23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There is a Loan with XXXX XXXX ACCOUNT XXXX for XXXX and XXXX. I never use XXXX XXXX for my student Loans Only Nelnet and this is incorrect on my credit report. They tried to get my loans but I never signed for them to be my loan service. Should not be on my report. 

Nelt/net has accounts that are reporting inaccurate information from two sets of accounts series with the same loan amounts. my accounts are in good standing and opened, but they are reporting information on closed accounts XXXX $ XXXX XXXX $ XXXX. XXXX $ 1530-closed XXXX $ XXXX. XXXX $ XXXX XXXX $ XXXXclosed XXXX $ XXXX XXXX {$3000.00} closed XXXX $ XXXXclosed XXXX $ XXXXclosed. These are incorrect and should not be on my credit report. my loans are actually opened not closed and they show.
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
SUNTRUST BK XX/XX/year>. 
I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions.

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well XXXX, XXXX, Equifax responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX  XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX XXXX has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, XXXX, Equifax. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX XXXX   and attached is a copy of the delivery notice that the company received the letter.
Product: Checking or savings account

I have had my account with cash app for several years now. In XXXX, I started using it for my home based busines XXXX XXXX  as well as my other business adventures. Upon making several purchases I noticed that I had some extra charges. I tried several times to contact someone by phone to explain my situation but to no avail. I have only been able to get XXXX. No human contact at all. I have lost thousands of dollars using cash app.
Product: Consumer Loan

Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}. 
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter? 
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check. 
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now. 
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair. 
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount? 
Again why is the bank charging me a late fee? 
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX. 
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints. 
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable. 
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account. 
Thank you
Product: Credit card

I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.
Product: Debt collection

I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.
Product: Credit card or prepaid card

I purchased in-ear headphones from XXXX in XXXX of 2021 for {$5.00}. I understood that to be a single purchase with no recurring purchases intended. I apparently did not notice that they would continue billing me for additional services and products. They claim they sent an additional product for which they debited my account {$110.00}. I contacted Comenity and told them I had been defrauded and charged for something I did not receive. Comenity chose to believe the merchant over me and refused to remove the charges. I spoke with Comenity repeatedly disputing the charges. They refused and I closed the account. Although I understood from representatives with Comenity that the case was once again being investigated, they assessed me a late fee in addition to the original bill. Finally, after complete frustration, I contacted Comenity today and asked them to remove the late fee and I would pay the balance on the account. They refused to remove the late fee saying the account was closed. I want others to know how Comenity treats its customers. I have attached supporting documents relative to my plight with Comenity
Product: Student loan

My current loan service provider is named EdFinancials. Due to the new CARES Act information regarding student loan forgiveness, I have requested a full refund from them of my payments that I made from XXXX and they are stating it will now take 7 months for it be processed and back into my bank account. I am not sure why it will take 7 months as many other student loan providers have been able to process students refunds in a matter of a few weeks, but I am concerned with EdFinancials taking this long to process. I understand the amount of requests they are probably having, but I am afraid that my request will be too late to apply for the student loan forgiveness application that will occur in XXXX and due in XXXX.
Product: Debt collection

I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against MANDARICH LAW GROUP with the Federal Trade Commission, the Attorney General of both MANDARICH LAW GROUP /CAH LLC state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} 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} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi there, Can you please help? 
I am formally complaining against Coinbase as they have closed my case while retaining possession of my funds. I ask that they be required to return my funds to me. 
I have attached the page listing my asset - that should be returned to me. 

I have been asking Coinbase for access to my funds in the account since XXXX of XXXX. I have given them plenty of time to give me access to the funds, but they continue to provide no access. 

I also attached the complaint I filed with XXXX, but they said it was out of their jurisdiction, so they referred me to you folks. 

The last email I got from Coinbase was a generic email with the following info : " As outlined in our previous communications, Coinbase no longer supports XXXX XXXX XXXX XXXX  ) as of XX/XX/XXXX. As such, Coinbase has liquidated the XXXX remaining in your Coinbase account. Your XXXX  has been converted to the equivalent market value of another supported digital asset and credited back to your account, minus any transaction costs. Please note, after accounting for transaction costs, and subject to market fluctuations, you may not have received any compensation following the liquidation. '' I have not received any clear communication about what happened to the funds in my specific account, and ask for both the funds to be returned to me and the communication about what happened. 

Thank you for your time and help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted Transunion and XXXX regarding XXXX and XXXX ( XXXX ) fraudulent accounts that were created under my personal information. I filed a FTC report and affidavit stating same. XXXX agreed to delete XXXX ( XXXX ) accounts but stated XXXX ( XXXX ) account was being investigated and it would take 90 days before completed. Why? I do not know as I did not open this account. According to XXXX : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

Thats wrong, as the CFPB and FTCs brief explains. In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it. 

Based on information above, XXXX can not verify this account and therefore credit reporting agencies should delete same until it can be verified. Transunion and XXXX are refusing to remove this account. XXXX said it does not give any further information to credit bureaus only states " it's under investigation ''. 

Please see attached documentation to all reporting agencies attaching FTC report and affidavit dating all of above.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following accounts currently showing and listed on my Innovis Credit Report Case ID : XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX Account : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX, XX/XX/XXXX, XXXX, XXXX, Account : XXXX, XXXX, XXXX, Account : XXXX, XX/XX/XXXX XXXX, XXXX, Account : XXXX, XX/XX/XXXX and all of the requests only you can see is unauthorized. I want Innovis to delete and remove the consumer Statement of an opt out has been placed on this file. I want to opt in to receive pre-approval offers for credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

The company keeps calling me about a debt that is owed. I informed them that I could not afford the debt and I still keep getting at 3 calls a day threatening legal action. They are also contacting my fiance and other relatives
Product: Credit card or prepaid card

Their rewards program has been dormant/broken for 3 months now. Their terms of service states reward points will be issued with purchases. Obviously since it's been 90 days now the company does not plan on honoring their half of the contract. 

Customer service is copy paste malarkey
Product: Credit card

I placed a dispute with XXXX XXXX solutions on XX/XX/year> in regards to the collection account portfolio recovery has on my credit report. I called portfolio recovery and they said that XXXX has the account. When I call XXXX to get status of dispute they still dont have a resolution stating that they have to wait on Portfolio Recovery. the dispute was sent via email to XXXX on XX/XX/year>. I called on XX/XX/year> still in review. I then called on XX/XX/year> and was told the same issue. I have submitted police report and federal courts documents showing that I was incarcerated during the time the card was open and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made on XXXXXXXX XXXX XXXX. I did not apply for any new credit. At XXXX pm. I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. They all asked for SS #. I refused to give that. The last person said she looked for an application by using my name and could not find one. She said she could not help me.
Product: Bank account or service

XXXX XXXX, 2016. I got a letter from Wells Fargo Financial National Bank ( attach letter ) signed by XXXX XXXX. The letter let me know that because I did not accept the offer from Wells Fargo Financial National Bank I was responsible for the full deferred with 27.99 % + 27.99 = 55.98 %. Now I am paying 55.98 % this is incredible.
Product: Payday loan, title loan, or personal loan

Applied for a loan online. Started off at what looked like a normal bank. I cant find which bank that was. Agreed to a {$1000.00} loan. Before I saw what kind of rates I was being issued or when my payment was due. It was sent to mintomoney. ( I didnt sign up thru them. ) They are charging {$130.00} a week for 10 months. So overall Ill be paying over {$5000.00} for {$1000.00} loan. I was never told this. I would have never agreed to this.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

SOURCE RECEIVABLES MNG Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX This is the fifth company that XXXX has contacted to collect debts that are not valid. I have disputed four other collection company attempts successfully because they could not validate the debt because it does not exist because it was paid and it will stop here and now.
Product: Checking or savings account

Citi has one of the worst account opening systems I have ever experienced. THEY DO NOT LET YOU ACCESS YOUR NEW ACCOUNT AFTER OPENING IT. You open the account online, fund it, then click the button to link it to your existing profile with your credit card. It will NOT allow you to do so. There is no way to utilize the account until after you receive the debit card weeks later because you can not access ANY FEATURES OF THE ACCOUNT OR ANY FUNDS YOU HAVE PLACED IN THE ACCOUNT AT ALL, THEY SIMPLY HOLD EVERYTHING FOR WEEKS ON END WITH NO RECOURSE. If you call the call center they will tell you there is nothing they can do, a supervisor ADVISED ME TO CLOSE MY ACCOUNT and told me there was NO WAY TO GET HELP AND THEY HAD NO KNOWLEDGE OF IF THERE WERE BRANCHES, USELESS! Citi is an absolutely disgusting bank that is seemingly opening shell accounts like XXXX XXXX! Watch your identity!