23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had ( credit card ) charges denied three times in three weeks. Our bill is paid in full each month, so it is not due to our behavior. US Bank is becoming overprotective and seems to think everything is going to be a fraudulent charge. I have spent many minutes on the phone getting my card " unlocked '' when I have done nothing wrong! US Bank is clearly more interested in holding on to their money than they are in my being able to use my credit card consistently. 

Approximate dates of denial of charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They agreed to have text messages sent to me when this occurs so that I can quickly say " Yes, that is my charge, '' but today 's denied transaction gave me no such message. 

THE PROBLEM IS THAT THEIR IS NO INCENTIVE FOR US BANK TO CHANGE THEIR BEHAVIOR. I can be penalized for MY mistakes, but they are not being penalized for theirs.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. XXXX not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$380000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1000.00} last XXXX. To date I have repaid {$2500.00}. I am working with a financial consultant and have been advised to stop paying, as this was a predatory loan. The company will not close my account, they are harassing me daily at home and calling my work. The APR was 673.49 %, which is ridiculous. I have told them, that I will no longer be making payments, and they are not ok with that.
Product: Debt collection

I received a Reduction Offer letter for a debt I do not owe on XXXX XXXX XXXX  They claim to be collecting on behalf of XXXX XXXX - XXXX XXXX in the original amount of {$390.00} but offering to accept {$270.00}. 

I have not used XXXX XXXX in over 15 years and never at the location listed on the debt. I did not leave a debt when I did leave. 

I see RGS has performed a credit inquiry on my credit report. I don't appreciate credit inquiries especially for a service or product I did not use.
Product: Student loan

I was approved for Borrower Defense for my Federal loan debt for XXXX XXXX XXXX. As my Federal debt was forgiven, and XXXX being found to have defrauded students by using aggressive sales tactics and pressuring students into getting high interest private loans I am writing to complain about my repayment of my private debt. I had no intention, originally, of obtaining private loan debt as I was told by the Financial Aid office at XXXX they would be able to find plenty of federal grants and federal loans for me to cover the cost of tuition. When it came time to finish signing up for my financial aid I was told I was short and needed a private loan with a cosigner in order to finish my degree and that the payment would be low upon graduation. Feeling pressured since I had already started I applied and was given the private loans with my father as a cosigner and finished my degree in XXXX. Upon graduation my minimum payment was more than half of my monthly income with an interest rate of 12.99 %. I could not afford this so opted to pay interest only for a few years, which at the time was still half my income. Finally after 10 years, I was able to refinance to get my father off as a cosigner and to obtain a lower interest rate. After paying on the loan for several years it was not going down in total so I refinanced again so that I could start to make a dent in the total amount due with a 9.99 % interest rate. In the meantime, I applied for defense to repayment in XX/XX/XXXX, and my application was in limbo for a long time. Eventually, in XXXXXXXX XXXX XXXXXXXX, I was denied by the administration in the DOE. With having to pay federal and a private loan again I refinanced with XXXXXXXXMohela in XXXX of XXXX for a 3.909 % interest rate. Eventually, due to the efforts of XXXX, all of our applications and some excellent attorneys, I was able to obtain full forgiveness on my federal debt when the lawsuit XXXXXXXX XXXX XXXX was successfully won. A suit that was defended successfully against appeal, over and over again before being finalized. Which brings me to today where I am currently saddled with private debt 18 years later, for a degree from a school that has since closed due to the multiple lawsuits against it. My college credits earned are not transferrable anywhere. The school was found to be culpable in profiting off the backs of students like myself who were trying to get a personalized educational opportunity only to be pressured by a corporation. I dispute that I should have to pay these private loans back when the original loan company, XXXX, is giving out applications for private loan forgiveness based on school misconduct. I would like to request XXXX/Mohela provide the same type of application so that I can request the remaining debt be cancelled. While it wont make up for the 18 years I have paid on this loan with it still not even being halfway paid off it would allow me to allocate funds to my daily life instead of living paycheck to paycheck.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries associated with my identity. As a victim of the Equifax data breach, my personal information was compromised, leading to unauthorized and fraudulent activity. Under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts and related information removed from my credit report. 

Below is a list of accounts and balances that I have identified as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} These accounts and associated balances are not authorized by me, and I request that they be blocked and permanently deleted from my credit report. 

For your reference, my personal information is as follows :
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX  back in XX/XX/XXXX. The vehicle was paid by my insurance, and a small balance appears on the account. Per statement received, next payment due would be XX/XX/XXXX. Financial Institution report delinquency that still affecting me. The vehicle was never late. They reported 60 days past due.
Product: Student loan

Basically, I have been making attempts. Currently on my fourth attempt while trying to minimize issues with the process by completing a full manual certifications with both my own signature and my employers ' signatures. This final attempt might take a while to process. The third attempt, " XX/XX/XXXX '', I selected a deferment of loan payments due to my completing the > 120 payments. On studentaid.gov, a representative of XXXX  XXXX University provided an e-signature, which shows " completed '' on studentaid.gov. On the Mohela website, they list the same activity as a " duplicate form. '' Note that the form also requested a forbearance ; however, Mohela recently deducted {$480.00} on XX/XX/XXXX. 

Let us now move back in the timeline of attempting to get my last year of a six-year tenure at XXXX  XXXX University certified , which after eight months has not been certified. There were XXXX attempts at electronic certification. The first and second attempt was started on XX/XX/XXXX. I say first and second because XXXX  XXXX University sent XXXX separate forms, XXXX electronic to Mohela and the second through traditional mail after the first did not result in employment certification. Thus, there have been XXXX attempts by XXXX  XXXX University to verify my employment and XXXX attempts by me. XXXX of the XXXX  XXXX University attempts have been in vein, while XXXX of my attempts have resulted in the same issue. Although I am hopeful for a fourth attempt at something as simple as employment verification to be successful, the same " simple '' descriptor has be speculating that a single entity or cartel is causing a severe issue in the student loan sector which specializes in civil servants.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. I have bills that was due Wednesday and are cutting off my services. Everyone at my job has got their paychecks two days ago. I work for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened an account with Santander USA while purchasing a car. 
Every payment per month, I obtained 1 point toward my credit score. During Covid, I complained about the company Santander USA for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the Santander USA staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late.

Their efforts failed. Their system partners with credit bureaus such as XXXXXXXX, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, Santander USA recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the Santander USA, XXXX, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX Santander USA reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of Santander USA, XXXX, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, Santander USA, XXXX, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
Product: Student loan

My mother was a co-signer on my Wells Fargo private student loan. My parents claimed bankruptcy. Wells Fargo discovered that my parents claimed bankruptcy and hid my account. I suddenly could n't access my account online. I tried talking to Wells Fargo about it. They would n't talk to me about my account. They would n't tell me how much I still owed. They would n't tell me anything about making payments. All they would tell me is that legally, they could n't discuss my account or collect payments because of my parents bankruptcy. They said that the account would reappear after XXXX years. My parents bankruptcy ended this past year. When that happened, my student loan account reappeared, and Wells Fargo aggressively came after me, calling at least once an hour. They said that I defaulted for XXXX years. They said I owed them the entire student loan, I could no longer make payments. They said that my default voided out agreement. They reported XXXX years of backdated defaults to the credit bureaus. They destroyed my credit overnight. They turned the loan over to collections. I ended up settling on an amount. I ended up paying them with the only money that I had, which was a federal student loan. Fortunately, I was in grad school at the time. But, it really messed up my living situation because I had to use that federal money to pay off the old Wells Fargo debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft someone has inwuired to XXXX nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud
Product: Mortgage

On XX/XX/2020, I set up automatic payments on https : //www.tmscustomer.com. I have 10+ credit cards and 2+ mortgages, whenever I set up an automatic payment, it is effective immediately. 

On XX/XX/2020, I was rushed to the emergency room and I had XXXX and XXXX. I was hospitalized for 5 weeks. I was so ill, I was not able to care for myself to include being able to XXXX due to XXXX XXXX XXXX & not being able to XXXX on mobile devices due to the symptoms of these illnesses. I was released from the hospital on XX/XX/2020. 

On XX/XX/2020, I double checked https : //www.tmscustomer.com to ensure my payments were current and everything was smooth. Unfortunately, I found out that wasn't the case. Therefore, I made my payment immediately for XX/XX/2020. 

I contacted TMS Customer Service the following 2 business day ( XX/XX/2020 ) and ( XX/XX/2020 ). I was informed that automatic payments take 1 month to be effective and I informed them it was an error on there end because I wasn't informed of this. 

Additionally, I was advised by XXXX, XXXX & XXXX to contact them directly to dispute the late payment due to their error and due to me contracting XXXX. 

On XX/XX/XXXX, I spoke with 3 different representatives. One representative informed me she would dispute the information but was not 100 % sure on this case. Another representative refused to let me speak to the credit department and told me to call her on XX/XX/2020 which I did and she informed me my request was denied and she wouldn't suppress the information due to the above errors and illnesses. 

Please remove/suppress the late payment for this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written Equifax several times of proof when XXXX XXXX was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX XXXX filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance XXXX is deferred in good standing, but showing negative on XXXX and Equifax
Product: Credit reporting or other personal consumer reports

These lenders have accessed my credit file without my knowledge or consent, some have even done it multiple times and within a period of 5 days apart. I have sent letters to these organizations to have these hard inquiries removed from my credit report and I keep receiving requests asking for an account number, which I don't have or know. Some have also responded stating that they would remove the hard inquiry, but it still shows on my credit file, affecting my ability to obtain credit approvals from lenders I actually want to solicit. Please have these organizations remove their hard inquiry from my credit file. I also have submitted a report for identity theft : IdentityTheft.gov Reference Number - XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX XXXX  / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX responded would remove inquiry, yet it still reflects on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said there would be no impact to my credit score, yet here it shows up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Syndicated Office Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card or prepaid card

I have disputed a series of charges. The following are the amounts disputed along with their case ID numbers. 

{$1.00} XXXX {$4.00} XXXX {$51.00} XXXX I spoke to XXXX from XXXX who has an ID of XXXX. XXXX promised me on XX/XX/21 at XXXX XXXX CST by calling me from the number XXXX. He said that I would see a temporary credit within 3-4 business days. I also would not be expected to pay any interest on these charges while they were being disputed. He also stated that I didn't have to pay a payment on XX/XX/21 because my current statement balance only has these three temporary credits. I sent myself an email with these details immediately after the phone call in order to document this communication. 

Barclays failed to keep their promises to me. They failed to provide a temporary credit to me in the promised amount of time. They also failed to keep interest charges on the disputed amount from being added. I have enclosed a picture of my current balance, which shows that there was a {$0.00} interest charge added after my phone call. This was interest on the disputed amount. It was added despite the fact that I went above and beyond what was expected of me by paying my statement balance on time, even though it included the disputed amount and XXXX told me that I didn't have to pay it. I am attaching my recent card statement to demonstrate that I paid the statement balance. 


I spoke to a front line customer service representative on XX/XX/21 who refused to fix my issue.