noticed that there was a new account number which i was not familiar with and which was showing a balance of {$4000.00}. i immediately called Chase Bank to report what i had just noted with my account. i was informed that they ( Chase ) would close down the account immediately so nobody else could access it but that i had to go to a physical branch as well.I did go to a branch eventually and XXXX ( i believe that was his name-not really sure ) had me speak on the phone with somebody ( i did not get a name ) who interviewed me about what i had observed with my account and i was given this confirmation # XXXX i was informed that i would receive a check for {$4000.00} in about 7-10 days. On XX/XX/XXXX I spoke to XXXX ( since i had not received the {$4000.00} check yet ) and was informed again that i should receive the check in 7-10 days. On XXXX XXXX i called Chase and spoke to XXXX who after checking the confirmation # XXXX informed me that i should receive the claims check in 7 days. On XX/XX/XXXX i again called Chase and spoke to XXXX who informed me that she would check into it. On XX/XX/XXXX i again called Chase and spoke to XXXX who could not give me a definite answer so i then informed him that i would file a complaint with the XXXX XXXX XXXX  which i did on the same day. I got a message from XXXX ( Chase Executive Office ) on my cellphone on XXXX XXXX stating that she would be the one handling my case and gave me case ID # XXXX. I called her back on XXXX XXXX and she stated that she would look into it and get back with me. She made the comment '' i don '' t know why they did not just put the money back into your account '' which i informed her that i myself had mentioned that to the previous people ( employees ) that i had spoken to regarding this situation. On XXXX XXXX i called XXXX and she informed me that she had not received any information yet but would check and call me back. On XX/XX/XXXX. XXXX i attempted to call XXXX again but got her voicemail on which i left a message informing her that if i did not get an acceptable response then i would file a complaint with the Texas Attorney General 's Office. I called the XXXX XXXX XXXX  on XX/XX/XXXX to ask for an update on the complaint that i had filed with them against Chase Bank and was informed that they actually had resent the complaint to Chase  on XX/XX/XXXX because Chase  had not responded to the first complaint that was sent to them. And as of XXXX XXXX i have not received anymore response from Chase Bank. I am going to be out of the country starting XXXX XXXX and will not be back until XX/XX/XXXX at which time i might not be able to communicate with you or anybody else regarding this situation as i can not guarantee that my phone or computer will work at the place where i will be going.Hence, the urgency of this situation. It is my hope that you can assist me in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Student loan

I have student loans from Department of Ed and it is serviced by Fed Loan Servicing. Since completing my graduate degree, I've been working for public service employers in higher education, state, and federal agencies. Thus, I'm currently pursuing the Public Service Loan Forgiveness ( PSLF ) program. However, when I begin my career back in XXXX and contacted Department of Ed and Fed Loan Servicing for information about repayment options, I was not provided with information about PSLF, even though I was working for a qualifying employer. When I contacted Fed Loan Servicing again in XXXX, after postdoc and securing an employment, I was steered towards forbearance due to financial hardship and was not given accurate information about income-driven repayment plans and PSLF. Had I known about PSLF and income-driven repayment plans back in XXXX, I would have taken advantage of the program and begin the process. Thus, I lost 14 eligible payments towards the 120 total needed for PSLF in XXXX. This was due to Department of Ed and Fed Loan Servicing not provide information, providing inaccurate information, and steering me towards forbearance without providing me with information of other options such as PSLF.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I have been using the XXXX application for over XXXX  years. It is a peer to peer lending site that portrays itself as looking out for its customers, being low apr etc. 
When you request a loan you go through a few step process where you select your loan amount. It then asks you how much you would like to tip the lender which can be any amount. 
It THEN asks you how much you want to give as a XXXX donation being a donation you are giving to the company for the service. The lowest amount shown on this screen is 7 % - you are not able to select XXXX or a lower amount. It makes it seem like it is a mandatory part of the loan. 
Therefore I expected it was and always selected the lowest option being 7 %. 
I have taken XXXX loans with this company since 2020. 
I have just realized within the past few weeks that you can go and toggle donations to off within settings so that it does not force you to give a donation during the process I feel like this is highly deceptive- I would have never give donations if I knew this was an options. 
I have ended up giving thousands of dollars of donations to this company. 
Obviously I wish I didnt have to resort to those loans but I feel like this company is taking advantage of those in poor financial situations. 
I see now on their website that they try to make it more clear that the donations are optional because people have complained but I joined in 2020 and I feel certain back then they did not make this clear. 
I see multiple states have forced them to return the tips and donations to its customers and now your organization has filed a lawsuit. 
I am requesting XXXX be forced to refund me all donations that I have given to the company. This is totaling in the thousands. 
I sent a request to them yesterday and have not heard back. 
I wanted to provide my complaint to you and also hopefully you are able to assist me In this matter.
Product: Credit reporting or other personal consumer reports

Capital One Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital one and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This Quick Silver account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted one of my Quicksilver credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with capital one, my bank info with them also got mixed together with this other customers ' I have been given access to her ( s ) account though out the years yet no one can understand its not me this other customers account is even in a different language.
Product: Vehicle loan or lease

CRASHED MY CAR WITH FULL COVERAGE AND THE DAMAGE WAS MORE THAN WHAT THE CAR WAS WORTH. I HAD GAP INSURANCE INVOLVED ( XXXX XXXX XXXX XXXX ) WHO LEFT ME WITH A {$2000.00} BALANCE THAT I SHOULDN'T HAVE HAD TOO PAY IF I HAD GAP INSURANCE. I NEED HELP BECAUSE ITS MESSING UP MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, Debt Declaration Letter, and cease and desist. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Product: Bank account or service

Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX XXXX XXXX, XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n 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

I cosigned with a ex- girlfriend back in 1999 for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Ala . Within 2-3 months, I had to take the car back from her and return it to dealership. I didn't hear anything about me owing anything after that, Until My Ex had passed away, Then I started to get a lot of threatening phone calls and letters, At home and work! The law firm XXXX XXXX XXXX in XXXX, fAlabama told me that because they could not collect anything from my ex-girlfriend, That I had to pay something like 10 to 12 thousand dollars, Plus around 8000 in Interest!!! So I tried to pay around 200 - 250 a month!

And I have been paying at least 100 a month since they said they were going to sue me a few years ago! I have requested numerous times for them to send me a correct balance, And a running log of what I have paid them, And what is actually owed on my account!!!! 

They have never responded to my request! 

They have filed a garnishment of my wages in the XXXX County Courts ( Mobile, Alabama XXXX I was never served court papers, And I found out only by getting a simple letter from the court in my XXXX. XXXX, After the courts had the garnishment approved. 

So, I never had a chance to to court And present my case in front of Judge or Jury! 

I believe this was simply some old debt, That they bought from another company, And threatened me to pay, Without me even speaking to the original creditors, XXXX XXXX XXXX, dba Ford Motor Credit ) I truly think this is " Unjust '', And I have asked them a number of times, Just to take me court, And let 's see what a Judge says about this old debt! That I believe was charged off by XXXX XXXX, dba Ford Motor Credit years ago!!! 

I have other means to resolve this issue, without your help!!! 

Collection Lawyer Contact : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama. XXXX ( XXXX ) XXXX I'm currently not working, And homeless, I staying between the XXXX XXXX in XXXX, Alabama, And sleeping in my XXXX, And the XXXX XXXX! 

This collection lawyer, Has been threatening me about this car that I returned to the dealership over 20 years ago, For at least 18 years, And I thought by trying to pay this old debt was the right to do, This is the only reason I made any additional agreements to paying anything to them!!! I was mislead about this car loan debt, From the very beginning. 

The sticker price on this car was only 8 to 9000 dollars, Brand New car, Back in 1999! 

I have never got a statement, or running balance from XXXX XXXX XXXX, After many requests for one!!!!!

I hope you and your company can help me investigate this issue, That is definitely not fair to me, And probably many more consumers in this country!

Thank You, & God Bless!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama XXXX ( This is where I receive my mail, Because of being XXXX ) Email - XXXX Phone # ( XXXX ) XXXX Thank You!
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 differenceXXXX 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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I applied for the Forgiveness Loan Program on XXXX/XXXX/14, I was given an acceptance letter from FedLoan Servicing. I contacted them today, spoke with four different customer service reps and no one is doing their jobs. They are too busy asking for social security numbers over the phone. I need the letter now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this inaccurate account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be repaired : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at XXXX and experian they wouldn't take care of the negative inquiries reporting on my credit report
Product: Credit reporting or other personal consumer reports

Alright. Here is the REAL problem I have with FICO, Experian, XXXX and XXXX. By the way, I just wrote to FICO and vented my frustrations on the UNFAIR practices that ALL the credit reporting agencies are doing to us all when it comes to credit score updates. Got an email from FICO saying my XXXX card account has gone up. My score DROPPED more than XXXX points!! YET, I made a XXXX dollar payment to XXXX on my card and I still have my score lowered!!! I'm getting tired of the way ALL the credit reporting agencies are being UNFAIR in the fact that when a consumer makes a small purchase on a credit card, within days ... a score will go DOWN anywhere from XXXX points!!! WHY, a stinking credit card is MEANT to be used, THAT'S WHY they are there!!! TO USE!!! Make purchases!!!!! TO HELP BUILD CREDIT!!!!! I have worked hard to get my credit card debt DOWN!! Trying my best to get my score UP and I'm getting there! I PAY my cards MORE than the recommended amount and on time! WHY can't changes be made across the board on ALL the reporting agencies on HOW credit numbers are scored, not DING a consumer XXXX points every time a stinking credit card is used. To ME, have an EXCELLENT payment record on ANYTHING we purchase whether it's a car, home or a CREDIT CARD, if a person is paying ON TIME and PAYING MORE than required, make that percentage higher! What can change in our society with FAIR credit reporting by all the bureaus when it comes to FAIR scoring of OUR credit scores??? I for ONE like millions of others are probably XXXX XXXX with the credit bureaus and FICO in their UNFAIR scoring processes. Can someone respond back!! I'd LOVE to hear a GREAT answer on this on POSSIBLE changes with CREDIT, quicker credit report updates and REDOING the credit SCORING process!!! 

Professionally yours, XXXX
Product: Consumer Loan

My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this acct ending in XXXX 2 times for several late payments being reported for XX/XX/XXXX, XXXX, XX/XX/XXXX, and no payment listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the acct which are inaccurate. 

The 1st dispute was done online and equifax is telling me that the verified all these late payment no payments are accurate from their investigation.So 2nd dispute was done by us mail and i mail documentation that included billing information that verifies payments for the acct to equifax on XX/XX/XXXX, a month had passed and i never received any response to my dispute. 
On XX/XX/XXXX i called equifax customer support number and ask for status of my dispute, the customer service rep said there is nothing showing in their system for my dispute, i explained to her my tracking number showed it was delivered to XXXX XXXX XXXX in XXXX, XXXXShe said she would transfer me to consumer affairs once someone in that dept becomes availble, i ask her if she has ever seen this happen before, she said " yes '' .After aproximately 20 mins, i was transfer to a consumer affair rep, who did some checking and said we dont have a dispute in our system, i explained to her the post office tracking number for the letter shows it delivered on XXXX suggested i send another dispute, i told her that F.C.R.A specifies 30 days and this is already day 35.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,