23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed a complaint that I did not believe the AD loan was being calculated correctly. I received a response on how the interest is calculated. I've followed the methodology and my monthly payment does not result with my monthly payment on My Loan Summary on Nelnet. I've attached a simple XXXX XXXX  on how the complaint response stated to calculate the interest. I called XXXX this morning and the representative on the phone was coming to the same interest calculation I have in XXXX XXXX XXXX  She also filed a complaint on my behalf.
Product: Credit card or prepaid card

Payment was sent as usual. Last month it took only 3 days for payment to clear after mailing. This time it took over a week with payment posting one day after due date triggering fees. I always pay before due. XXXX refused to adjust for the delay in posting my payment. I disputed the fees and requested an appeal. They stated they had a right to charge the fees. I disputed their timeliness of posting my payment. We are at an impass and they continue to add fees every month now totaling {$160.00} Ive been a card holder for approximately 30 years with the bank administering the card card changing several times. XXXX by Goldman Sachs has to be the worst.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I tendered payment in full for the alleged automobile installment contract. Since that time XXXX XXXX XXXX has and still is reporting to XXXX, XXXX and Experian as an auto loan. There are errors that XXXX XXXX XXXX intentionally misreported to my credit report that need to be deleted as well as errors in the instrument used to support the alleged debt. First, there was a down payment when a finance charge was present. 15 USC 1605a, " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' Please see attached. Secondly, I sent the properly endorsed order to pay negotiable instrument attached. It states it " secures payment of all that I owe '' as per the Additional Terms and Conditions subsection Security Interest to settle any obligation. Next 18 U.S. Code 8 states that all obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' This agreement represent an certificate of indebtedness and a certificate of deposit when it is properly endorsed so any debt in this agreement has been paid. Please remove any and all inaccuracies based on these facts.
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Error and Violation of 15 USC 1666B Dear Consumer Financial Protection Bureau, I am writing to submit a complaint regarding credit reporting errors and violating my rights 15 USC 1666B by XXXX. Despite a supervisor 's confirmation, XXXX late payments incorrectly appeared on my Experian credit report. 

On XX/XX/year>, at XXXX XXXX, I received communication from XXXXXXXX XXXX  supervisor, XXXX, stating that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team for removal. However, the late payments still appear on my report, causing significant hardship. 

I request your assistance in resolving this matter. I urge XXXX to : XXXX. Remove the XXXX late payments from my Experian credit report within 30 days. 
XXXX. Provide verification and validation of the Late payment. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

My bank account with XXXX was frozen/restrained on Monday XX/XX/XXXX. The bank told me a phone number to call XXXX XXXX XXXX XXXX a debt collection law firm in state of New York. ( XXXX ) XXXX. I placed numerous calls to them before finally someone there would speak to me. I was told " they are out to lunch from XXXX XXXX to after XXXX '' and " try calling later '' etc. Finally spoke with someone named XXXX XXXX and asked him what this was about. He said a XXXX XXXX credit card. I asked him to send me all documentation on this because I don't owe XXXX XXXX anything. He laughed and said no but I can pay this off and THEN they'll unfreeze my account. I told him I don't owe it and don't even know anything about it. So then I went to the XXXX XXXX Clerk 's office in XXXX and they said that LVNV Funding LLC and XXXXXXXX XXXX  XXXX have a judgment on file for this dated XXXX. I had paid XXXX XXXX in full in XXXX of XXXX when I refinanced the house and took out a HELOC that was a debt consolidation loan that paid off all my then existing credit cards through XXXX, which now called XXXX. They dispersed the payments to the original creditors on XX/XX/XXXX. I contacted the holder of that loan, XXXX XXXX XXXX. The customer care agent worked with us on the phone for two hours digging through paperwork from XXXX years ago and found the notarized copy of the dispersement of payments to the HUD as the house was XXXX at the time. She emailed us a copy of that. The bank then sent me in the mail list of exemptions. I qualified for the one that allowed me to keep XXXX XXXX of the last 60 days income. I sent that verification and forms to both XXXX XXXX XXXX and to XXXX. They still have not released my money. I tried calling XXXX to find out why they hadn't released this freeze as I qualified in exemptions to far more than what is in the bank currently and they just said 'call that attorney ' meaning XXXX XXXX XXXX so they have not honored the legal exemption the state allows on this. 
So LVNV and XXXX XXXX  XXXX have frozen my bank account and refuse to send me any documentation for a credit card loan to XXXX XXXX credit card number XXXX that was PIF in XX/XX/XXXX by XXXX, XXXX years ago. XXXX changed to XXXX XXXX since then. A fraudulent default judgment was placed on it XXXX years in XXXX. I don't believe they ever legally renewed it after XXXX years either but I didn't even know it existed until this week. Never was serviced then or notified after that this was an issue. I've tried contacting LVNV Funding LLC and they use a 3rd party company Resurgent Capital to handle all correspondence and phone calls so I wrote to on their website and have spoken on the phone to them several times trying to this judgment from XXXX that was placed against an account already paid in full of XXXX. They have made my life XXXX this week and no one will help. I've given the bank and the XXXX XXXX XXXX, and LVNV through Resurgent all the proof. The account is still frozen but I need that judgment vacated as it was illegally placed.
Product: Checking or savings account

On XX/XX/XXXX I went to where I bank locally to open an Health Savings Account. I wanted to move my HSA account from " XXXX XXXX '' ( a division of Webster Bank, N.A., located in XXXX, Wisconsin ), because local banking is more convenient for me and their customer service is great.

A financial customer service officer at my local bank opened an HSA account for me and also prepared and submitted online all the necessary documents to transfer my account from XXXX XXXX on XX/XX/XXXX. Also, to ensure the process of transferring my account from XXXX XXXX was underway, the local bank financial officer and I called XXXX XXXX to confirm they had received my request. XXXX XXXX confirmed that they had, then immediately expressed strong opposition to moving my money, wanting to know why and trying to convince me I should stay with them. I let XXXX XXXX know that I was not going to stay with them, period. XXXX seemed to begrudgingly " accept '' hat I wanted to move my money. When I asked how long it would take to transfer my account they stated it would be finalized within 6-8 weeks from the date of receipt ( XX/XX/XXXX ). 

XX/XX/XXXX was the 8 week period XXXX XXXX declared was the maximum time frame needed to finalize the transfer, and yet by this date it had still not happened. 

On XX/XX/XXXX, I called my local bank wondering what else, if anything, needed to be done on their part or mine to make this transaction happen. My local bank said all they could do was wait, but that I should give XXXX XXXX a call to find out what to hold up was. 

I called XXXX XXXX on Friday, XX/XX/XXXX. Their customer service rep. confirmed they had received the request XX/XX/XXXX, confirmed it was well past the maximum 8 week period, additionally confirmed that nothing had been done on their end. The rep. said they would expedite my request and call me back no later than Wednesday, XX/XX/XXXX to confirm that they had completed the transaction. I received no call back. 

I called XXXX XXXX again on Friday, XX/XX/XXXX. I spoke with the SAME rep. who had promised to make everything happen and call me back on XX/XX/XXXX. They aknowledged they had not followed through, apologized multiple times and stated they would " make it happen today! and call me back to let me know they had taken care of it. '' Again, I received no call back. 

As of today, XX/XX/XXXX, it's been 12 WEEKS and XXXX XXXX has still not transferred my account! 

P.S. You should check out online consumer reviews that have been posted about XXXX XXXX. Apparently what I've run into, and even more types of bad behavior!, have been experienced by countless other people. An absolute mountain of TERRIBLE treatment of their customers.
Product: Student loan

I recertified my loans as I was supposed to and resubmitted updated pay stubs. The calculation was that my loan payment would be approximately {$340.00} a month. Today, XX/XX/XXXX, I check and find that my payment has jumped to {$450.00}.
Product: Payday loan, title loan, or personal loan

I RECEIVED A SMALL LOAN OF {$700.00} WAS TOLD OVER THE PHONE MY TOTAL AMOUNT OWED AFTER APR WAS XXXX DOLLARS, I HAVE NOW PAID OVER 3000 DOLLARS!! AFTER DOING THE MATH MY APR IS OVER 637 PERCENT!!! THIS HAS TO BE ILLEGAL. NOT ONLY DID THEY LIE ABOUT HOW MUCH OWED AT THE END OF THE INSTALLMENTS THE 637 PERCENT APR IS UNETHICAL AND A SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated multiple disputes with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my Trans Union credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 3 ) XXXX  - Date Filed : XX/XX/2018 4 ) XXXX XXXX - Date Filed : XX/XX/2018 5 ) XXXX XXXX - Date Filed : XX/XX/2018 6 ) XXXX XXXX - Date Filed : XX/XX/2018 7 ) XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting

My husband and I sent a request to Equifax XX/XX/XXXX, requesting that they investigate errors on our credit report. A few weeks ago, we had to file a complaint with your organization because they took well over 30 days to respond. Equifax recently responded with the results of my husband 's investigation, but I have yet to receive anything from them. It has been two and a half months now, since we sent our original request.
Product: Credit reporting or other personal consumer reports

XXXX Write up n accordance with the Fair Credit Reporting act XXXX  Account # 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 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 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 Civil Court matter has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX {$230.00} XXXX XXXX of XXXX XXXX XXXX # XXXX /amount {$3000.00} Account XXXX XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX SELF FINANCIAL  ) /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I have received a response that clearly violates my rights according to HIPPA. 
Keynote Consulting did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.
Product: Credit reporting

I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.
Product: Credit reporting

I have my credit frozen with Experian and XXXX. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.
Product: Debt collection

I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from M2 Law Group PC about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with M2 Law Group PC. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : M2 Law Group PC, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the XXXX XXXX company but XXXX have purchased the debt.
Product: Credit reporting or other personal consumer reports

After noticing several errors on my credit report I disputed the collections listed and the hard inquiry that I had no ownership and/or knowledge of with the credit Bureau EXPERIAN XXXX I disputed these items several times and each time the company doesn't provide proof of ownership or verification of listed collection accounts, accounts and hard inquiries. The company did not properly verify these accounts before delivering a decision on my dispute.
Product: Checking or savings account

I've opened high yield saving account with Affirm. Inc, deposit {$5000.00} then withdraw into my other bank. They freeze my account right after that for no reason.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX on XX/XX/XXXX for {$22000.00}. I had a pre-approval from XXXX  XXXX XXXX for 5 %. XXXX said they did not take XXXX XXXX  XXXX and I would have to use one of their fincianeers, Ally Auto at 10.5 %. I did not want to do to this, but was told I could just refinance the loan. 

Today is XX/XX/XXXX, 5 months after the purchase date, and my Lien holder still does not have the title, and will not let me refinance it. XXXX has 6 weeks to send it. I have previously asked in XXXX and they did not have it either. They were aware of the situation and did nothing. Ally is telling me to contact the dealer. XXXX customer support is no help and is clueless. Since these business have a direct business relationship with each-other, it could make sense that they are scamming customers. Forcing them to take higher apr rates, then loosing their titles to force them to stay with that higher apr and unable to refinance to a more appropriate rate. 

I am now very afraid I have been paying for a car with no title. This would be falsely advertising of vehicles, and is currently costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The eviction was dismissed The amount owed is incorrect
Product: Checking or savings account

Optum Bank is refusing to pay a XXXX XXXX  Account ( HRA ) withdraw of {$170.00} based on their false premise that the charge is not eligible for reimbursement. These charges are for a legitimate medical services render by a licensed physician who charges a flat annual fee for most services. The doctor 's flat annual fee includes up to 12 office visits, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is all described on the invoice from the doctor that was submitted to Optum Bank, which includes the applicable XXXX  codes. To be clear -- this fee is NOT for " access to the doctor. '' This is NOT a concierge plan. It is a fee for a XXXX XXXX XXXX XXXX ( XXXX  ) covered under 26 U.S. Code 213 - XXXX XXXX, etc., expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not