23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was tricked into going to college instead of learning a trade or something else and had no idea what i was getting into yet every adult in XXXX pushed the college regime and look at me now. struggling with my credit
Product: Checking or savings account

There are 2 different companies that I want to put a complaint against. 

The first is the company of the ATM company inside the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. I took out XXXX XXXX  from my debit card that belongs to Wellsfargo. After I used this ATM someone duplicated my debit card and was able to use copy the card number and pin. This took place on Tuesday at XXXX  XX/XX/2023 and then Thursday at XXXX XXXX  I received a text alert that my account had a possible {$460.00} attempt to be taken out of my card at a ATM .Wellsfargo was called to cancel and they would not divulge the address where the ATM was located. So I looked up the amount on my Wellsfargo online account and i found an address associated with all of the attempted charges. This address was at XXXX XXXX XXXX XXXX XXXX TX XXXX. The customer service at Wellsfargo should know this easily but told me he could not see an address associated with the XXXX  even though it turned out to be one of theirs. I visited the bank and they would not even look at their cameras to get a picture or license plate number of the person who was there for 15 different tries on my card to get XXXX dollars then they tried XXXX then XXXX dollars. When I visited the branch the Bank Manager stated that even they tried they were not successful so that there was no need to investigate anything. I told him that there should still be a suspicious activity report and to have someone view the footage ( incase there is license plate of a car ) a freeze frame of the person to see how they look like. Maybe even show it to the XXXX XXXX manager who have control of the ATM inside their store. I was told that there was not much that they could do and that they already cancelled my card so that I would get another and too just lower my daily limit to XXXX dollars. The associate that helped after the dreadful Bank Manager was better. She stated a police report would help more to have something on file and she did try to call their call center to see if there was anything more that could be reported. She was very nice and helpful in calming things down. 

There is someone out there or possibly a group still out there trying to get ahold of other people 's ATM cards if they got mine then they have other 's card information too. As they stood in front of that ATM for at least XXXX minutes trying to take out XXXX then XXXX then XXXX then XXXX out of my account I am sure they also tried other cards. Wellsfargo Manager did not want to take a look at their camera. I know that banks circulate pictures of suspicious people and bank robbers why can't they cooperate with the police on this as well? I will alos be filing a police report and will want someone to at least tell me they tried to look for the footage of XX/XX/XXXX at XXXX from their ATM footage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX,
Product: Debt collection

They never send me any notification I think they don't have my address they have a Texas address. I never live in Texas, I call them when I found out in my credit report and they denied to take it off, they can not proof it is my debt because it is not. And they put it in credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists. I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX. Now, because of XXXX XXXX XXXX actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a XXXX XXXX, but the license requirements needs a higher them XXXX credit. The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name. The worse part, EQUIFAX has the Collection and its sharing with others agencys of credit but its all false information. 
This information is hurting a lot my personal credit. I had a lot of damage because all this company did not follow the law, they made a FALSE affirmation, completely out of the rules of FCRA, sharing false collections and harming my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the millions affected by the Equifax " hack. '' I have filed the 90 day fraud alert, and pulled my credit reports. Do-date I have not been contacted by Equifax, rather I used their online query system to determine this information.
Product: Checking or savings account

After completing my deposit requirements the refuse to give me my {$320.00} bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

During Covid pandemic I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX in XXXX, PA at the time in XX/XX/XXXX during Covid 19 that caused all business to shut down. However my XXXX  as a XXXX XXXX  for a XXXX that must remain open due to being an essential Business I was required to work throughout the entire Covid 19 pandemic and service customers. I XXXX XXXX XXXX XXXX XXXX XXXX and my Employer health insurance did provide some coverage for my Medical bills for the XXXX XXXX XXXX XXXX  but I had a large Deductible for the amount of {$5200.00} and also another for {$420.00}. Since then I have had major health complications during XXXX while having to work and had XXXX XXXX its that have put financial stress and mental stress with my and my family. We were also scammed by a I was repeatedly called from their billing department after I gave XXXX and harassed to make the full payment without them ever sharing they had any Financial assistance to help with the cost or didnt even negotiate the cost. I was denied and They threatened to sent the bill to collections and I asked if they could please help me with a payment plan. I did consent to a payment plan of {$25.00} a month as I could not afford the payments due to having to return to work and I had to pay Daycare costs including living expenses and bills. I also was involved in a accident when I returned to work when a driver ran into my car and Totaled my vehicle and because this I also needed to purchase a car so that I was able to work. The XXXX XXXX did not notify me that my payment plan stopped and they then took action without contacting me or my bank as to why they did not receive payment for a agreement I consented to and agreed to pay and I never consented to stop the payment. On XX/XX/XXXX I received a alert from my credit reporting service that I had 2 accounts from a collections agency called Medical Data Systems that were hired by XXXX XXXX  to collect a debt I agreed to pay monthly. I pleaded with the collection agency to please not due this as my employment career would be at risk as I work for a XXXX I also pleaded with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXx XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Since the inaccurate accounts are still present, I request a thorough review of the documents I have submitted to ensure I wont have to deal with this issue again.
Product: Credit card or prepaid card

I lost my home and no longer have a phone number. Chase bank says they can only help me if I call in, which i have no options to do so. I am filing for bankruptcy and have made several requests to them for a copy of my credit card application and they refuse to send it to me. I need this information to proceed and they are holding it up by withholding this information.
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. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name-XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXXXXXX Account # - XXXX 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.

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

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Transunion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.
Product: Checking or savings account

On XX/XX/2023 I tried accessing my account online and was unable to do so. On the same day I called Citibank and spoke to XXXX and XXXX XXXX XXXX said that he was a supervisor ). XXXX told me that he could not help me. 

I would like you to help me get this issue resolved.
Product: Credit card or prepaid card

I am   XXXX   XXXX   XXXX   XXXX   and use   XXXX   XXXX   XXXX   phone which is not compatible  with   VOIP nor headsets and it is noted on my account to remove the headsets and not to send me overseas. If overseas and sent back there is always a bad connectio n.     I tried to put an item in dispute too and it should win. If it is a problem I will really be ready to close the account.     I am so tired of being hung up on and fought with to hear.
Product: Vehicle loan or lease

I was approved for a loan with Santander Consumer USA a few years ago. I feel like I was approved with a high interest rate with expectations of defaulting on the loan. I feel like my balance has not changed even after making constant payments. I actually now owe more than the actual principal. My interest rate is over 25 % and its been very difficult to stay on top of it. Im not sure if I am eligible under this class action lawsuit against them but any information would be great. I think that its crooked and unfair that they approved vulnerable people with low credit scores just to add a high interest rate so they can default from loan.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX