23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Initially had the loan with BB & T know Truist. 

I went into the bank ( Truist in XXXX, KY ) on XX/XX/XXXX to request a 10 day pay off. Was told I could not get this information until 48 hours. 3 days later, the representative never called me back so I returned to the bank and spoke with XXXX XXXX, XXXX XXXX. Received my pay off and wrote a check to pay off loan on XX/XX/XXXX. I was told it would take about 7-10 days for check to clear and close out my account. On XX/XX/XXXX, I called Truist to make sure that my last XXXX automatic payments ( established through a Truist rep in XXXX when I made a payment, instructed could set up 2 month auto deduction for XXXX and XXXX ) would not be taken out since loan was paid off. Told by representative that my check had cleared at midnight, my account was at {$0.00} so no payment would be taken. On XX/XX/XXXX, a payment of XXXX was withdrawn from my bank account to pay Truist for the closed loan. I had to called and go into the bank numerous times to speak to XXXX XXXX. I was told that they were going to return the money back into my account in a few days. After waiting over a week and not getting the money returned, I called and spoke to XXXX XXXX again. I was then told they were sending me a check. Initially, they said it was a problem with a " bill pay '' I had set up at my bank and i informed them that i have never set up a bill pay through my bank. It was created through their bank. I asked if we were going to have this problem in XXXX. Was told " no '' ... that there was a lag between the time I paid off my account and automatic withdrawn occurred but assured we would not have this problem again. On XX/XX/XXXX, I received notification from my bank that another {$520.00} was withdrawn to pay Truist. On XXXX, I called and left a message for XXXX XXXX and this situation. I then went into the bank and spoke with XXXX XXXX. She told me that she would be my point of contact regarding this matter since it is difficult to get a hold of XXXX XXXX. She called Truist andtold me that the wait time would be long so she would call me back regarding this issue plus I never received my title. She called back and told me that they did not see where money was withdrawn from my account and that they sent a lease of XXXX to NC state. She told me she would look into this further and call me back the next day. On XX/XX/XXXX, I called XXXX and explained she never called me back plus told her I got a letter from Truist that the money was taken from my account. After hanging up n I emailed her the letter immediately she then requested I send her proof from my bank that the money was taken which I did. I emailed her on XX/XX/XXXX requesting an update without response. I called and left a message and emailed XXXX on XX/XX/XXXX where I received a message that she could not get answers and she was sending it back to XXXX XXXX. I called and left a message with XXXX XXXX on XX/XX/XXXX. I received a call back telling me to follow up tomorrow which I did and had to leave another message.
Product: Credit card or prepaid card

I went on a trip to XXXX XXXX last year on XX/XX/2022. I used my XXXX XXXX  card to pay for the in-flight wifi for myself and my wife. However, I was charged 6 times for the same on board wifi.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX since XX/XX/2019, but the 3 credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account Number : XXXX
Product: Student loan

This is in regard to my application for loan forgiveness under PSLF. In XX/XX/XXXX, I sent my complete application with information regarding four previous employers. At that time I noted and provided information that one of my former employers, a XXXX year-old nonprofit in good standing, had dissolved. 

My application is noted as being received XX/XX/XXXX. I waited for months for information with the guidance that I wouldn't hear for XXXX business days. It was significantly longer than that, but in XX/XX/XXXX, I received a letter that my loans would be transferring to Mohela and that happened in XX/XX/XXXX. At that time, I noticed that only three of the four employers in my application were showing up. I called as the one now defunct employer was not in the documentation. I was told to wait as it was still being processed. However, in XX/XX/XXXX, when my PSLF payments were updated again, I realized that no one was looking into the application for the defunct employer as it had just been dropped from my application altogether -- no one ever reached out for further verification or to let me know there was a problem -- it just disappeared as if I never had submitted it. 

I had to call Mohela several times to get any concrete info/advice, but finally a representative told me to resubmit the application for this former employer along with any supporting documentation and my old W-2 forms. I did so and then saw a week later that my application was immediately denied. When I called up, the representative looked into it and said that it had been denied because whomever was processing it hadn't actually looked through all of my attachments properly. I then had to resubmit the exact same documentation on XX/XX/XXXX. 

Since that time I've called several times for them to tell me that there are delays and I have to wait as it takes a long time to verify that my employer was a registered 501c3 ( although I've sumbitted IRS documentation and 990s which clearly demonstrate this ). While it hasn't been 90 business days since XX/XX/XXXX, it has been almost a year since I originally submitted my information for this employer. Mohela blames the lack of resolution on FSA, which in turns says it's Mohela 's issue, and there is no way to get any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Product: Credit card or prepaid card

My moneygram account was used for a money transfer under my name with a credit card that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my XXXX  education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Checking or savings account

An unauthorized bank checking account with Chime.com ( i.e. The Bankcorp Bank ) was opened under my name. I have never done business with, initiated contact, or seeked to open a new account with Chime. I received the checking account card and account information via USPS mail at my home address on XX/XX/2023. I called Chime on XX/XX/2023, reported the account as fraud, and subsequently closed the account.
Product: Debt collection

I was contacted by Diversified Consultants, Inc. ( DCI ) on multiple occasions, several times a day in XXXX of XXXX for a phone or internet service item that is in question. On XXXX XXXX, XXXX, prior to sending the debt validation letter to DCI, I contacted the company ( XXXX XXXX XXXX ) that DCI  claimed they were collecting the alleged debt for and after several transfers within the company, I was told by customer service representative at XXXX XXXX XXXX, XXXX, that they had no information on any debt or monies owed to XXXX XXXX XXXX in my name. That same day, on XXXX XXXX, XXXX, I sent a formal request for a detailed list of the charges for the alleged debt via XXXX ( Tracking # XXXX ) which was received by Diversified Consultants on XXXX XXXX, XXXX at XXXX XXXX., DCI did not respond to my lawful request within thirty ( 30 ) days as required by law, however they still chose, one month later, to report the alleged debt to all three major credit reporting agencies, XXXX XXXX and XXXX. 

Please see to it that remove the collections from all three credit agencies for failure to validate a debt that the alleged company they claim they are collecting for has no knowledge of.
Product: Credit card or prepaid card

Good afternoon, On  XXXX   XXXX   2016 I m ade a purchase on  XXXX .     I  XXXX   XXXX  a received a package from the merchant  XXXX . The package contained the wrong merchandise. I returned said incorrect merchandise back to the merchant. They received the merchandise verified by ups tracking # and signature proof of delivery.     The merchant claimed that they sent me the correct watch and that the watch I sent them is not what they sent me. They refused to issue me a refund, and also said they were keeping the watch.     I have been in contact with the merchant and credit card company since  XXXX  of    2016.      I contacted my credit card company  American Express who closed the investigation a couple days ago in favor of the merchant. I supplied pictures, tracking # s, and proof that I tried to resolve the issue with the merchant. The merchant will not issue me a refund, and American Express will not resolve the issue either. Please help. Tha nks
Product: Credit reporting or other personal consumer reports

What happened was that there were inaccurate accounts on my credit report. I don't have any knowledge regarding these inaccurate accounts and I want it removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b 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

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I sent my money through XXXX to pay for my rent and it was sent to wrong person. The wrong person doesnt respond. I need to get my money to be refunded.
Product: Credit card or prepaid card

l was traveling abroad and went to a restaurant/bar. The bill was high, but since this was in XXXX I approved a transaction for {$520.00} on XX/XX/2018. This charge never posted in my account. However, 8 charges totaling {$3600.00} posted on my account under a different name in XXXX XXXX XXXX, but with a merchant called XXXX. 

Citi fraud department gave me credit for the fraud transactions ( XXXX 's statement ), but they reversed the credits a month later arguing I had provided my card details to the merchant. ( Because I mentioned the transaction that didn't post ). They also said that even though the charges were for a place called XXXX ( which I never visited ), this business belonged to the same company that I went to, which name was XXXX and that's why they reinstated the charges. They also said I didn't reply to the investigator when he attempted to contact me. I didn't reply to a phone call that I found out was from the investigator, because it was not a call from a bank number. I searched this investigator 's number on the internet, and the description showed as a spam number and not an official Citi line. I did reply in writing and by email responding to the questions they asked. 

Since Citi fraud reversed the charges, the investigator referred me to the Billing disputes department, and told me they had to handle the case because they do not consider it fraud. Billing disputes was able to get a hold of copies of receipts of the transactions in question and asked me to provide a response about these receipts. I responded stating that the signatures in those receipts were not my signature. Not only they were not mine, but they were all different. Billing disputes said that since the signatures were not mine, this was fraud, and the fraud department had to credit me for the unauthorized charges. The correspondence from Billing disputes to Fraud department states I declared my card lost or stolen, which I never did. I said there were unauthorized charges. 

I have been back and forth with this two departments without a resolution. It says I am not liable for payments for unauthorized charges on my account, but Citicards is keeping me in a never ending loop that is not getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00}  regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX  monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00}  my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. 
I freeze my Credit and I change my Accounts numbers
Product: Debt collection

Debt has already been taken care of in case ; Needs to be immediately removed from credit report. Company should've never purchased this debt. When there is no debt to collect.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these fraud items in 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
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX I reported my Barclays XXXX XXXX card lost. XX/XX/XXXX I did not receive my USPS mail that included the new XXXX XXXXXXXX card. XX/XX/XXXX the new card was used multiple times. At XXXX I received a call alerting me to possible fraud. At that time I discovered an E-receipt from a purchase at XXXX had been sent to my email. At XXXX I called Barclays and reported the fraud. XX/XX/XXXX they sent me a letter that because the physical card had been used for that purchase, it was used by me. I was at home on a school night preparing my XXXX XXXX XXXX XXXX  old girls for bed. XXXX adult roommates can confirm my presence at home and my report of the problem to them at that time.
Product: Mortgage

Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.
Product: Mortgage

In XXXX we had a fire that burnt our house to the ground. When we received the insurance money, we just wanted to pay off the loan and go on with our lives. XXXX XXXX XXXX XXXX told us no that we could not do that. So, after fighting with them and hiring a lawyer, we sent them the check and started building our new house, which we finished in XXXX. When all said and done there was around {$4000.00} left that they are still holding on to this day. We are in the process of saleing our farm, which is where the house is, and purchasing another farm. I asked for payoff letters and when I go them there were all kinds of fee that were attached. We have paid {$50000.00} on the loan and but most of that went to all the fees. Then when we got the latest payoff notice there was another loan attached to it. This loan was supposable taken out in XXXX to keep XXXX XXXX XXXX from foreclosing on us. This loan is from HUD and was to be paid at the end of the loan. I have requested payoff for it through HUD but have not heard how much that is going to be once they add their fees. We feel that if XXXX XXXX XXXX XXXX would have taken the insurance check in XXXX we would not have had all the fees and interest that we are now paying. 
Also apparently, they and their parent company Lakeview Loan Services has had numerous security breaches that we had no idea they had. We were never contact that we might be one of the people information the hackers had gotten. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and XXXX XXXX XXXX and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have XXXX written or expressed consent to have pulled my credit report. I have already filed and FTC XXXX XXXX  report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX