23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

One day I had a credit score with Equifax and the next day it was gone and they had no score or record of me. I had a XXXX credit score and went to apply for a car loan. They tried to access my credit score with Equifax and said it didn't exist. I spent hours on the phone with Equifax over the course of four days, sent them a copy of my social security card and drivers license to prove my identity and still got nowhere. There answer was to try to start over and establish credit by going to department stores and getting credit cards. I already have credit cards and a good credit history. The call centers for Equifax are in XXXX and they just bounce you around from one department to the next without any help. I can not get a car that is needed for work because I no longer have a credit history. I worked hard to establish a good credit history by paying bills on time with the hopes of using this credit to purchase a car and a home at some point. With the click of mouse somewhere at Equifax my credit history disappeared with any help or hope to get it back. One company should not have such power over the everyday lives of hardworking citizens.
Product: Credit reporting

The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.
Product: Checking or savings account

In XXXX USBank started offering an Elite Money Market Account for deposits over {$25000.00} as a variable account. When the interest rate changes ( goes up ) it doesn't automatically do this. You have to contact the bank and ask for an exception to increase the rate. This isn't right as if the interest rate goes back down, I am sure it would happen immediately. I have contacted the bank several times and asked for exceptions and have received that but there is time lost waiting for them to do that thus less interest earned. This happens on the first accounts when offered that are opened and now if you open a new one account it is automatic. It doesn't seem like a stretch to make all the accounts automatic immediately. It almost feels like discrimination.
Product: Checking or savings account

Our Checking Acct. was charged 17 times fraudulently under the name of XXXX XXXX XXXX - various versions of it. We reported it the same day to Citizens Bank. They did reverse 12 of them, but then charged us Overdraft Fees for 5! Then today there was another fraudulent charge from the same fake company! Plus 2 more XXXX. Bank OD Fees! My husband 's Soc. Sec. chk. goes in XX/XX/22 & it will just go toward the over {$1000.00} neg. bal.! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations DBA XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. XXXX, XXXX, and Transunion have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation. 

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from Federal Direct Stafford/Ford Loan/William D. Ford Federal Direct Loan Program with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due. 

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights. 

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus
Product: Student loan

Letters of XXXX keep coming to my address, and it wasn't me that did the borrowing, I'm not in school and a senior citizen and not employed, I got some letters of deferred payment, I've call FedLoan services and talked to someone and told the person that it wasn't me but the letters kept coming of the total amount due, also this payment had went to consumer reporting agency, it went to the credit agency, I haven't been to school in years, looks like it was easy to get the loan but trouble to straighten out, In my elderly condition I want this thing discontinued, I don't want this loan to identify me as being the borrower, and I want it straighten out through the XXXX
Product: Checking or savings account

Direct deposit has been delayed since wednesday and they havent give an answer when will have our money.
Product: Vehicle loan or lease

Recently I noticed on my credit report a late payment mark was sent to the credit bureaus for my auto loan. I was never 30 days late and I even called ahead of time to make a payment. A payment arrangement was agreed upon and shortly after I received an email confirmation. I always make sure I pay two separate payments which was agreed upon for my payment plan. Proof shows that I made a payment on XX/XX/XXXX for {$250.00} and another payment on XX/XX/XXXX for {$250.00}. I don't understand how I could be 30 days late when I called ahead of time, received confirmation and made the second payment as soon as possible. There was no consideration taken due to hardship of finding work due to Covid.
Product: Debt collection

Since XX/XX/XXXXXXXX  I have put in no less than 8 disputes between XXXX, XXXX, and XXXX regarding this debt. Ive filed a FCC complained that was provided to XXXX in XX/XX/XXXX and no one reviewed/ substantiated the debt in question. Ive also contacted XXXX numerous times and had my tickets closed without explanation. The total owed is incorrect and Ive incurred higher expenses for car payments due to this oversight. I was billed after cancellation and had a TV service added without my consent. Service was cancelled XX/XX/XXXX. This is the 3rd time XXXX has sent me to collections without cause. Previously, I was charged for equipment that I never had.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i transferred XXXX $ to my coinbase wallet which arrived successfully. On XX/XX/year> i withdrew the same XXXX $ to be deposited into XXXX XXXX XXXX XXXXXXXX account on on XX/XX/year>. The same day coinbase withdrew my XXXX $ back without permission. The money did not show as pending in my coinbase account and was just missing with no explanation, coinbase them locked my account and stole all of my crypto balances. Coinbase says i owe them XXXX dollars. I can not get ahold of anyone in the company. I need my account unlocked and my crypto balances back that were stolen from me. I do not owe coinbase any money, they are saying they credited my account XXXX $ and that the original XXXX $ deposit did not clear from my bank even though it showed successfully deposited into my coinbase account.
Product: Credit card

Dear Sir/Ma'am, I hope this letter finds you well. 
On XX/XX/XXXX, I requested American Express to formally dispute the charge of {$910.00} on my American Express account ending with XXXX related to a purchase of an international airline ticket from XXXX. The charge was made for a flight ticket purchased on XX/XX/XXXX, through the XXXX website for a flight from XXXX ( XXXX ) to XXXX  XXXX ( XXXX ) on XX/XX/XXXX, flight XXXX. 

My return flight with XXXX was delayed significantly by XXXX hours, but I received no prior notification about the delay, leaving me unprepared and causing significant disruption to my travel plans. I discovered the delay during my online check-in process. Despite being aware of the delay, XXXX failed to provide timely updates or any communication regarding the situation. 

As a result of this delay, I missed my connecting flight with XXXX XXXX from Washington XXXX ( XXXX ) to XXXX ( XXXX ), which I had already booked. Because of this, I was forced to purchase new tickets with XXXX XXXX for {$370.00} plus {$21.00} for travel insurance, totaling {$390.00}. 

Furthermore, I made multiple attempts to contact XXXX 's customer service, but each time I was either put on hold for extended periods or the call was abruptly disconnected, and I was unable to speak with a live agent for assistance. I also lost a full day 's pay from my employer due to the extended delay and having to adjust my work schedule. This added financial burden only further emphasizes the inconvenience and negative impact this experience has had on me. 

In addition to the flight delay, I contacted XXXX via phone and email on XX/XX/XXXX and XX/XX/XXXX, requesting reimbursement for the expenses I incurred. XXXX responded by offering a 20 % discount on a future flight to be purchased from their agent and not online, which I rejected as it did not address my current expenses. Also, I dont want to use their services in the future because they are not reliable, and international traveling is frustrating enough. 

Although providing all the documents to American Express to show that XXXX didn't honor their promised service and requesting a dispute for the charge and reimbursing me at least the expenses I have incurred during the XXXX significant delay of XXXX hours without a proper notification, American Express denied my request multiple times on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I believe that I should be reimbursed due to XXXX 's significant delay of XXXX hours with lack of notification, for a total of {$390.00} to be partially refunded.
Product: Credit card

I was set up to have payments made monthly on auto to have the balance paid in full to take advantage of the XXXX rate. During the span of the promotion my payment was changed and I went over the allotted timeframe and they applied the interest plus charged 32.8 % on the new balance. I was never contacted about any changes or that my period was about to end and that all this interest would be applied. Carecredit was very deceitful and did not handle this appropriately. I paid off this debt and closed the account. I was able to get them to take off XXXX of the XXXX plus they stole from me.
Product: Credit reporting or other personal consumer reports

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

I'm tired of sending complaints to your company my money was wrongfully took over fraudulent deposits which there is no evidence to prove that it was me I want my money back the money was frozen an took from my account I will obtain a lawyer and sue wells Fargo wells Fargo has history of taking peoples money wrongfully an not giving it back so either my money is returned or I obtain a lawyer I will continue to file complaints with the cfpb until my money is returned
Product: Student loan

I have attempted to make several, on-time payments for my student loans. They keep being sent back with an error unable to locate bank account. 

This occurred on XX/XX/23, XX/XX/23, XX/XX/23, and again with my payment in XXXX, although I see no track of that attempt anywhere ( another issue ). I contacted them about the issue. It took over a month to receive a reply and they simply said renter the information and try again. Obviously, I have. Multiple times. I even removed the saved information to just enter it every time and still have the same issue. Sometimes it goes through, sometimes it does not. I already contacted my bank and on the dates in question, they dont even see an attempt from XXXX to collect payment. After looking online, I have found there are multiple people experimenting the same issue. They do not take debit card as forms of payment. This is the only checking account I have to use and I use it for everything. XXXX is the only one who has an issue processing the payment. They keep berating me for non-payment, when Im attempting payments and sending messages about the issue. Obviously, I am trying to make payment. 

This will be affecting my credit and payment history. I am requesting for my student loans to be put on pause, interest to be put on pause until we can figure out why their system can not process payments adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX
Product: Debt collection

Eastern Account System did not provide me with purchasing agreement or license number, according to XXXX XXXX XXXX, Eastern Account System does not have licenses or registrations to collect debt in the state I reside in Illinois. Therefore, they are not legally authorized to conduct business in Illinois.
Product: Credit reporting or other personal consumer reports

Both XXXX  XXXX Accounts Under 15 USC 1681e ( b ) Compliance procedures accuracy of report This account is NOT following reasonable procedures to assure maximum possible accuracy. It is inaccurately reported. Please DELETE immediately. 

Under the FCRA ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information within 30 days or delete it if unverified. Failure to do so violates federal law, subjecting the bureau to penalties. 

Urgent Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal and urgent complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed inaccurately on my credit report. Despite multiple disputes, these accounts persistently and erroneously report incorrectly, directly contravening FCRA regulations. Furthermore, these accounts are not reported by other credit bureaus, namely XXXX and XXXX, highlighting further inaccuracies in TransUnion 's reporting. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Details of the Complaint : Inaccurate Reporting : The two XXXX  XXXX accounts on my TransUnion credit report are inaccurately reported. According to the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Despite numerous disputes filed with TransUnion, this inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. The continued presence of these inaccuracies suggests that no reasonable investigation has been conducted, in direct violation of the FCRA. 

Inconsistent Reporting Across Bureaus : The XXXX  XXXX accounts in question are not reported on my credit reports from XXXX and XXXX. This inconsistency further indicates that the information reported by TransUnion is inaccurate and should be corrected or removed immediately. 

Request for Immediate Action : I demand the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. The ongoing reporting of this inaccurate information is severely damagi

ng my creditworthiness and is a blatant violation of my rights under the FCRA. Furthermore, under 15 U.S.C. 1681n, I am e
ntitled to compensation for willful noncompliance with the FCRA. Therefore, I also demand compensation for the distress and financial harm caused by TransUnion 's repeated failures to rectify this issue. 

I expect a prompt resolution of this matter. If these inaccuracies are not corrected immediately and compensation is not provided, I will pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.
Product: Student loan

The fed loan servicing agency is mismanaging my loans. 

I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. 

A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.
Product: Debt collection

i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this to me
Product: Credit card or prepaid card

I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did it.