23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by  XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.
Product: Money transfer, virtual currency, or money service

My son made a purchase on XX/XX/XXXX on XXXX. About 1 minute after the purchase, the seller cancelled the order and proceeded to charge my PayPal credit account in the amount of {$120.00} for the item ( a video game console ). I immediately contacted PayPal and let them know about the fraudulent charge made to my account. They said I had to file an online complaint/dispute. I filed the complaint/dispute and after a month they claimed that the seller provided them with " shipping information '' showing I received the order. I contacted XXXX and found out that the shipping information the seller provided was for an unrelated order made to an unrelated buyer ( which happened to be in the same city that I live in ). I proceeded to contact PayPal again and let them know the shipment information provided by my seller was " fraudulent ''. They said I had to file another claim and attach documentation proving my claims. I did so and provided them with the XXXX  tracking number and showed them that it was connected to a different purchaser/seller. Again yesterday on XX/XX/XXXX they got back to me denying my case. I have spent countless hours trying to reach PayPal, contacting XXXX XXXX  who issues the PayPal credit cards as well as contacting XXXX   and XXXX. Paypal refuses to refund me for this fraudulent charge. I have attached yet again the XXXX   proof which ties the seller 's provided tracking number to an unrelated seller/purchaser. It is not me, not my address and nothing to do with me.
Product: Checking or savings account

Claim number:XXXX  Dear Wells Fargo Customer Service XXXX I trust this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 

As my husband informed me that he had lost his wallet, which unfortunately contained not only his ID but also my Wells Fargo debit card. Disturbingly, someone gained access to the wallet and attempted to drain funds from various cards, including my Wells Fargo debit card. 

As a responsible account holder, I promptly contacted your customer service upon noticing these unauthorized transactions while they were still pending. Our immediate goal was to dispute the charges and prevent any further financial loss. 

This situation has added a layer of complexity and urgency due to the involvement of my Wells Fargo debit card. I believe the bank has a significant responsibility to protect its customers from fraudulent activities, especially when circumstances involve the loss of personal items like wallets. 

The unauthorized use of our funds has significantly impacted our financial stability, and we had hoped that Wells Fargo would take the necessary steps to rectify the situation. As I refuse to pay out of my pocket for the fraud I had done nothing. Thats not the kind of service I expected from the bank I trust with my financial and its not the kind of service any bank should be provide. I kindly request a thorough reconsideration of our dispute, considering the circumstances surrounding the loss of the wallet, the unauthorized transactions, and the urgency with which we reported them. 

We are fully committed to cooperating and providing any necessary information to support our case. Your prompt attention to this matter is crucial, and we trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through XXXX XXXX  that was set up i. auto pay XX/XX/2022 before any purchases were made. I called XXXX XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts being reported thru XXXX XXXX  BANK thru all XXXX credit reporting agencies XXXX EXPERIAN and XXXX. these accounts were open fradulently onine with someone that stold my wallet and stold my personal identifying information that was inside such as my XXXX ID card and my social security card. These accounts have been reported to XXXX POlice Department for further investigation. I do not own these accounts and I would appreciate it if you remove all this debt from my credit reports. It is innaccurate and the information is not my ownership. This is not fair as my identity was never verified prior to the opening of these accounts. PLEASE REMOVE IT FROM CLOSED from all XXXX credit bureaus. This is the information to whom has my idenity information and is reporting this fradulent acconts on my credit report. PLEASE REMOVE THESE PROMPTLY. im willing to do whatever i need to submit to you proof that this does NOT belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX BANK XXXX XXXX : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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
Product: Student loan

I submitted an income based repayment plan recertification with my new student loan borrower XXXX XXXX. I applied for pslf and they stated that They were going to send my loans to Pennsylvania higher education because they were the ones that handle the loan. I submitted my request within the 3 month window. And they responded stating that my idr request was denied because I submitted the request too early. Now I have to resubmit the request as the time is within 2 weeks of needing to have the certification before i am taken off my idr plan. This will increase my monthly payments to an amount I am unable to pay. They also said for the correspondence I would have to wait for the document to come in the mail before I could dispute their claim. It stated on studenloan.gov that when I filled out the request it could be used for the future date when my recertification was due. It appears the company is denying my request close to the time they will be able to remove me from my income driven repayment plan.
Product: Checking or savings account

On XXXX an amount of {$1300.00} and on XXXX and amount of {$1300.00} were deducted and transferred from my DEBIT account to XXXX accounts whom I have never sent money to before nor do I know who these people are. I had initially filed a claim with my bank but nothing had happened they said it was a lost case due to it being under XXXX. I had left the country and now I'm back and I still need to get these funds back. I thought this issue would be resolved. I have no idea how these funds were transferred to these people I tried contacting them but nobody answered me. I hope it wasn't a link I pressed or anything because I had never lost my phone or gave anyone my phone to use so I have no words to how this could have happened. 

The XXXX  transfer confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.
Product: Consumer Loan

In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2020, I contacted Chase Credit Card Services to pay off my credit card and close my account. After 9 years of on time payments, I asked if they could take some of the interest off that I had incurred the previous month. The company offered to take {$600.00} off the total amount and remove the debt from my credit score. I payed the new amount owed and closed my account, happy with the customer service I had received. 

Approximately 14 months later, it has come to my attention that Chase did not actually take {$600.00} off in interest for customer satisfaction but instead reported the account as " settled without paying in full ''. This caused my credit score to drop by 80 points and is unable to recover for 6 years. 

Furthermore, upon contacting the company they advised there was nothing that could be done due to me agreeing to a " settlement ''. I asked if I was provided anything in writing or verbally about the ramifications of settling, and they stated it is not there responsibility to inform customers that a settlement would be reported negatively on a credit score. 

I have attempted to pay back the {$600.00}, I thought was a courtesy, in order for them to report the account as being paid in full, but they are refusing.
Product: Credit card

Hi, My friend refereed me for Discover Credit Card and me & my wife jointly applied for the credit card. We XXXX in XXXX 2016 & I hold other bank credit card since XXXX 2016 with good history. But my discover credit card was rejected saying " No long Credit History ''. 

But the person who refereed me + other person from my company got Discover credit card XXXX within 2/3 months, applied to Credit Card & they got it WITHOUT any history of Credit / Credit card. 

It seems either out of discrimination Discover card is not approving my Card OR they are not letting me know the correct reason for not approving my card. I had filled the complain with their call center but not getting any proper answer from them
Product: Credit card or prepaid card

Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust. 
In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account. 
Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX. 
While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on. 
I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time. 
I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX. 
Thank you
Product: Money transfer, virtual currency, or money service

I was tale that money will be transfer from my Merrill XXXX  account into my bank of america account. However it did not happen. This transfer was suppose to happen 3 weeks ago. Nobody responding from Merrill edge.

Another problem is with Roth IRA account. It was forced liquidation of CD that did not matured yet. They did not let CD to mature and they give me much less money that I played for CD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed  XXXX  and   XXXX   XXXX   should not be reporting this account
Product: Credit reporting or other personal consumer reports

My transunion and Experian reports both shows XXXX as my score but XXXX is not updating my score and shows XXXX. 
I have credit cards that are showing I owe full balance on that I have paid off or owe only {$20.00} on and that has not been updated. Without this information updated I can not get a house loan.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XX/XX/XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XX/XX/XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Student loan

I am on the Pay As You Earn plan. It caps my payment at 10 % of discretionary income. Today, Navient informed me I now owe over {$300.00} per month. This would mean I have discretionary income of over {$3000.00} per month which is absolutely not true. They are not properly processing me through the plan and this should be investigated please.
Product: Debt collection

To Whom It May Concern ; This to file a complaint to XXXX XXXX Apartment located in XXXX XXXX XXXX XXXX CA XXXX, this an apartment facility where we leave for a year from XX/XX/XXXX to XX/XX/XXXX. I have all copy of all the payments that i made thru my XXXX XXXX checking account as a proof that i am paying my monthly apartment rental since start to the end of my contract on XX/XX/XXXX. 

Last XXXX months ago, I received a call from Genesis Collection agency advising me that i have a debt or unpaid bills from XXXX XXXX Apartments amounting to {$XXXX}, this is unpaid mortgage rentals from XX/XX/XXXX to XX/XX/XXXX at first I thought that it was a prank or sort of prank calls that wanted my Name and my personal information but when I double check it thru my credit karma account and XXXX, the Collection agency was on my account as well as my credit score abruptly affected on this credit reporting. 

Since last month I tried calling the XXXX XXXX apartment but they are not cooperative and insisting that I am responsible for the debt. I am explaining to them that how that possible for me to rent an apartment in XXXX XXXX while I am working in XXXX XXXX since XX/XX/XXXX to present and left the XXXX XXXX Apartment on XX/XX/XXXX. 

I called the Corporate office of the XXXX XXXX XXXX but I had the same treatment with no cooperation at their side they advise me to call collections agency and to pay for the debt amounting to {$XXXX}. I think that this Apartment Facility, XXXX XXXX didnt ask any documentation from the renters who replaced us when we finished our contracts, they asked the new tenants to use our personal information to rent the apartment, since the new Manager XXXX told me over the phone that they used the same XXXX XXXX and always pays cash every month and issued a receipt to the tenants under my name, and I saw to from the letter from the collection agency my name and the full details of the account. 

So I wanted to file a complaint to this Apartment facility to clear my name and i want them to call the collection agency to cancel any collection on my name and also sent a clearance to the Credit bureau to remove delete and clear my name on this debt. 

I want to request for this facility to issue a confirmation letter thru registered mail confirming that i have no obligations moving forward for this debt. 

I want to reiterate for the last time, that I didn't have any idea on this debt since i was residing in XXXX XXXX in XX/XX/XXXX, I am ready to send all proof of documents as per request. 

Thank you
Product: Debt collection

The debt attempted to be collected and affecting my credit is for a bill due to an ambulance service being used. At the time I was picked up by the ambulance I had and still have XXXX coverage. I attempted several times to contact the collection company and they refused to allow me to provide documentation proving XXXX coverage at the time of service provided or assist in getting it paid by my XXXX Were extremely rude and I felt they did not do anything but try to bully me into paying it. I've disputed multiple times and they refuse to remove from my credit. I should not be responsible for a bill/charges that were incorrectly billed by the hospital, when I had valid medicaid coverage that would have paid the bill at the time services were provided.