23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had just got home from work on Friday afternoon XX/XX/2020 when I checked my online checking bank account at U.S. Bank to find that there were three charges that I did not make, two on XX/XX/2020 and one charge made on XX/XX/2020, that had just processed out of my account. As soon as I saw these charges on my account I immediately called U.S. Bank fraud department, immediately cancelled and deactivated the current card in which these unknown transactions took place and instantly was reissued a new debit card and new PIN. I will also state that at no point in time was my debit card or account linked to these purchases lost or stolen at any point. I physically had my debit card with me on both XX/XX/2020 and XX/XX/2020 as well as every day prior. I will attach my Estatement from U.S. Bank with the three charges. One debit purchase charge made on XX/XX/2020 was for XXXX # XXXX XXXX XXXX  XXXX XXXX CA for {$400.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$180.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$200.00}. Attached are the serial Numbers and as well as purchase numbers. I currently have two jobs and have documentation ( two time cards ) stating I was working both jobs from morning until night on XX/XX/2020 and as well as I was working the morning/afternoon on XX/XX/2020. I will also attach two letters from Cardmember Services from U.S. Bank stating an issue of provisional credit as well as the letter stating a denial of said provisional credit. In these letters there are times stated for each of the amounts taken out. The {$400.00} charge was charged at XXXX XXXX on XX/XX/2020. I have cameras at the current apartment I live at. I will be willing to get security footage of being home from work before XXXX XXXX  and not leaving my apartment until the early morning ( around XXXX XXXX  ) on XX/XX/2020. The times stated for the two ATM WITHDRAWALS on XX/XX/2020 are XXXX XXXX   and XXXX XXXX. I have documentation that I am willing to obtain stating that I was working from roughly XXXX XXXX   until XXXX XXXX  on XX/XX/2020. I will also attach the documentation from U.S. Bank with the provisional credit that was credited back into my account the PIN CLAIM APPROVED amount of {$780.00} on XX/XX/2020 and what day and time that transaction went through as well as the documentation of the date and time they took out the provisional credit once my claim was denied. Along with U.S. Bank taking out {$780.00} as a Miscellaneous Adjustment Debit on XX/XX/2020 they had also charged my account two {$36.00} charges on XX/XX/2020 that I would like to dispute. I did not make these three transactions stated above. I have documentation stating this was not me. I have never given out my PIN number, account number, card number, or any personal information regarding to myself or any of my banking accounts. I would like to dispute and file a complaint on U.S. Bank as they are accusing me of fraud that I did not partake in. I have also filed a local police report for fraud taken place in the amount of {$780.00} as well as {$72.00} from U.S. Bank.
Product: Mortgage

The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.
Product: Debt collection

Sharing of information is the best description but third party about my debt is what I checked cause none of the descriptions was mine. I 'm calling about : I spoke to XXXX on XX/XX/2017 about a hospital bill for my son at XXXX Hospital. I made payment, which I had no problem with. My complaint about XXXX is he asked me about other family member bills under my address. One was for my daughter " an XXXX '' bill and another was for a XXXX " some collection bill he has with that agency ''. I told him I 'm not calling to discuss anyone else 's bills just the account that I 'm calling for. He had no business asking me about someone else 's bill/account at the address that I 'm at. When I asked him why are you asking me about their bills he said because they are listed at the same address. I do believe he just broke some type of privacy law. What if my daughter never wanted me to know she went to the XXXX or that she has bills in collections??!! That was totally unprofessional of him to ask me about someone else 's bills!!!! I called back today to talk to his manager to give a complaint but the receptionist said she could only put me through to him and then he would transfer me to his manager. How am I to know that the person he would be transferring me to is really his manager???!!! And then I thought she was transferring me to a manager after I complained to her and SHE transferred me to him anyway!!! I hung up on him and now I am writing you this complaint. Do n't know what could be done about this but certainly there was a law broken asking me about someone else 's accounts!!
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 {$4200.00}, {$5400.00}. 
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, XXXX XXXX, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I contacted U.S. Bank regarding my XXXX XXXX XXXX XXXX account because I was charged {$85.00} in combined interest and late fees. I had paid {$80.00} on XX/XX/year>, well in advance of my due date, intending to cover my minimum payment and more. However, on XX/XX/year>, I was one day late on a remaining {$5.00} minimum payment due XX/XX/year>. For this, U.S. Bank charged me a {$40.00} late fee, despite my prior {$80.00} payment. During the call, I spoke to a supervisor who was extremely rude, refused to waive the fees when I explained Im XXXX and trying to get out of debt, and hung up on me when I asked for a survey. I believe these fees are excessive for a {$5.00} overdue amount, especially given my payment history, and the customer service was unprofessional. Id like U.S. Bank to review these charges and their handling of the situation.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments for the account : XXXX XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Student loan

I have a private student loan through Sallie Mae. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. 

Last semester, Sallie Mae distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily Sallie Mae, but I believe Sallie Mae should hold the school accountable for making sure students get their money in a timely manner. 

I called Sallie Mae on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester.

Sallie Mae disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XX/XX/XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to Sallie Mae they are of absolutely no help, and I believe that Sallie Mae doesn't care at all that the school is taking advantage of us. 

I believe that Sallie Mae should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. Please, please help me with this situation as I have no idea what else to do. Thank you very much for your time and help with this matter.
Product: Money transfer, virtual currency, or money service

Scammer on XXXX XXXX  who send fake emails pretending to be Zelle on XX/XX/16 that they as a buyer has send too much money via Zelle and needed the difference send back. Send emails with Zelle logo with fake confirmation they had zelled too much money.
Product: Debt collection

I have XXXX charges of XXXX from Gold Key credit XXXX medical bills. 

I opted to pay off these stated debts as this debt collector has been submitting these debts upwards of 5-7 years old as new debt month to month causing ongoing detriment for years which far exceeds the value of the debt. 

IN contacting Gold Key, THEY agreed that paying off the XXXX debts they would fully remove the debt from my credit. 

According to my bank statement, this was paid in full on XX/XX/2016 in the total amount, {$130.00}. 
PURCHASE AUTHORIZED ON XX/XX/XXXX GOLD KEY CREDIT ( XXXX XXXX FL XXXX CARD XXXX To date, the promise from Gold Key to remove this debt has not been fulfilled as it still shows on all credit reporting agencies with mis-leading, false or inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently noticed an inquiry on my credit report that I do not recognize or recall authorizing. I never applied for credit with this company, nor did I give them permission to access my report. This unauthorized inquiry is extremely concerning, as I believe it to be fraudulent. It has caused me a great deal of stress and anxiety, leaving me worried about how and why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDLENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT DO NOT BELONG TO ME NEITHER HAVE I BENEFITED FROM THESE INQUIRIES OR ACCOUNTS
Product: Checking or savings account

XXXX, my employer, sent funds to my account on XX/XX/year>. every single day since then I have reached out to XXXX to find out where my money is at and every day the claim they haven't received anything. my companies bank, XXXX XXXX, even did a trace on the funds and found that my bank has already received and accepted these funds but have not made them available to me. this had cause my family and I a great hardship ad we have been stranded in XXXX out of our state of residence in XXXX  without any way to get home, without food or anything.
Product: Payday loan, title loan, or personal loan

A man got my personal info and applied for two loans and a credit card in my name. I was unaware that he was getting loans in my name. Upgrade, Inc says I am responsible for repayment of the loan that they advanced. The man had previously deposited money into my account and had me wire it to other people. When the money from Upgrade showed up in my account I was unaware that it was money LOANED TO ME. This occurred in XXXX XXXX The man had me send the money to a woman in XXXX Texas. The next day I discovered what had actually happened and immediately contacted Upgrade and explained that I never made an application for loans, credit cards etc with them. I found a second amount was being sent to my account and told Upgrade not to send it. They sent it anyway. I returned that money to them. Then a credit card showed up in my mail. I cut up the card and mailed it back to their fraud department explaining that I never applied for that credit card. Upgrade opened a fraud/identity theft case. I have contacted the FTC and reported the theft of my identity. Also, reported to FBI on their website, the Tx Attorney General, the Florida attorney general, My bank closed my account and opened a new account for me. ThXXXX XXXX XXXX XXXX XXXX is investigating. Upgrade responded that only the account that I sent the money back was fraudulent and the initial account is valid. Ridiculous. I have asked for all initial applications for credit be mailed to me. This company wants me to make monthly payments of XXXX. My total income is {$1300.00} from Social Security and {$480.00} from XXXXXXXX XXXX XXXX XXXX I would never borrow money with those terms. It is asinine for them to hold me responsible for this money. I have proof that the con man admitted that he was the one who applied for the loan.
Product: Student loan

I never got or requested a loan from Great Lakes or no other loan company. I never signed for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in the amount of {$2200.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.
Product: Vehicle loan or lease

I went into my local dealership to purchase a vehicle. Upon arriving the dealership informed us that they have someone that can help us obtain a loan. During the paperwork we were told that our rate was going to be XXXX point something percent. We agreed and stopped our process of obtaining a loan with other financial institutions. The date we went to sign all the papers and pick up the car we were told as we are signing the papers that the loan is 8.5 %. We were surprised and tried to renegotiated but they told us that things change.
Product: Vehicle loan or lease

My husband and I purchased a car in XXXX at XXXX on XXXX XXXX, XXXX XXXX financed through Bridgecrest XXXX XXXX XXXX, XXXX, AZ XXXX. The car title is just in his name. My husband died XX/XX/XXXX and I contacted Bridgecrest in XX/XX/XXXX to inform them that XXXX passed away and to make an additional car payment. We had auto pay so the account was and still is current paid up to the end of XX/XX/XXXX. Bridgecrest told me they needed a copy of his death certificate and POA that they couldn't discuss the account with me because I wasn't on the Title but they allowed me that day to make an additional payment ( XXXX 's pymt ). In XXXX I went to renew my tags at XXXX and my car was flagged to go to Register of Wills to get death cert./POA and I did. Long story short XXXX wouldn't renew my Tags because my name wasn't on the Title and told me to contact Bridgecrest for resolve. Per Bridgecrest to add my name to the Title they had to go thru this process that could take up to 90 days '. I said before we started let me give my financial info., Per Bridgecrest my income was ok, they ask me if XXXX had any children, I said yes, so they informed me that his children had to sign off thru a notary that they didn't want the car. Long story short, I told them XXXX separate times throughout our conversation to start the process, but I also told them I needed to research to see if that was legal for them to do because XXXX and I was married in XXXX, we purchased the car in XXXX, what does his kids have to do with it and if all children didn't want to sign why would I pay for a car that might not never be mine. Bottom line, I told them to start the process. Next thing I know my car was taken out of my driveway on XX/XX/XXXX and I called the police to report my car stolen because that's what I thought happened since my car was paid up to the end of XXXX. I did not know that they repo my car. XXXX Police responded and toke the report. Long story short, I later found out that Bridgecrest repo my car, that they said I told them to come get the car .... ( which they toke out of content ). They then started playing semantics with what I told them. I know I probably left out some pertinent info so if someone can contact me asap I will gladly give you more details.
Product: Money transfer, virtual currency, or money service

On Several different occasions when using Cashapp funds were not refunded there was never an opportunity to speak with live person so money was lost
Product: Credit reporting or other personal consumer reports

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX