23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citi bank credit card Card numberXXXX This credit card earn credit reward {$7200.00} end XX/XX/XXXX  When I closed my business on end of XX/XX/. Citi bank cancel my credit card account by bank policy. The service rep told me clearly. He will transfer to personal account and receive the credit rewards automatically. But it take two months long to set up my personal credit card accounts. Then they did not also transfer my cash rewards to me. 
I feel Citi bank stole my money which I supposed to earn from my credit card transactions. 

XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXXI was working for a company and making XXXX a year ; the company folded in the midst of the economy crash and XXXX here in Arizona. I had a couple of credit cards at the time that this happened. I continued to try and pay those cards but eventually I couldn't afford to do that. I stopped making payments and let the cards lay as they may. I had no choice. I didn't want to file bankruptcy but things were aiming that way. When all was said and done I didn't have to file bankruptcy as I only had one company file a judgement against me. 

I contacted the company several times trying to work out a payment arrangement with them but they chose not too do so. They continued the judgement and somehow got it by default. I was never presented with paperwork or anything until after the fact and then it was too late for me to do anything. The judgement was placed in XX/XX/XXXX. 

They then sent a statement to my employer for garnishment. They started receiving garnishment in XX/XX/XXXX. Then about 3 months ago I started thinking that I should have paid that amount off by now. I asked my employer to print off the totals that had been taken from my checks. I then contacted them in XXXX and asked them to send me a complete report of all debits and credits in regards to my account. 

I heard nothing from them at all but coincidentally the very next paycheck their garnishment was stopped from coming out of my paycheck. I then followed up with a request to receive a complete report of all of my credits and debits from my account. They told me that I would have to contact them by phone. I contacted them and they still to date haven't sent me any reports. 

According to my records I have overpaid them and they owe me money. I have read several online reports about them and this seems to be a continuing process. They hire local attorneys to do all of the intimidating paperwork and don't reply or communicate with you until it is too late for you to reply and then take old debts that have gone away and keep them alive.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} - late open XXXX XXXXXXXX Balance Owed XXXX {$240.00} XXXX XXXX XXXX Balance Owed XXXX {$6100.00} XXXX XXXX Balance Owed : {$4100.00}
Product: Credit reporting or other personal consumer reports

Equifax has been notified that the below acct has been paid off. XXXX and XXXX has updated their file but Equifax has not. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX XXXX should XXXX $ balanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone stole my identity and used it to apply for credit with XXXX. The credit request was approved by XXXX for credit in the amount of {$5000.00}. XXXX failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, XXXX prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, XXXX relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with Experian to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted XXXX and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that XXXX will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, XXXX has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly XXXX has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report XXXX needs to " investigate '' the clear fraud. 

Further, the lack of due diligence by XXXX is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.
Product: Credit reporting

I contacted Transunion when I noticed a XXXX account added to my credit file. Transunion has failed to provide me with any information bearing my signature and has yet to give me anything information proving that this account is mine. You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Public Record USBK COURT XXXX XXXX  XXXX XXXX I have also attached a current copy of my drivers license make sure my address is showing current on my file please.
Product: Student loan

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Navient placed my student loans into forbearance without my knowledge or consent. Moreover, on XX/XX/XXXX, I contacted them and requested my loans be taken out of forbearance but was told they were unable to do so. As a result, I have been prevented from earning credit for on-time payments towards both PSLF and general discharge, as well as preventing me from receiving the reduced interest rate available to individuals who use auto-pay. Given the recent unsealing of Navient 's internal memo which directs staff that " Our battle cry remains forbear them, forbear them '' I feel that this is done intentionally to defraud consumers and increase profits. Moreover, Navient fails to disclose to borrowers that their loan balance may be forgiven after a set amount of qualifying monthly payments, but forbearance prevents them from making those monthly payments.
Product: Payday loan, title loan, or personal loan

As a consumer pursuant to 15 USC 1692a ( 3 ) I was denied for a loan by BMGmoney and their representatives on XX/XX/2023 due to them stating that I did not meet an alleged income requirement that is not stated in their eligibility requirements. Those requirements are If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. Pursuant to 12 USC 4502 ( 6 ) I receive compensation in relation to employment and not income. The actions of BMGmoney are deprivation of rights under color of law pursuant to 18 USC 242 and it is knowingly and willful intentional discrimination against me as a consumer with the capacity to be an applicant pursuant to15 USC 1691 ( a 1-3 ). BMGmoney representatives must provide legal proof of the loan income requirement with the supporting federal laws. I am demanding that BMGmoney provide documentary evidence that I receive income in relation to employment with the supporting federal laws. The emails attached are documentary evidence that I was knowingly and willfully discriminated against even after notifying BMGmoney of their illegal discriminatory actions, in which they proceeded to continue. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of BMGmoney and their representatives they are liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. To remedy this matter I am demanding BMGmoney to immediately approve the loan that I applied for or issue me a check for the damages they created in the amount of {$5000.00}. They have deprived me an extention of my credit knowingly with willful intent. This complaint is made in good faith, peacefully, and respectfully.
Product: Student loan

My student loan services, American Education Services, has not been accepting my monthly loan payment. Their mobile app ( which they heavily push ) seems to have been compromised by a third party that redirects you to a fake XXXX store page. Then, when i go on their official website and try to make my payment there, I get an error message and get logged out. This has been happening since at least XX/XX/XXXX. I emailed them on XX/XX/XXXX but have not heard a response yet. When I call their official number, I am not able to get in touch with anyone. I am concerned because this company will absolutely garnish my wages and I don't want that to happen when I am doing everything right.
Product: Credit card

At XXXXXXXX XXXX, I received an email from XXXX XXXX  informing me about a hard inquiry on my credit report. I checked my credit report and it states that SYNCB/Sams Club ran a hard inquiry. 
I have been at work all day, there is camera proof of myself at work. 
I submitted a dispute with XXXX as an unapproved inquiry. 
I then attempted to call my local Sams club to get information about the hard inquiry. But there was no answer after calling 5 times. I called the customer service number ( XXXX ) and I was told they had no record of this. So Sams club customer service transferred me to Synchrony Bank. The reference number for this call is # XXXX With Syncrony Bank , after confirming my information, I was told they had no record of me for a hard inquiry. I went over the same information. They said it was on XXXX to fix. The reference number for this call is # XXXX I then called XXXX. And they confirmed that there was a hard inquiry done at Sams Club with synchrony bank. And I was advised to file a fraud claim on this. 
My credit score has been impacted because of this situation.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, the company called me to resolve a late payment. I was confused with the situation because I had already set up automatic payment from my personal checking account but remembered I updated my checking account since I was a victim of fraud on the checking account they had on file. I explained the situation to the representative on the phone and provided the up-to-date information. The representative said she would take care of the payment and update the account number for future payments. The representative apparently made a payment of XXXX instead of XXXX which was the full amount of the payment. On XX/XX/XXXX, I received another phone call from the company stating that another payment was needed. I again explained the situation to the representative and she apologized and mentioned something about there being a phone issue. Apparently due to the late payment which was an issue created by the representative my XXXX percent promo rate was taken away and the company is trying to get me to pay the deferred interest. I made a full payment to my balance because I was unhappy with the service provided and errors that were made to my account. When the XXXX statement came in the mail it reflected the deferred Interest of XXXX. What the company did was deceptive and unfair to me because I provided the updated checking account and explained the situation of fraud on my checking account. I do not think I should be penalized for the company 's mistake. I emailed the company but have not received a call back or reply email on this situation and that is why I am filing a complaint. I do not want this to affect my credit report.
Product: Debt collection

I have been called several times ( XXXX within XXXX ) with this place telling me that someone wrote a check and attached my name to it, and the check was bad so I need to pay. When I question who it was that wrote it was told not my business. When asked what its for and the amount they hung up. Tried to call them back and they start scream and cussing at me, also making XXXX comments to me. They refuse to mail anything to me. But want me to pay {$200.00} to them for something that is not mine or I will go to jail. I have never wrote a bad check even called my bank to verify all my recent checks where fine which they was. Then they started calling my husband 's phone doing the same thing telling him I need to learn to pay my debt. But I pulled my credit nothing on it at all, and they wo n't tell me what the check was for or when it was wrote just keep asking for me to pay or go to jail. The number that keeps calling is XXXX.
Product: Mortgage

I had lost my job i n 2014 and was in the middle of a mortgage modification with my mortgage company. I had 50 % equity in my home. In the  XXXX  of 2014 my mortgage was taken over by OCWEN. After two y ears of pure stress produced from foreclosure threats, confusing conversations, correspondents and refused payments, they finally modified my mortgage. During that time they lost documents, made financial mistakes and in the end added {$12000.00} more to my principle.   XXXX  I am now stuck with a mortgage with a deceitful, dishonest company. I know they have been sued over and over for the same reasons. If not for my own persistence and knowledge in the matter, I would have lost my home. I have recently asked them for detailed information regarding the added {$12000.00}. As usual, I received a document that makes no sense and no explanation for the added {$12000.00}.
Product: Credit card or prepaid card

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$1500.00}. My credit card balance after 3 days showed a {$0.00} balance. On XX/XX/21 the original payment of {$1500.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$250.00} in the promise that it would be paid with the same checking account that paid off my credit card. I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$250.00}. It was returned as insufficient funds on XX/XX/21. I disputed this transaction of {$250.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$250.00}.
Product: Money transfer, virtual currency, or money service

This is complaint about MoneyGram. On XX/XX/2018 I did online international transfer in amount of {$5600.00}. After I did transaction I received a call from MoneyGram to verify transaction and after verification Ive been told that transaction is approved and I will receive confirmation email in couple minutes with reference number. I waited for 3 hours and didnt get confirmation email. I checked online and MoneyGram had stated error on transaction without explanation of error. And I didnt receive cancellation email. I called customer service and Ive been told that transaction exceeded limit and the transaction had been cancelled due to internal and external errors. But the next day MoneyGram withdrew the transaction amount from my bank account. So I called MoneyGram and they told me that my money will be refunded in 12 business days. Now I really dont have enough money on my bank account to run my business efficiently because of MoneyGram. I dont have enough money to complete this transfer by other options and it hurts my reputation from my business partners and I am suffering business losses. Who will cover m business losses? MoneyGram does unprofessional business with customers. This whole experience with MoneyGram is very bad. My advice to everyone do not do any business with MoneyGram at all. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter
Product: Credit reporting or other personal consumer reports

THE INQUIRIES BELOW DO NOT BELONG TO ME!!! I DID NOT INQUIRE IN ANY OF THESE AUTO LOANS AT ANY OF THESE TIMES! PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATLY. 

XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 WS 626799 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 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Vehicle loan or lease

united auto credit commited fraud when they share my infomation with the ricovery company that towed my XXXX when i told them via email not to do so and that the contract was void because they sild the original note and cant not produce any document to validate the debt
Product: Money transfer, virtual currency, or money service

I tried to send {$1000.00} on XXXX XXXX! Its the XXXX the money is not there! This is totally unacceptable!
Product: Vehicle loan or lease

This Car had too many problems the 2nd day I had it.

It also had 3 cracked rims someone tried to fix it .and problems with alignment. 
The warranty was not honored which is a breach of contract. 
Also, They never disclosed to me that they were gon na take my financial assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I had loveloft credit card ( that I have never had one ) I wish to call your attention to an issue regarding my loveloft credit card that I have till this day never received. I received a statement onXX/XX/XXXXregarding payment of a bill of {$300.00}.

While I was shopping for I was approached by one of the sales representative who adviced me to apply for a credit card which required my social security number.

While I was shopping for a necklace which is XXXX  $ and earring : XXXX  $ .during XX/XX/XXXX summer ; l havent received any call, any notice bill, any email.bank and loft company didnt communicate with me.

I m surprise to see the XXXX  $ bill. Still this date I have not received any credit card supposedly applied for.

I m shocked to receive this bill, I cant effort to pay this money that I m willing to pay necklace and earings ... I dont recognize this exorbitant bill.

I called XXXX XXXX where is located at OHiO, customer representative even didnt listen to me, while I was complaining about situation, she started yelling at me and insisted that I have to pay cuz its too late I already rang them over the phone she threatened me in ugly way cuz of I was looking for a number to call ..how come you can insult someone just because I had a call? I even dont know where is my credit card its effecting my credit score! I need urgently to understand and whats going on ...