23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I want to preface this complaint with I'm a XXXX XXXX, so I do understand the need of guidelines in which to approve and deny loans. I currently have approximately {$43000.00} in outstanding private student loans, these are JUST in my name, no co-borrower. I pay $ XXXX  monthly for these, as my average interest rate is 6.15 %. Recently, I tried to refinance these with the same company. MEFA is the overarching company, however they're serviced by XXXX. On Monday XX/XX/XXXX I was pre-approved to lower my interest rate to 3.80 % and lower my term two years, and keep approximately the same payment. I think it was a {$40.00} a month increase. I have as provided by MEFA a XXXX credit score, and good payment history for over a year with them ... ..as suggested by my score and I can provide proof of Both. 

I was denied due to my Debt to Income ratio, which I understand it a problem, I own a house, have a car, and student loans. HOWEVR, I'm refinancing with the SAME company and trying to lower my rate and make them easier to pay! I think this is SO SO SO wrong in SO many ways. 

I was basically told to get a co-signer or get lost or get more income. I'm not going to add a co-signer as no one should be on the hook for my college debt if I was to pass away. So, now they've basically ensured they will get more money from me for a greater length of time.
Product: Credit card

Total visa credit card has not help much on anything of my concerns, problems, then today I get notified my account was added to my credit report when the card was opened in XXXX of this year. Total Visa won't change their attitudes, mood towards me, helping, won't add my phone number to account. They think I need send a letter to XXXX XXXX address. Seems strange, most companies can update info thru passcodes, or email verification! I'm had My last string, so that's why I'm reporting them
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XX/XX/XXXX
Product: Credit reporting

I hired XXXX XXXX XXXX " XXXX XXXX '' at XXXX to act on my behalf to renagociate ( XXXX ) interest rates. On XXXX of my cards, XXXX XXXX, I chose to close the account, stop interest charges and pay off debt. I was told that this would be reported as account closed by consumer. This did not happen. Per XXXX and Equifax this account is reporting as closed by credit grantor. When I contacted the firm working on my behalf, I was told that this information is incorrect and that this has never happened. I assured them that it does and that it did. I was told that it was to me to get this reporting corrected. I have no way of knowing how to do this. This firm was paid very good money to protect my credit rating yet a problem occurs and it is not their responsibility? how can that be? I do not know how to fix!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX 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 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 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
Product: Debt collection

I received notice today that SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX has added a collection debt to my XXXX report /account in the amount of {$170.00}. This account was previously disputed and removed from my report since the account was not owned by me. This is incorrect and is affecting my report. I ask that they remove this from my report immediately and due their due diligence before reporting debts to consumers accounts..
Product: Checking or savings account

On XX/XX/XXXX, I had a fraudulent charge made by a medical assistant at my doctor 's office for {$340.00}. The charge was unauthorized. She made this charge for personal gains. I filed a police report. The police officer was able to get her to come in and confess to the fraudulent transactions. I then pressed charges. I disputed the issue with my bank on the XXXX, and they had denied me a total of four times. I pressed charges since then on XXXX XXXX. I provided all this information to Chime Bank. I also contacted the merchant of XXXX XXXX, who gave me the name of XXXX XXXX as the person who made the purchase and the XXXX XXXX where she sent the items to be delivered. All of this is documented with the XXXX XXXX Police department Detective XXXX XXXX had even gotten a confession from the guilty party I also pressed charges.
Product: Vehicle loan or lease

This car XXXX XXXXXXXXXXXX XXXX XXXX was purchased due to being coerced during a XXXX  XXXX marriage. I am not ever able to speak to a supervisor. Car was removed from credit report but they will not settle with me. I have paid 3x the cars value already and still have 2x the value to go. And now I have to keep making ridiculous payment to keep the car but will not help my credit. 

Charged way too much interest, charges late fees on a payment arrangement during covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied a paid in full letter from XXXXXXXX XXXX  to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXXXXXX XXXX  letter..
Product: Credit card

Capital One discontinued my benefit of a Year End Statement Summary associated with my MasterCard, without giving written notice or informing me of the option to opt out of this change by cancelling the card 45 days before the change went in to effect. While attempting to resolve the issue with Capital One I was informed that the Year End Statement Summary would only be provided upon request, and when this service was requested by me, I was informed that it had been discontinued. This is a significant change in my and others opportunity to benefit from the use of this service.
Product: Checking or savings account

My name Is XXXX XXXX and I am a XXXX XXXX XXXX, I opened a account with Chime Bank and my pay would be deposited through XXXX pay to my account from the person I drove for ( XXXX XXXX ). On XX/XX/2020 I received my pay of XXXX dollars and XXXX XX/XX/2020 a withdraw of {$1000.00} dollars was put threw on my account. I never authorized anyone to with draw XXXX dollars from my account. I never sent XXXX dollars to ANYONE. I never purchased ANYTHING for XXXX dollars. I Reported the transaction to Chime Bank and went threw all their hoops TWICE! They closed my account and you can't call them unless you have a open account. You can only contact them threw email once your account is closed and they have denied that there was ever any wrong doing to my account and refuse to fix this. Last time I checked {$1000.00} dollars was Grand Theft but no one in that bank wants to help fix it and even worse we can't see my account history because they shut it off.. I will attach all email conversations with Chime Banks Support Department for you. After I have done a little research I have discovered I am NOT the first person CHIME BANK has done this to. Please help me in this matter, {$1000.00} doesn't seem like a lot of money but to me and my family at XXXX IT IS.
Product: Student loan

My student loans are through XXXX and ACS. XXXX is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying XXXX. The increased amount is equal to my food budget and now, as a XXXX year old, I am being forced to determine if I pay the increase or do I not eat? Is there any way you can help me?
Product: Credit reporting or other personal consumer reports

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 Dispute and Request for Deletion of Inaccurate Accounts To Whom It XXXX Concern, I am writing to formally dispute and request the immediate deletion of the following inaccurate accounts from my credit report, as they do not belong to me, and I do not owe these debts : 1. Account XXXX : XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is my right to ensure that the information contained in my credit reports is accurate and reflects only valid debts that I am responsible for. These accounts are erroneously reported and do not pertain to any financial obligation of mine. 
I kindly request Equifax and XXXX to investigate this matter promptly and to delete these accounts from my credit report within the timeframe mandated by law. Please provide me with written confirmation once these accounts have been removed from my credit file. 
Enclosed with this letter are copies of documents supporting my identity and the discrepancy in reporting. I also have attached the final payment I made on XX/XX/XXXX, following XXXX XXXX in XXXX of XXXX. I have also returned all equipment Spectrum following the transfer of my services, for which I was supposed to receive an account CREDIT. 
Thank you for your immediate attention to this matter. Please contact me at the above-listed phone number or email address if you require any further information. 
Sincerely, XXXX XXXX Attachment : - Driver License - Copies of the new account I obtained on XX/XX/XXXX - Copy of the debt paid to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Discover card was closed on XX/XX/XXXX for 18 months of inactivity. Because I had never used the card they did not have to notify me in advance of my account closure. Obviously closing a {$12000.00} line of credit will hurt me even though I did nothing wrong except not use my available credit. They should be required to provide notification.
Product: Debt collection

This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.
Product: Credit card

CAPITAL ONE CREDIT CARD I HAVE INQUIRED THREE DIFFERENT TIMES ABOUT INTEREST AND MINIMUM PAYMENT REDUCTIONS ( MOST RECENT XX/XX/23 ) THEY OFFER HELP AT A HUGE RISK. THEY WILL NOT REDUCE INTEREST, THEY WILL HOWEVER LOWER YOUR MONTHLY MINIMUM PAYMENT, IF THEY DO THIS YOU WILL BE CHARGED LATE FEES, RESPONSIBLE FOR PAYING BACK WHAT YOU COULDN'T PAY AND BUY THIS TIME YOUR MINIMUM PAYMENT IS ALMOST TRIPLED. MINIMUM MONTHLY PAYMENT IS XXXX TO XXXX ROUGHLY A MONTH. THEN WHEN INTEREST IS CHARGED IT IS A WOPPING XXXX TO XXXX ( ROUGHLY ) SO IF YOU CAN ONLY AFFORD TO PAY YOUR MINIMUM PAYMENT ONLY ABOUT XXXX GOES TO PRINCIPAL. I UNDERSTAND APR 'S AND SUCH BUT THERE NEEDS TO BE BETTER PROGRAMS FOR HARWORKING PEOPLE WHO PAY THEIR BILLS ON TIME AND WHO ARE LIVING IN AN ERA WHERE INFLATION IS THE NEW NORMAL. CAPITAL ONE IS A HUGE BUSINESS HOW ARE PEOPLE EVER GOING TO COMEBACK TO A NORMAL AVAILABLE CREDIT LINE IF SO MUCH GOES TO INTEREST AND YOU CAN ONLY AFFORD THE MINIMUM PAYMENT IF THAT SOME MONTHS.
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 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

A transaction to transfer {$200.00} to a recipient in XXXX was initiated by me on XX/XX/XXXX using my Xoom account. This money was to be deposited in the recipient 's bank account which I thought was a more secure process than a cash delivery The recipient didn't receive the money his bank account on XX/XX/XXXX as promised by Xoom based on the transaction fee that I was charged. I followed up by calling Xoom and was told the transaction has gone thru '. I also tried checking the transaction details online by signing into my account to make sure all the details were accurate. However, the recipient information was only partially available at this point. I could only see the name and the residential address but no bank details. 
I called again and also emailed Xoom cutomer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Xoom continues to say the transaction has been completed but the recipients has not received the money till date. Xoom has failed to share the bank statement. Also everytime I call I have to start explaining the issue all over again. There are no notes added or collected when each call is made. Every call is over 45 minutes with NO RESOLUTION!! 

I would like to know what happened to {$200.00} and the fee I paid.
Product: Debt collection

This company keeps contacting me for debts that are my ex-spouses, I am not responsible for these debts and held harmless from them, this is justified by the court order signed by the judge, they are also reporting them to my credit report and I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my dispute of 2 questionable reportings from Chase Bank via certified mail # XXXX and # XXXX was signed. The account is being reported as charged off for {$5400.00} and {$3700.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of these accounts that are being reported to all three credit bureaus.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have been mailed statements ( with no signatures ). I mailed 2 more certified letters via certified mail # XXXX and # XXXX and they were delivered XX/XX/XXXX requesting the validation. 
Please see attached dispute and supporting docs. My dispute requested that Chase Bank provide the substantive information used to verify and authenticate the purported account. The failure to report the items " disputed '' with in 30 days constitutes an immediate removal of this item from my credit report ( time stamped credit reports 31 days after Chase Bank signed for the certified letters ). Per federal regulation these items must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Checking or savings account

Chatting in about complaint XXXX I still need help Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX XXXX my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX I still need help closing my account out I never received the code in the mail. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX / XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

HP Sears is a debt collection company affiliated with XXXX XXXX XXXX XXXX. 
HP Sears as listed a debt for the amount of {$1300.00} which they claim I owe to XXXX XXXX XXXX, I contacted the XXXX XXXX Office they stated that I owe located at : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX by telephone at ( XXXX ) XXXX. 

I spoke to one of the office assistance there and she could not locate a file or account for me. I called back and spoke an agent with HP Sears after speaking to XXXX XXXX who again verified by phone that the account was with the XXXX XXXX XXXX XXXX office listed above. 
I have not been in a XXXX XXXX office since 2016 and the bill was paid through my employer at the time which was XXXX XXXX XXXX. 
XXXX XXXX, XXXX can not find a file or locate an account with my name or birthdate therefore, I would like the {$1300.00} debt that HP Sears as falsely placed me ruining my credit.
Product: Payday loan, title loan, or personal loan

I took a loan out with this company in XXXX of XXXX for a small amount of XXXX. I also used the MoneyLion Plus membership. 
I paid this loan bi- weekly every Friday until my last payoff. I made my last payment on XX/XX/XXXX of {$44.00}. That day I also cancelled my MoneyLion membership and withdrew my MoneyLion investment balance. I thought everything was clear until I pulled my credit report and it keeps showing I never paid. This is a damaging remark toward my score. I have tried to dispute this faulty claim and they now are showing my account as last due and delinquent.