23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX, applied & approved for school loan from federal government /received XXXX separate loan amounts to cover entire 2 years of my XXXX XXXX plus one year XXXX ( {$59.00} thous & {$39.00} thous ) XXXX, applied & approved for tuition reimbursement at XXXX XXXX ( XXXX ) to cover 65 % or higher based on maintaining B above average. 
XXXX to XXXX, submitted via fax grades plus copy of school fees to XXXX ) /name of person accepting fax, " XXXX XXXX XXXX XXXX XXXX, XXXX completed a large layoff ( attrittion process & closed ) XXXX XXXX, Graduated and obtained my XXXX XXXX XXXX, I was approved & placed on a 4 year deferral with no payments XXXX, approved for hardship and paid minimal amount XXXX or sooner loan transferred to a collection agency in which they eventually added another {$30.00} to {$40.00} thous. 
XXXX or XXXX, agreed with collection agency to enter a rehab program for 10 months to make monthly payments of $ XXXX-not sure of amount-unable to complete program due to their error. 
XXXX to XXXX, loan increased another $ XXXX {$40.00} thousand/treats of wage garnishments etc. 
XXXX, agreed again with collection agency ( CTI ) to make monthly payments from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Completed program successfully. 
***This is just bare bones of story but just wanted to give you an idea of process & rough timeline. I met HR trainor, XXXX XXXX my first year at XXXX XXXX XXXX ). And of course, XXXX XXXX I never met just sent the fax as proof of attendance, grade point average and cost of courses. 
Keep in mind that XXXX agreed to pay once I completed the courses and graduate and in the XXXX I had to use my federal loan as payment to the school. In other words as long as i submitted in a timely manner my grades, tuition fees & amount loaned to me by federal government, they would reimburse me that amount once I graduated. 
***I also moved so many times ( 13 times ) since moving to XXXX so I know I lost a lot of paperwork in that process, however they should have a record of it too..fortunately I do have a lot of the faxes I submitted to dept of XXXX & XXXX at XXXX
Product: Credit card or prepaid card

I have had a credit card with Bank of America for years. I have made many many phone calls and downloaded their app ( which I did not want to do but thought it was the only way to resolve disputes ). I have never been able to speak to an actual person and I have never been able to resolve any disputes with them. I am charged late fees when I am not late. But I'm never able to speak with a person. It's fraud. My payments are due on the XXXX of every month. On XXXX XXXX of XXXX I made over the minimum payment to Bank of America but was still charged a late fee on XXXX XXXX statement. I am always charged a late fee no matter when I pay. I can't communicate with anyone about it. I've tried the app, chatting, calling ... no one. I have statements to show this combined with bank withdraws from bank of america. I do not understand when I need to pay to avoid a late fee. I am also then charged an interest fee - to clarify that i'm not confusing fees. 

Now I would like to cancel my account, the current wait time is 3 hours and in the past even hours of waiting no one answers. I am unable to cancel online. I am in a nightmare relationship with this company and I just want to close my account. I have to repeatedly give my SSN, which is highly uncomfortable given that amount data breaches occurring. I am not able to report my card lost or stolen. Nightmare company. I can not believe that their practices are allowed to continue. I also have many screenshots to support these claims. 

Attached documentation is one example of Bank of America 's practices. I have and can locate more examples of fraudulent behavior. However, this is very time consuming.
Product: Debt collection

I am receiving multiple robo-calls from XXXX XXXX XXXX  every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector. 
I have also reported this company to the FTC. 
Within 14 days, I received 23 phone calls and 11 voicemails.

XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX   XX/XX/18 - phone calls - XXXX XXXX  voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/18 - phone calls at - XXXX XXXX  ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX  voicemail included ; XXXX XXXX  voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX  voicemail included
Product: Checking or savings account

I received a coupon in the mail for a {$300.00} bonus upon opening a Chase Checking account. In California, my banker opened an account for me in early XXXX, but since I did not have the coupon on me at the time, he said that he had applied it from his own coupon book. 

A month later, after my direct deposit went through ( one of the requisites for the bonus ) and waiting for number of days that the fine print says for processing, I did not receive the bonus. After multiple trips to the banks and calls, Chase Bank insists that since I past 20 days from the account opening the coupon is unable to be retroactively applied. 

I was advertised a product, promised that the coupon was applied ( which I made clear was the reason I was incentivized to open this account in the first place ), and did not receive this bonus. 

Chase Bank suggests closing my account for 90 days and then reopening it, but this will be a hit on my credit and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today [ XX/XX/XXXX ] I ran XXXX report for all 3 credit bureaus. XXXX stated Excellent credit. XXXX Good, Kohls/CAPONE has put negative credit on my report as of XX/XX/XXXX. On XX/XX/XXXX I ran XXXX report with XXXX with score above XXXX, today score is down XXXX points to mid XXXX 's. Big red Flag!! I reached out to XXXX IdentityWorks - credit monitoring which was given for settlement with a data breach with XXXX. No red flag showing up on XXXX Identity Works but it did on my XXXX credit report. I spoke with XXXX at XXXX. While looking at the report there where two reports for the same card. One positive and one negative. The negative report appeared on my report after XX/XX/XXXX. The credit report show the previous opportunity was paid in full in XXXX XXXX. There has been no activity on my card, nor have I canceled the card. Kohls/CAPONE has listed up and till XX/XX/XXXX " OK ''. Now for XX/XX/XXXX on one report showing " CO '' and account closed with one month pasted due. I have not used the card since XXXX XXXX. How can it be past due, when it was paid in full in XXXX XXXX, and listed on all 3 credit bureas as " OK '' since that time? XXXX and his supervisors that he spoke to several times over the 1 hour 15 minute phone call could not explain the two reports on their file. I then contact Kohls and they didn't provide any asisstance. I asked to speak to supervisor and was told know. I then called Capital One Credit card and told to call Kohls again, then asked for a Supervisor and got the run around, so I hung up. I have records showing the card was paid off in full and okay since that time. This negative report just appeared on my XXXX line of credit. This not acceptable. Per the rules : '' If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages ''. I learned this today ; " An individual has several options available to fight the reinsertion of a negative trade line such as : Request a new investigation with the credit reporting agencies. 
Add a consumer statement to his or her credit report. 
File a lawsuit against the creditor committing the reinsertion ''. 

I want to know why Kohls/CAPONE, claims I am one month past due, when this was settled by the records I have in XXXX XXXX and reported to all XXXX credit bureaus? I have the records from the XXXX credit bureaus showing this account has been okay up to and through XX/XX/XXXX. I haven't used the card since XXXX or canceled the card. The company once again has not mailed me or emailed anything, except flyers to purchase items from their store. Kohls/CAPONE have violated the FRCA ruling and are commiting Fraud!!
Product: Vehicle loan or lease

I went to XXXX XXXX XXXXXXXX to apply for a loan for a car did not authorize this bank to land in my credit upon denial of the loan
Product: Credit reporting or other personal consumer reports

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. REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Product: Credit reporting or other personal consumer reports

I would like to follow up for the immediate removal of fraud items from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history, I am deeply concerned about the adverse impact this entry is having on my creditworthiness. I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned items from my credit report. I have attached copies of relevant documentation. I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. I have no choice but to escalate this matter to the appropriate regulatory authorities. I appreciate your attention to this urgent matter and request confirmation of the removal of theitems from my credit report once the necessary action has been taken. I am asking for your assisstance to remove these items in my credit file : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XX/XX/year>.
Product: Debt collection

In XXXX of 2012, I had applied for an Dillard 's store credit card. I had never used it. In early XXXX of 2013, I had lost my wallet at a movie theater. I reported the card as lost/stolen to Dillard 's and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XXXX 2012. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to Synchrony Bank. I had assumed everything was settled at that point. Now I am receiving collection letters from a XXXX XXXX, XXXX collecting on the same debt. 
XXXX XXXX, XXXX is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In full attempt retaliate my prior complaint against XXXX XXXX XXXX I attempted to make my payment on XX/XX/XXXX ; my prior payment methods using bank account and debit cards have been blocked by XXXX. I notified the ASSISTANT VP XXXX on XX/XX/XXXX ; immediately my account was listed as 30 days late on XX/XX/XXXX ; it was 1 day past the due date In the meantime I was sent an extension reqyfor another consumer, XXXX XXXX. I is very clear this company likely has an extension history of incompetence and retaliation. What are my rights to be financially compensated for retaliation for a previous complaint? What are the consumer rights to be protected against retaliation by a company.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Product: Debt collection

The caller asked me to verify my Social Security number and address. I told him I would not do so unless I knew what the matter was regarding. The caller said he would not disclose the company/business he was calling from and repeatedly asked me to give him that information. I hung up and searched for the number on XXXX to discover that it was a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine
Product: Credit reporting

TransUnion XXXX, XXXX XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Vehicle loan or lease

I have two payments left before my loan matures on XXXX XXXX, 2016. I Called to get my payoff. While I was aware that I have 4 additionally deffered payment I that were attached to the end of the loan. During the course of the loan problems arose where I had to defer my auto payment. Capital one deferred the payments and each time I was charged XXXX dollars to do so. I was told when I deferred the loan it would simply be added to the end of my loan requiring 4 more months of payment after the loan matured. When I called in to get my payoff I was told it was XXXX I asked where that amount coming from since my payment is XXXX per month and 6 payments would make the total XXXX. There was an additionally XXXX added to what I owed. I was then told by a representative in the Office of the President that each time my payment was not made on the the exact billing day of my contract ( meaning I had no grace period ) I was assessed intrest and that intrest was deducted from my principal and therefore more was going to intrest than to the loan. In addition, the four deferred payments were also assessed an extra intrest. That interest was derived by the formula where the principal bal was multipled by the interest rate of 25.13 % and divided by 365 days to get the additional interest being charged to my loan. So in affect, I was charged to two different points of interest on one loan. Next I was told after the loan matures I have 150 days to pay off this excess balance, ( the four defered payments plus all this extra added interest ). It was further explained that I could lose my vehicle and it affect my credit adversely if I failed to pay this lump sum. My problem is this, first I was never told the loan accrued intrest which was deducted from the principal if I didnt pay loan on the exact day. Next, I was told the deferred payments would be adding on additional months to my loan. I was not told it was adding adding and extra intrest to my loan in addtion to the 23.13 % already being tacked on. I believe Capital one has dealt with me deceptively by not fully explaining how the intrest acrued with the loan payment date as well as for the deferred payments. As a result, I have believe Capital One is literally stealing my vehicle.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$510.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> a loan from the company was initiated. However, I did not give this company information nor request any loan from them. I received several notifications from my bank credit karma, XXXX XXXX and Equifax. I reached out to Equifax and XXXX XXXX and they both requested that I contact consumer finance production bureau and or the FTC for fraud. I tried contacting the company with the information that was listed on the credit report however, the number says that it is not a working number or is inoperable. Overall, it should be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed Ive had fraudulent accounts on my report. Please remove these accounts from my Report. They are hurting my abilities to obtain credit.