23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

During my days in school, I wasn't informed about any payments on my loans. I have an inaccurate amount of late payment remarks on 4 opened and 1 closed account. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION UNAUTHORIZED INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was scammed by a fraudulent party called " Student Loan Financial Assistance '', claiming to be a student loan finance company. They offered to refinance my student loans with a lower interest rate. I gave them my bank account information and authorization to " transfer '' my loans from XXXX to them. However, they put my payments on forbearance until XX/XX/2020 with XXXX and were attempting to do monthly direct deposit payments from my bank account. Once I realized that this was a scam, I immediately contacted my bank to close the account. I also contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) to freeze my credit score. Lastly, I contacted XXXX to remove the forbearance and added an additional password that is required when attempting to call XXXX about my account. Please bring these evil people to justice!
Product: Vehicle loan or lease

To Whom it May Concern : On XX/XX/2021 I withdrew my exact payoff amount of {$23000.00}. I opened an account with US Bank to pay off my lease through US bank. I did this hoping to make the process as smooth and easy as possible. I called the bank several times before to verify I was sending them the correct documentation. 

US BANK told me numerous times over the phone that if I overnight the check and documents, they would send it back with my title within 24 hours. On XX/XX/2021 at XXXX XXXX my check for {$23000.00} along with proper documentation was sent to US BANK. My check and documentation was received on XX/XX/2021 at XXXX XXXX. 

It is now XX/XX/2021 almost a MONTH later and I still have not received my title. I spoke to yet another representative who told me, " I have devastating news, your title has still not been sent out. '' From the utter confusion that these customer service reps have, to not receiving a manager call back, and waiting over a month for a title when I was told several times I would get it within 24 business hours ; this is utterly ridiculous and predatory towards the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to verify the debt on account. They verified said debt and upon further investigation on my own behalf I found that there were still some inaccuracies, therefore a thorough investigation could not have been done. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used AMEX to cover a service provided locally due to the safeguard that it usually is for its users. The poor service received was disputed 5x times with American Express. All to no avail.. here is a breakdown of how this horrible experience has gone. Reason for initial dispute : service was not as promised, harmful service and negative experience. ( all which are covered under consumer credit law ) Evidence : statements, veterinarian letters, pictures, and detailed timeline of occurrences. During the first charge back I contacted Amex dispute department and was told the merchant had not responded and I was most likely going to receive a resolution in my favor. The final day before the dispute was resolved, I was advised Amex sided with the merchant because they received proof that my request was invalid I was not provided a further explanation but was told I could reopen the dispute I did so. After opening a new dispute I was told it could take 6-8 weeks for a resolution and I provided once again all the proof ; statements with a timeline, pictures, notes from doctors, etc. to prove my case. Every so often I would login and check the status of my dispute since I never received notifications or updates regarding its status. I realized it had been denied again during one of these random moments of checking the status of the of the dispute online. I once again opened up a new dispute. During the final chargebacks I contacted Amex dispute center and was told that my dispute held no validity and was a false claim. I was told an email was sent to me stating this and that consumer credit law did not apply to false claims and I would be unable to continue with my dispute. I asked where the proof of the false claim was and why I had not received the email, they would not verify what email they had been sending this information too neither could they prove that my claims were false. I review consumer credit law and it does protect a consumer against a merchant for a negative/bad experience or an un-promised service. I was told I had to sue the merchant in small claims court for the amount disputed and that Amex could no longer help. So not only did I have a negative experience with a poor service which was provided by the company in question with the charges, but now AMEX resorts to telling me that I am making false claims when they themselves failed to provide any outreach during this process. I have had to file 5 disputes for this charge alone and received no communication when the disputes were closed and no explanation of the process until I have reached for clarity, of which I have still not received. There was never any mailed communication regarding my disputes or card in reference to this concern. And Im being told that I opened emails that I know I never received. The customer service with  Amex has been horrible in addition to all the stress I have already dealt with.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.
Product: Checking or savings account

I opened a checking account with Wells Fargo on XXXX  that offered a bonus reward of {$320.00} with the following restrictions : Receive at least {$1000.00} in qualifying electronic deposits within 90 days of opening the account Qualifying electronic deposits include : Direct deposits made through the Automated Clearing House ( ACH ) network Instant payments processed through the XXXX XXXX XXXX XXXX XXXX By the 4th time I called I did get routed to a manager and it was indicated that my initial ACH didn't qualify because it was from another bank. Additionally my application that was in my online account was not electronically available in my account. When clicking on link in my email it actually logged me out of my Wells Fargo account. The manager told me I no longer could access it because the promotion ended and she wasn't able to send it to me. 
The application also had the same term for waiving a bank fee on the checking account and I didn't have any checking fees the entire period.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, my husband went to Chase Bank located at XXXX XXXX XXXX in XXXX Colorado. He had an appointment to meet with a Chase Mortgage representative to discuss home impovement loan or cash out refi on our home. 
He met with XXXX XXXX. 

XXXX asked him what our mortgage payment is. My husband told her that I handle all of the bills. She asked what my name is and then proceeded to login to my account. WITHOUT my permission. No PIN, no verification, no passcode. Just blatantly started scrolling through my bank account to try to find my monthly mortgage payment amount. 
As they sat together at the bank, my husband called me and said " what did you get at XXXX? '' This threw me off because my husband and I do not have a joint bank account. He does not have access to my banking information and vice versa. 
She also turned the monitor around at one point showing my private banking information to someone not authorized on my account.

I will be closing my checking and savings accounts with Chase and so will my husband.

Having an employee access my personal single user account and then sharing that with a non-authorized user is a blatant breach of consumer compliance.

I would like to file a formal complaint and request financial compensation for this illegal action against my privacy. 

I spoke with XXXX XXXX, XXXXXXXX XXXX supervisor, about this and he apologized and said he would escalate to their compliance department. I spoke to him today.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3900.00}, US Debt of Ed/XXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3600.00}, US Debt of Ed/XXXX Account # : **** date opened XX/XX/XXXX XXXX {$2600.00} , US Debt of Ed/XXXX  Account # : **** date opened XX/XX/XXXX bal./ {$2000.00}, US Debt of EdXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$610.00}, US Debt of EdXXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$840.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$630.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Onemain Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a lette ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has my file split. Still. This is a pervasive, existing problem for many. Their IT Department can usually fix it, but their csr don't seem to know how to get the issues to them. This is causing me credit problems and mortgage delays.
Product: Credit card or prepaid card

While at XXXX XXXX they asked me to make a card without stating that it was a credit card since they only said Macy 's Card. So I followed through and thought it was suspicious when they asked me for my SSN and income etc. I know it is my fault that I inputted the SSN. But when I saw they also asked for income, I said I am uncomfortable to put that in and the cashier/ representative person just put random numbers in for me and said it was no problem. At the last step i I realized that it was a credit card. So for multiple times I said I do not want a Credit Card but the representative just said it is just a Macy 's Card even though I said I don't want a credit card again and again. 
Then she selected the Macy 's Credit Card option for me and approved it. I told her to cancel it and she said okay and it was left at that but i noticed a hard pull on my credit card and a drop of XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Product: Credit reporting or other personal consumer reports

I CALLED TRANSUNION 3-4X TO REMOVE SOME UNAUTHORIZED INQUIRES ON MY CREDIT REPORT. ONE REP. WAS VERY HELPFUL, OTHERS WERE ACTING CLUELESS LIKE THEY DIDN'T KNOW OR DIDN'T WANT TO TRANSFER ME TO THE FRAUD DEPT. TO SPEAK TO ANOTHER REP. HATED MY EXPERIENCE. 

The only thing I wanted to do was remove the inquires from my report. 

The inquires that I would like to remove are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your time.
Product: Credit card

I am filing a formal complaint against Comenity Bank for wrongfully reinstating a fraudulent charge of {$1800.00} from XXXX XXXX and falsely holding me responsible. 
I never authorized this charge, and I promptly reported it as fraud. 
XXXX initially removed the charge but later added it back without valid proof, claiming their investigation determined I was responsible. 
I have not received any valid authorization records ( such as a signed receipt, IP address, or any proof linking me to this transaction ). 
They are attempting to hold me liable for an unauthorized charge in direct violation of consumer protection laws. 
Under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), Comenity Bank must provide documented proof that I personally authorized this transactionnot just a generic response claiming verification.

Since they have failed to do so, they are in violation of : 15 U.S. Code 1666 FCBA ( prohibiting creditors from charging a consumer for unauthorized transactions ).

15 U.S. Code 1681s-2 FCRA ( requiring accurate reporting and correction of errors ).
Product: Credit card or prepaid card

attached is letter i sent to XXXX XXXX ceo jp morgan chase... 

i've also included the statement i received from them closing this acct because i was " overdrawn '' ... 

in addition, i've also attached the statements including the credits and reversals...
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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: Checking or savings account

My wife opened an account with Citibank ( XXXX XXXX account ending in XXXX ) for a special promo and they offered an additional XXXX if she brought in a new client to here and {$100.00} to the incoming new client. She had to file a grievance with Citibank to receive the {$200.00}, XXXX XXXX the Citigold specialist said that when her {$200.00} was paid mine would automatically be paid, to this date that has never happened. I have reached out to XXXX XXXX with no response whatsoever.
Product: Debt collection

This debt was reported directly to XXXX in XXXX and I have no record of notification.
Product: Mortgage

On XX/XX/XXXX I sent a check in the amount of {$1800.00} to united fidelity for my mortgage and {$500.00} to go to escrow. 
They received my check and cashed it I was thinking my mortgage was payed as I am trying to refinance I was set to close on XX/XX/2021 when they tried to get my payoff they said I still owed my XXXX payment so I called and finally after 1.5 hours on hold I got through and they said they didnt know what to do with the money so they just held it making me late on XXXX payment I told them to apply XX/XX/XXXXto escrow and the remainder to my mortgage. The refinance company called me Monday XX/XX/XXXX saying they still have no payoff amount so I called United fidelity and spoke with three people and they said it all went to escrow and they would send a request to get it fixed. I called today XX/XX/XXXX and it is still not fixed and try back on Monday. I now have to pay extra to extend my interest rate lock and have to make another payment past due because they failed to do their job
Product: Debt collection

A company that goes b y AFNI w ith the telephone number :  XXXX . They called twice - once on  XXXX   XXXX  at  XXXX   XXXX  and again on  XXXX   XXXX  at  XXXX    XXXX   .  They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?