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

On XX/XX/year> Someone cashed a check for XXXX on a compromised checking account and when the check was returned, they took the XXXX out of my savings account, even after they was told that I was not the one who cashed this check. Called the bank several times after filing a complaint and also have asked several times for the fraudulent check and what bank branch this check was cashed at. First call to the bank was on XX/XX/year> when noticed it was on hold, and told them that I did not authorise any money to be taken out of my account and that it was suspected fraud. Seen on XX/XX/year> it was taken out of savings account and called them again and filed a claim. Called the bank again on XX/XX/year>, XX/XX/year>, XX/XX/year> and was told it was filed wrong and supposedly another claim was filed. called again on XX/XX/year> and XX/XX/year> and no one could give me answers, spoke with a manager and again explained what happened and told him that I was not the person who cashed the fraudulent check, also asked him for copy of check and bank branch this check was cashed at. They closed the claim without returning my funds to my account and no copy of check or bank branch location. called them again and told them they need to reopen this claim. That is where I'm at now.
Product: Money transfer, virtual currency, or money service

After calling and trying to resolve the issues they acted like it was my fault. I do not play games for example, the XXXX XXXX. I didn't even k ow what any of the changes were for and they did not help. Started XX/XX/XXXX with XXXX charging me XXXX the XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. Then XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX for XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX twice all same day.Also, XXXX XXXX XXXXXX/XX/XXXX for XXXX. Finally I believe, XX/XX/XXXXXXXX XXXX XXXX for XXXX.
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. 

The letters are stated with items and issues. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repor
t containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Incorrect information from first rep that was corrected by second rep, main issue is actually a complete lack of communication about status of application and how to complete next steps via email which is dragging out the process and making me accrue further interest ( once on the XXXX plan I applied for, interest would stop accruing altogether ). 

- XX/XX/XXXX : Submitted application for XXXX plan through XXXX  - XXXX : Processed and sent to Nelnet - XX/XX/XXXX : Received a billing statement from Nelnet via email - XX/XX/XXXX : First saw message about payment being required to finish processing application ( no other details such as amount or why ) on Nelnet website ( had not checked website in a couple of weeks, no telling when it first appeared ), message implied correspondence with directions via email or regular mail had already been sent but I have not received anything in my inbox, spam, or mailbox - XX/XX/XXXX : Called Nelnet for details and was told to pay at least {$5.00} in order to finish processing application because of switching from XXXX to SAVE - XX/XX/XXXX : Made a {$5.00} payment on Nelnet site just as told, received confirmation email - XXXX : Checked Nelnet website for status of application to find another message about payment being required to finish processing ; this one says they will be sending correspondence with directions via email or regular mail ( see attached ) - XXXX : Called Nelnet, was told that I have to wait for the aforementioned correspondence before they will accept a payment to finish processing my application, not given any indication when that would be; was also told that any interest that accrues while I'm waiting will not be waived From digging online, I've found out that there is a special link in the correspondence for the payment, and that they will also not accept the payment over the phone. Since the beginning of September, over {$600.00} in interest has accrued and more is added every day they don't send this link. The only correspondences I have received from Nelnet have been the billing statement and payment confirmation listed above.
Product: Debt collection

I paid off a medical debt owed to XXXX XXXX directly at XXXX. For the past few months, I have intermittently been contacted by a group called " Elevate Recoveries, '' claiming that I owe the exact balance I've already paid on my medical debt. I think that this is a scam to collect duplicative payments on a debt that I have already paid. The emails and calls I've received from Elevate Recoveries have been very unprofessional, and I refuse to believe that this is a real debt collector.
Product: Debt collection

I pay the collection agency what i owe them and they refused to remove it from my credit report. They are not the only one that have rights, If a consumer pay their dept than a should be removed and not stay have collection on the report. What give the creditors the right to control someone life and future for seven years? I have disputed with all three credit bureaus but only XXXX and XXXX are a bit cooperative, XXXX only listen to what ever the creditors says and the consumers can never win with them. 

1. XX/XX/XXXX amount {$460.00} 2. XX/XX/XXXX amount {$400.00}
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX  offer from Fidelity on XXXX. On XXXX I received a letter from Elan Financial Services stating my application was denied because XXXX was reporting a credit score of XXXX. Naturally, I checked XXXX, and my credit score on XXXX was XXXX. I looked at my Fidelity account and Fidelity XXXX XXXX showed a score of XXXX. I called Elan Financial Services on XXXX and spoke to XXXX XXXX XXXX, who was of no help at all. I also called XXXX the same day and spoke to rep XXXX, and explained to her what was going on, call reference # XXXX. NOBODY CAN TELL ME WHY XXXX IS TALKING OUT OF BOTH SIDES OF ITS MOUTH!! Obviously this is somebody's idea of a prank or XXXX XXXX. I have spoken to an attorney and we are currently composing a letter to XXXX and Elan Financial Services. I would like a reasonable explanation as to why this is happening, but it is apparent that the important people at either XXXX or Elan Financial Services are more ignorant than I realized. God help the United States if these are the top brass calling all the shots and trying to make our country great again!
Product: Debt collection

I am currently in a Debt Relief Program. XXXX XXXX called my place of employment @ XXXXest, XX/XX/XXXX. Asking the receptionist to speak with my husband or myself. 
Then again, another phone call on XX/XX/XXXX @ XXXXest. They have my cell phone number but are attempting to reach my at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical
Product: Debt collection

Im trying to make this simple .on the date XX/XX/XXXX and XX/XX/XXXX I receive 2 colect bills from you now! In telling yo this debt was result of identity theft Im going to provide you a police report and mi right and legal documents to prove it I want to know how you can collect a bill in my name without the right documents Im filling up a report to this company be cuz I never have any service from you or you originally colect person company.. I will go to the bottom line in this matter yall can follow this with the XXXX county police dept
Product: Credit reporting

After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.
Product: Debt collection

XXXX XXXX sent debt to collections when insurance already paid it
Product: Student loan

I was approved for a XXXX dollar loan and denied the XXXX dollar loan. I did accept a lower amount. The loan in the amount of {$12000.00} was added to my loan account and is included in loans that I am paying back. When I contacted the loan company ( Navient or maybe XXXX XXXX at that time ) about the issue they said it was the schools mistake and has to be resolved there. When I contacted my school, my school said to contact the loan company. The issue was never resolved by either and I am paying back {$12000.00} dollars that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the card is showing as 30 days past due on credit reports for XXXX however i made two payments in XXXX XXXX on the XXXX for the XXXX payment and one on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to citi to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called XXXX to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for citibank for XXXX XXXX i opened a dispute with XXXX to resolve and citi bank said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, TransUnion, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Checking or savings account

On XXXX XXXX XXXX  I went through to the ATM. I work banking hours.Sothe call center m9st departments are not open by the time I get off work to ask for help.I took my IRS refund check to deposit to my account at my XXXX bank both my names mine and my spouse signed on the back of check but it through to deposit. So next day I see check say professed, but does not reflect amount if check for XXXX to my account.So, I call the bank they said they rejected my check because my spouse is not on my accoubt it will be up to 30 days they will have to mail my check back .I talked to 2 people that day in the call center that was XX/XX/XXXX XXXXI then call the XXXX XXXX branch .Where I had deposited the check. I spoke to XXXX at XXXX branch she said it has to go to XXXX there headquarters, They could not give me my check.Same it takes 30 days.I said ok .The next day Thursday XXXX XXXX received a email while at work .It says XXXX your account is XXXX in my account. I freaked out immediately went to sign into my accoubt knowing my direct deposit will be put in that account.I immediately think what can I do .I call XXXX bank they verify me and send to to fraud department. I get verified again and XXXX. I don't think that is her spelling Is very rude talking very fast, I am having hard time understanding and keeping up.I nicely state can you please slow down. Rudely, she keeps talking on about .I have go to branch with my spouse with taxes forms and identification to branch to unlock my accoubt because there is a hard hold on my account. PLEASE keep in mind lady is still talking rude and fast .I said I work when your bank is open, my spouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .She 's and repeatedly says go to branch with 1040 income tax firms id 's. So I like most Americans need are paychecks to buy food groceries. I keep all my money in my account. I went to my boss at my employment told them I must leave early to go deal with bank or I will have no funds to eat XXXXSo went to branch XXXX XXXX branch .Went to XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I took out a loan from Chase Bank to purchase my vehicle. At the time I was employed at my job for XXXX XXXX. Two months later my Job was heavely affected by the housing market and I was laid off. I was struggling to keep a roof over my head and my daughters head and fell behind in my payments. In XXXX of XXXX I had caught up on my payments when a family memeber lent me money so that my car would not be repossed. I spoke with Chase several times to let them know that I had lost my job and was struggling to make my payments on time. They took a check over the phone and cashed it two days later. I fell a few months behind again and once again got caught up and chase had taken my payment. After close to a year and a few months and XXXX resumes later, I finally found a job. With my very first paycheck I gave a {$1000.00} to chase which they recieved and with my second paycheck I gave them another {$2000.00} to get caught up in which again Chase had accepted. I also could not afford to get my registration up to date but after I got my job I was able to pay {$1300.00} to get my registration up to date in XX/XX/XXXX. Somehow through it all I managed to keep my car insurance through it all. On Sunday night XX/XX/XXXX I recieved a phone call from an investigator wanting to come and reposses the car. I was absolutly in shock. I called Chase Bank and they informed me that my account was charged off back in XXXX the same month that they took a check over the phone and my account was up to date. I let her know that I had lost my job and could not find employment for a year and that I had finally found a job and if I could reinstate my loan. She said no and that I better get creative and give them {$27000.00}. I asked her why they had accepted close to {$5000.00} of my money if my car was in charge off for 10 months. She said because I owe them money. Clearly I had no idea that for 10 months the car was in a charge off. I have given them {$5000.00} dollars since then.
Product: Credit reporting or other personal consumer reports

My credit score keep decreasing even though I have paid more than {$10000.00} in last six months. They are forcing me to take loans from them and promising that my credit score will increase. 

There will be an inquiry and more credit utilization but they still promising my score will increase. 

It is a racket that is forcing me to take their loans or else they will continue to decrease my credit score. 

Even if I use {$200.00} from credit card- they will dip at least XXXX points. 

Since XXXX has taken over XXXX XXXX these coercive practices have increased drastically. XXXX is deploying the same practices that it has done with XXXX XXXX in the past. 

Many a times- they offer me a card with guarantee approval and say they will pay me an amount if it is rejected and the credit card company says it will get back- and it never does- while I never get the amount while my score decreases due to inquiry. 

They add up XXXX to my credit utilization as taken but not when it decreases the other card. 

There is not a single missed payment, not a single derogatory remark, and only 22 % utilization. 

The post a single transaction I make immediately, however it takes forever for them to post my payments and after three months- they omit to even account it towards my credit score. As it goes in the backlog and they add up the new payments. 

I think it has also to do with my race, ethnicity, last name. 

I have always been impeccable with my monetary responsibilities and credit history and they are using this tactic to make me buy their products.
Product: Prepaid card

On XX/XX/2017, I received and alert and a phone call from my bank, XXXX, with an alert of possible fraudulent activity. At XXXX, I received a message asking if I had made money transfer. At XXXX, I responded that I had not made any transfers. At XXXX, I received a call from my bank and my account was frozen for my protection. 
I immediately tried to sign into my American Express Serve account to no avail. At XXXX, I called American Express customer service to report the problem and discovered that my account had been hacked and my password had been changed. Someone had made transfers in the total amount of {$930.00}. The representative gave two names and asked if I knew them, which I did not. The names I was given were " XXXX '' and " XXXX ''. I do not know these people. I was reassured that the matter would be investigated, and the persons involved would be prosecuted. I was thankful to know that I would be protected from this fraud. 
On XX/XX/XXXX, I received two emails, one notifying me that the investigation had been closed, that I was in violation of my account agreement, and that my account had been locked and my account privileges suspended. And the other stating that based on their investigation, they determined that no error occurred and that the transactions in question were authorized. They also stated that I had the right to review any documents they relied on in making their determination. 
On XX/XX/2017 ; I mailed a request for this information, using certified mail with a signature card. I sent it to the address given and it was signed for on XX/XX/2017. 
I still have n't received and documents showing how they made their determination. I have called customer service on numerous occasions and several rep have claimed that they would send my concerns to their investigative team and I still have heard anything and no one will give me a number to call the investigative office, claiming they do n't have a number to give me.