23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

An employee named XXXX from XXXX XXXX contacted my work office between XXXX on XX/XX/19 asking for me ; at the time I was on my lunch break, however when I applied for the loan I plainly told them that they CAN NOT contact me at work. 

On the same date, XX/XX/19 between XXXX, I called XXXX XXXX, returning their call from earlier, to discuss a payment arrangement and spoke to the branch XXXX, XXXX XXXX who proceeded to tell me since I was 3 payment behind, if I could not make payment by this Saturday, my account would then be sent to collections with legal action to follow since they verified my place of employment earlier that day. I asked him what that meant and he said my wages could/would be garnished. But they didnt call to verify if I worked there, they called asking me to return a call to them even though I told them from the very beginning I could not be contacted at work due regarding personal affairs.
Product: Checking or savings account

XXXX I had a Wells Fargo checking and savings account. XXXX was committed against me. I reported the fraud against me to Wells Fargo on either XX/XX/XXXX or on XX/XX/XXXX. I was XXXX with XXXX  overdraft fees and other fees even though I reported the fraud. I was charges with fees in the amount of {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX, and had to pay {$XXXX} to close the account because they kept charging more fees in XXXX of XXXX.
Product: Credit card or prepaid card

I am disputing a charge for goods or services that I did not accept or that were not delivered to me as agreed. I am also reporting Capital One for failing to do proper due diligence, siding with the merchant without due cause or process, in direct violation of my rights and the Fair Credit Billing Act. 

On the date of XXXX XX/XX/2022 I was informed by my flight carrier that there was a flight change made. The scheduled flight was to take off on XXXX XX/XX/2022. 

As a result of this flight change, this flight carrier ( XXXX ) offered a full refund ( see EVIDENCE_1.PDF ) for the flight, as indicated by their website, however, it was listed that I must call to receive this refund. Other options, such as a voucher, were available immediately via the website. 

However, XXXX refused to offer the refund that I had full rights to, according to their own terms and their own website. 

On XXXX XX/XX/2022, immediately after learning that XXXX refuses to cooperate, I contacted Capital One to file a dispute ; Capital One assured me that they would " look into it '' and I offered to provide them any and all evidence showcasing the wrong doing done by XXXX. 

Capital One said they did not need any evidence from me. Today, XXXX XX/XX/2022, Capital One decided to side with the merchant, XXXX, without any due process, any collection of evidence from my side, or any email correspondence whatsoever. 

This is fraud and Capital One is not following their obligations under the Fair Credit Billing Act.
Product: Credit card or prepaid card

I signed up for the American Express Platinum card back in XX/XX/XXXX and was approved. The reason for getting this card was for a airline trip in the spring ( I was going to use miles that I acquired with this offer ) The offer was for XXXX miles after {$3000.00} was spent + {$100.00} statement credit after booking a flight online. I met this obligation on XX/XX/17 for the miles and XX/XX/2017 for the {$100.00} statement credit. The terms stated that I would receive the miles 6 to 8 weeks after meeting the {$3000.00} threshold. It is now in the 10th week and I have not received anything. I have chatted with 3 different representatives from American Express and all I am told is they will launch an investigation and this will take 6 to 8 more weeks. This is unacceptable. How hard is it to see that I met my {$3000.00} goal and to give me my XXXX miles. I had to spend {$3000.00} within 3 months of opening the card, I did it in 3 weeks. The mileage credit was supposed to be credited 8 to 12 weeks after my first delta credit, it is 12 weeks today and I have still not received my credit. American Express could easily credit this but they fail to so. This is why I am turning to you.
Product: Credit card

I will try to describe the problem : At this moment I feel I have no voice. And I feel I may not have legal recourse. Hence this note : I have had a secured credit card from First Progress. I have had small overages during this time. The highest overage was {$1.00}. The others are less than {$1.00}. 

Each time they charged me fees. Understandable. Each time they tanked my current credit score XXXX points per time [ XXXX at last look ]. This is infuriating. Today my credit score is in the XXXX 's / XXXX 's. What they appear to be doing in linking my overages to credit point loss. So, for example, if my overage was {$0.00} cents, they would charge me a purchase fee and THEN tank my credit score XXXX points. 

I believe this is over-punishment. I believe this is wrong. I believe First Progress uses this to bully its user 's into doing what First Progress wants them to do and are using my credit score to attack me. 

Attached is a PDF with further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of my XXXX student loans, XXXX are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later. 
XXXX XXXX XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest XXXX, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX. 

XXXX, XXXX out of my XXXX loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my XXXX XXXX for XXXX to XXXX. 

After many attempts to solve this with XXXX and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these XXXX loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Product: Student loan

First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exists I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX2017 and XXXX XXXX2017 Equifax removed XXXX XXXX XXXX collection account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXXXXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late Open : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}
Product: Debt collection

In XX/XX/year>, I informed XXXX XXXX XXXX that an account was fraudulently opened in my name in XX/XX/year> by my ex-husband, who used my personal information without my consent. I provided them with evidence, including a police report, and explained that I had no knowledge of or connection to this account. Despite this, XXXX XXXXXXXX XXXX failed to act, allowing the account to remain open and be sent to collections. This has caused significant harm to my credit report and financial well-being. I am requesting immediate removal of the account, cessation of collection activities, and accountability for XXXX XXXX 's negligence in addressing this issue. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are now suing me for XXXX XXXX XXXX lack of consumer care towards identity theft.
Product: Debt collection

I had a debt owed to an apartment complex that when to a collection agency called XXXX. I called them on XX/XX/2015 and paid it in full {$2100.00}. Approximately a year later I noticed that it was still on my XXXX credit report so I contacted XXXX again and was told that they have had problems with XXXX doing such things and that they would inquire on that and was given a confirmation number as well. I have been monitoring it and it still has n't cleared up. Now, the Account has been turned over to a new collection agency, XXXX XXXX XXXX. I have been having trouble contacting them due to my schedule and extremely long hold times.
Product: Credit reporting or other personal consumer reports

I have been working with Experian for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and Experian refused to work further on investigating. I have made multiple calls to Experian, and they have been extremely unprofessional and rude.
Product: Vehicle loan or lease

I paid off my auto loan on XX/XX/18, and my final payoff was overpaid. I over paid the loan by approximately {$850.00}. 

I have been working to receive a refund for my over payment since XX/XX/2018 with Suntrust, and they have told me on numerous occasions that they do not see an overpayment. During my initial calls to them, I was told a refund check was sent out, yet I never received it. After the second call to them, I was then told that no money was due to me. 

I have requested a transaction history of the account, and they are showing that my payoff amount was for {$7600.00} on XX/XX/18, when indeed the payoff check was for {$8500.00}. I have bank records to prove the amount, and have faxed them in twice upon request. 

I have called Suntrust 8 times over the past 15 months, and after the second call, began keeping track of the calls with ticket numbers. 

Call Ticket Numbers Call 1 : Unknown Ticket Number Call 2 : Unknown Ticket Number Call 3 : XXXX Call 4 : XXXX Call 5 : XXXX Call 6 : XXXX Call 7 : XXXX Call 8 : XXXX Account : XXXX Fax payoff conf : XXXX Fax history conf : XXXX
Product: Credit card

on XX/XX/XXXX i made a purchase at XXXXXX/XX/XXXX, PA for {$720.00} and i was charged {$5000.00} on XXXX XXXX i made a purchase at XXXXXX/XX/XXXX PA for {$1000.00}. 
on XX/XX/XXXX both invoices were resubmitted to the credit card company. adding an extra charge of {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX Ser on my credit report. That account does not belong to me
Product: Checking or savings account

First of all, Wells Fargo originally sent me a letter two months back saying that claim # XXXX was determined that an error did occur and that I wouldnt be responsible the credit was permanent. Two months later now they recharged my account. The Checking account ending in XXXX is overdraft in the amount of {$1800.00} all of the transactions which caused the account to go negative were all claim reversals no money was received from these transactions but Wells Fargo recharges their customers even when an error actually did occur. I do not agree with their decision. And didnt receive any documentation or proof no error occurred. Secondly on the credit card the propel card. There was fraudulent transactions Back in XX/XX/2019, this was reported right away there were thousands of dollars to XXXX. I have been reaching out to each merchant individually. XXXX has informed me they dont locate an account for me, therefore do not see any charges were charged to me. Yet Wells Fargo says these were not fraud and were authorized, however the merchant says they were. Same with the favor transactions and every single transaction I Reported that I shouldnt be liable for. On top of that Wells Fargo charged me a late fee on the card they expect me to pay even when I was on covid payment assistance. Which they didnt tell me ended either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to XXXX, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Product: Checking or savings account

My Citibank checking account was linked with XXXX a Cryptocurrency broker company. On XX/XX/2021 while I was at my work suddenly XXXX sent me a message that all of my all crypto currencies ( about XXXX ) have been converted to Bitcoin and money transferred to some account. 
Hackers were also able to withdraw money in two transactions from my Citibank checking account. They took out {$500.00} and {$5000.00} in two different transactions. 
I complaint to Citibank. They gave me two different reference numbers of two complains, one for each transaction. 
1 ) Reference # XXXX for the withdraw of {$500.00} 2 ) Reference # XXXX for the withdraw of {$5000.00} Citibank had refund my {$500.00} but hesitating to return the {$5000.00}. 
I went to their local branch and complain few times. But no result. Two weeks ago I called Citibank. Someone in XXXX picked up the phone ( outsourcing of job ) and told that case is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told XXXX, Transunion, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sinc
e XX/XX/XXXX2016, I have been disputing the chapter XXXX bankruptcy with XXXX and Transunion. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.
Product: Credit reporting or other personal consumer reports

I am writing to complain to SELFINC XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I've made multiple unsuccessful attempts to resolve the issue of fraudulent inquiries on my consumer report. These inquiries are unrelated to me, and I'm not responsible for them. Their presence has caused significant mental and financial strain. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These inaccurate and fraudulent entries have prevented me from buying my dream home and meeting my family 's needs, severely impacting my financial situation. I've attached a copy of my previous letter to the FTC detailing this issue and requesting resolution.
Product: Debt or credit management

I signed up with Tally services to help lower my credit card debt. Initially it was helping, but that was short as their interest rates went up and was not able to catch up with the payments. This led to me being apart of a financial program with them that worked for me. Last month, they informed me that they were closing down and transferred the debt to a company names XXXX ( XXXX and XXXX XXXX XXXX XXXX ). Since the notification, I have yet to receive any information on the company. This was unexpected and I signed up for the company to help me. Now, this company is charging me more than before and have me on a 5 year payment plan. This company passed on my balance to a debt collection company, which I fear will affect my credit, something Ive been working very hard to fix. This was not as advertised and would have never reached out for their help if i known they have this predatory behavior. They have violated the telemarking sales regulations
Product: Debt collection

The Debt Collector is trying me to pay the debt twice. I paid this debt on XX/XX/2020.Paid to XXXX XXXX, XXXX  of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by Comenity Bank. Than you for taking time to check this out. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy.

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

Under 15 USCS 1666 B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.
Product: Credit card or prepaid card

There is a balance of {$17.00} showing on my credit report but this had already been paid off.