23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX after waiting 4 days for a check from the XXXX XXXX XXXX XXXX XXXX XXXX to arrive I thought it would be a good idea to use the mobile upload Services instead of waiting to go to a bank. Assuming that they would authorize me to have some of the funds while holding the rest but I was wrong. Due to this and my urgent need for the funds I called on the morning of XX/XX/XXXX. I spoke to a supervisor of which informed me that they were going to go ahead and reverse this transaction so that I could cash the check that day. She advised me to keep an eye on my email as that's how they would be letting me know this issue was taken care of. I spoke to multiple people throughout the day almost every couple hours and they all told me the same thing wait for the email it will be canceled. I even spoke with a representative and the man at the check cashing place that I walked XXXX miles to get to because they needed to be told that Credit Karma was canceling so that they could cash for me. I waited around there for a couple hours before finally walking all the way home and calling again. At least XXXX different Representatives said that they sent a note marked urgent to the department it needed to go to in order to speed up the process of this transaction being canceled. I was Furious and frustrated as I could have went to XXXX and had them issue me a new check and cancel this one but no they wasted my entire day multiple Representatives lying to me telling me that it was going to be available for me to cash that day. At XXXX XXXX. I called and the representative informed me sorry were unable to do this after all. I begged him to ask his supervisor to please help me and he said that he did but ultimately my check would be held until the XXXX of XXXX! I literally was told by multiple people all day long that it was being reversed and to keep looking at my email. On the second of XXXX I did a help chat with a representative and this person told me that it was still in the process of being reversed and to keep looking at my email. A few hours later I called and spoke to another supervisor and she told me that she doesn't know where that person got the information that it says my money will not be available until the XXXX of XXXX. As you can see I have been through the ringer the last couple of days and I am already enduring so much stress in my life and this is not helping. I received a state/ government check because I am in desperate need and this bank is telling me that I can not access my money for XXXX  days from the time of deposit after telling me for over 24 hours that it was going to be reversed which stopped me from being able to go to XXXX to cancel the check. This has not only inconvenience my life but this is put my children and my animals without food and this has caused me a great deal of stress. I am in desperate need of my own money and they will not give it to me and I keep getting different answers from people and I'm just over it. They lack professionalism nor do they care about the customers at all.
Product: Checking or savings account

XXXX payment on XXXX for {$700.00} was send to merchant. XXXX had a bad email address. XXXX was sent from account. Chase Bank can not tell me who received it. The intended person did not get it. I want to press charges but need name of individual and bank. Chase told me to contact XXXX with a claim number they generated. When XXXX is called you can not speak to anyone. I have spoken to XXXX people at Chase and get the run around. the XXXX web site states to contact your bank. Either Chase or XXXX are wrong. I live on XXXX XXXX, I currently have {$49.00} in my checking and do not get paid for a week. Since the money went to an invalid account. They need to tell me exactly where the money went. Sure it is sitting in one of their suspense accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

XXXX  XX/XX/XXXX I had to drive the citie bank becouse I was having an issue with my card not working and I couldn't log in with my credentials and every time I tried calling to see if I can resolve the issue they would rudely hang up on me becouse they could not verify my phone number witch I was using that very number to talk to them on .so I went in today spoke to some one to see the issue I wanted answer and what was said to me was that wasn't the only account I had with them that I had a prior account before this one I asked can I see what transaction the only thing they said was there a fraud alert this is the second account I had with them and it was being closed due to fraud and they would mail me my check I had in there and they also gave me the address to the first time I opened it was to my grandmothers address I never used that address in my life so something was vary odd about that a note I might add my family member is really into doing fraud and I suspect that it was my sibling that did all that becouse they stole from me before I just didn't know how to prove it my state pandemic checks every single one was sent out to me and was cashed but not by me i never saw a dime of it and now this account with citie bank is all screwed up and its all coming together and making sense i really need help fixing what is being done to my identity and accounts I worked all my life I should have been blessed to get my stimulus and bank account and my identity is worth alot and these fraudsters just stole my life just like that its not fare I am homeless and my identity is all messed with I worked so dam hard for what I had coming to me please help me figure something out I just don't know what to do or were to start.
Product: Debt collection

RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office  stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! 
The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). 
There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person. XXXX continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

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

I purchased a XXXX  XXXX XXXX in XX/XX/XXXX. I have ben up-to-date with all of my payments. Toyota recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were two payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted Toyota Financial Services to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and XXXX. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with Toyota, XXXX and XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of XXXX. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them XXXX payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears. 
They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report. 
When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute. 
They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show XXXX lates because the XXXX payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.
Product: Student loan

Aidvantage has ignored my SAVE application, which I submitted in XXXX, for over two months. I have looked into whether this is typical, and there are endless complaints from people in a similar position -- at times, never receiving an update for almost a year! Meanwhile, the Federal Student Aid site had said we should hear from them within 4 weeks ... My SAVE application aside, they are a terrible business generally. Their customer service is a disgrace. They are nearly impossible to get in touch with and unhelpful once you're able to speak with someone. The representatives routinely contradict one another and are rude to customers. Their website is similarly a disgrace. It is EXTREMELY confusing and difficult to navigate ( and I am tech savvy ). It's nearly impossible to confirm what payment plan you're on or what your total monthly payment is. Aidvantage is either grossly negligent or intentionally scamming us. I live in XXXX, which is very expensive and can not afford to pay over {$1000.00} a month on loan payments. The federal government routinely encourages me to enroll in SAVE, but aidvantage won't even process the application. Aidvantage is truly awful in every way, and many other customers are in a much more dire situation than myself. A simple XXXX  search reveals endless complaints of people being charged the incorrect amount, being extensively ignored, being told incorrect information and finding inaccuracies in the payment records. I strongly believe Aidvantage should be held criminally accountable. They are clearly taking advantage of their customers and we customers were assigned to this servicer by FSA. It was not our choice to work with Aidvantage and we seem to have no recourse.
Product: Credit card or prepaid card

XX/XX/22 I agreed to a soft credit pull application. Contract states the account is not active in less. I agree to wet by not contacting them and stating to cancel the agreement however, I received a credit inquiry as well as it listed as a new account on my credit reports with all three bureaus, and I only ever gave my last XXXX of my social to XXXX, credit card company, and the bank that they use to process credit cards. I contacted them and told them I never agreed to taking the card and the contract states that it is a soft credit pool and is not finalized unless I do accept the offer by not canceling within 30 days or if I use the card. I contacted XXXX and they said I can close the account but theres nothing I can do about the hard inquiry or loss of credit score points even if I cancel the account.
Product: Debt collection

THIS US NOT A DUPLICATE COMPLAINT! 

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the XXXX items I specifically requested in accordance with the FDCPA. 

My complaint specifically addressed the issue of XXXX compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. 

Therefore my request is twofoldvalidation of debt and XXXX authorization. XXXX ) Please provide breakdown of fees including any collection costs and medical charges. XXXX ) Provide a copy of my signature with the provider of service to release my medical information to you. XXXX ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$66.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( SBNA/ SELF LENDER ) reported what was notated as a ( LATE PAYMENT ) ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b, No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my consumer report should be based in accordance with my written instructions.
Product: Money transfer, virtual currency, or money service

I received an email from XXXX XXXX  ( fraud ) stating my account was being charged {$530.00} for purchase. I was to contact them at XXXX for a refund. I was asked to print out a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. They indicated they would reimburse my money and I was to check my bank account at which time {$20000.00} was reflected in my checking account and was led to believe they accidentally transferred the incorrect amount. I was unaware that they had transferred {$20000.00} from my husband 's savings account into our checking account and then wire transferred {$190000.00}. Wells Fargo had texted me two texts. ( 1 ) to enter Advanced Access code to verify my identity ( 2 ) to enter Advanced Access code online to verify my identity. I immediately called Wells Fargo and requested the fraud department and reported that the wire transfer was a fraud as was the account transfer. All of this took place while the transactions were still pending. At that time, we were told by the woman that she would report it to the fraud department and we would hear from them within 10 to 15 days. We received letters from the " fraud department '' dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. The letters were signed Claims Assistance Center, Online Fraud Claims. Neither my husband nor I could make heads or tails of their letters. They were vague and did not deal with amounts of money, etc. I am currently writing to Wells Fargo for further information. I researched Electronic Fund Transfer Act and it states that if a person promptly notifies their bank that access to their account was stolen, the law limits the person 's losses to {$50.00}
Product: Credit reporting or other personal consumer reports

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 Number XXXX, Account Name XXXX XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX  Account Number XXXX has XXXX my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

THIS INFORMATION IS INCORRECT. ELIMINATE XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I previously sent four dispute letters to Experian since XXXX of XXXX, in regards of a XXXX XXXX XXXX account number XXXX that was never validated I pointed out the inaccuracies on all three of my credit reports which shows the open date on XXXX  and XXXX is XX/XX/XXXX but on Experian, the open date is XX/XX/XXXX I wrote to them according to the FCRA this is not 100 % correct and it's inaccurate and it needs to be deleted. Also, Experian told me that unless I send them additional relevant information to support my claim and that they want investigate, even tho I pointed out the inaccuracies. This is my 3rd and final complaint before I sue Experian in federal court.
Product: Checking or savings account

Marcus : by Goldman Sachs opened an online savings account in my name without my knowledge or permission. Upon receiving statements in the mail, I contacted their customer service line to request that the account be closed. No action has been taken by the bank.
Product: Debt collection

I do not recognize this medical debt. I have asked the collection company numerous times to validate XXXX XXXX. Not once have a received a response from CAPITAL ACCOUNTS LLC. They are also illegally charging interest on this not validated or verified account. Last year XX/XX/2020 the collection showed a balance of XXXX}, now a year later it shows XXXX}. The credit bureaus are also of no help, I dont know where else to seek help. This is my last attempt to get answers before I seek legal help. Thank you.