23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in the XXXX and was required to get a government travel card for travel only which was opened XX/XX/2019. The card is to be used during temporary assignments only. XX/XX/2019, Ive traveled to XXXX in which the military will deduct any payments from your pay to pay off the card. The card is only reported to the account when there is an unpaid balance. The XXXX reassured me that the card was paid off to zero balance and to ignore any letters I may received which I did. The bank citi which is the bank for the travel card waited til last month to post the account to my credit with months of pass due without posting when the debit was created. I was told plenty of times the XXXX have paid it but did not so I paid it and should be reimbursed by XXXX but due to coronavirus no one is working on base to give me a follow up on this matter. I requested that the account be removed since it was resolved and it was not my fault why the account not being paid on time by the military. I been out of the XXXX since XX/XX/2019 and I feel they forgot about the debt and allowed me to be responsible so they would not have to
Product: Credit card or prepaid card

XXXX and XXXX was fraudulently charged by merchant " B-Fresh '' Charges that I did not make and refuse to pay for fraud activity on my behalf Addressed with creditor Capital One XX/XX/XXXX and temporary credit was provided and new credit card was sent because of fraud XX/XX/XXXX credited charges were reverted and posted back to my account. The same charges that I did not make. The same fraud charges that Capital One refuses to address and credit back to the consumer. 

I will be cancelling my credit card with them ASAP
Product: Credit reporting or other personal consumer reports

I have never heard of this company. I have never spoken with them or did business with them im asking for a immediate removal from my credit file as this is causing a major hardship within my credit. If this is not removed I will file legal action.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer for over a year now,. Their platform sucks. I had an issue with my Coinbase One account and the customer service lady advised me that it was an issue that couldn't be fixed and the best thing to do would be to delete the account and create a brand new one. The issue : it takes MONTHS to get the limits back that I had previously before ( {$7500.00} debit card/week ), new account was {$25.00} right off the bat. Coinbase allows you to buy Crypto using XXXX as an instant payment method literally stating your funds are available for withdrawal directly after a successful purchase through XXXX. THEY DON'T tell you that when you create a new account there is a 21 DAY WAITING PERIOD after your first crypto purchase where you can't touch your funds cause they're on hold. I was under the impression I could transfer the XXXX I purchased out of Coinbase immediately. Where the XXXX do they tell people about this hold???? I wouldn't have purchased such a large amount of crypto right off the bat if I knew this hold was going to occur. They claim there's no solution. This is ridiculous. Terrible customer service : literally just repeating herself over and over. I asked to delete my account and withdraw my funds immediately but they're saying it's not possible for them to do so until the hold is up in 21 days. Ok, that's just not true. I need that money for rent. They XXXX your first deposit of funds right into the platform so they can use it to profit off lending to others. They don't tell you this. So unbelievably frustrated. Coinbase actually sucks and their customer service is literally just people reading a script. I want my account closed and my funds withdrawn immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

I was leaving the country on an extended trip and set up my Wells Fargo account for automatic bi-weekly payments. I recently returned to find that they have been charging me a monthly late fee charge of {$21.00} for a current total of {$230.00} in late fees. I called to resolve the matter and was told that I had scheduled the second payment after the XXXX and that is why I was being charged a late fee. I pointed out that the automated payment was set up through their website, how could they allow that without warning? 

I was told by the phone rep name XXXX that she was only authorized to refund one charge of {$21.00} and I had to pay the rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX CT NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

XX/XX/2022 : XXXX XXXX called and cancelled her checking account with Citizens Bank. The bank account was not closed and further charges were deducted from the account. 

XX/XX/2022 : XXXX XXXX called the collections department and spoke with XXXX who removed the charges and cancelled the account. XXXX explained to XXXX that XXXX would be receiving a letter in the mail confirming the checking account closure. That letter never came. 

XX/XX/2022 : XXXX XXXX received a hard copy letter from Citizen 's Bank claiming this account was not close. 

XX/XX/2022 : XXXX XXXX received a hard copy letter from Citizen 's Bank claiming the account was overdrawn and would be closed and charged off ( please see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal CBR. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





XXXX XXXX XXXX XXXX XXXX pa, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged COVID-19 sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Product: Mortgage

In the Fall of XXXX, I tried to apply for a HARP refinance loan only to find that XXXX XXXX, who serviced the loan, had " bank errors '' which forbid me to do so. Hence, it was recommended that I apply for a " Loan Modification '' instead. The problem was ( as countless other consumers have experienced leading to even foreclosure ) this process was flawed with delays, incompetence, and never ending re-applications. ( In fact the Attorney General for the XXXXtate of Minnesota intervened at one point to shut down an illegal  foreclosure date! ). 

Though it took a long time, it appeared that XXXX XXXX had " finally '' reached an approval of {$1100.00} per month modification ( my current 5.25 % loan at {$1700.00} payment ), but inexplicably before signing off the 3 month trial period, transferred the loan to Rushmore Loan Mgmt Services of XXXX, CA. in XXXX, XXXX. 

That is when the insanity became even worse! 

After several applications, the underwriter presented questions never asked in my 35 years of finances which even my legal counsel could not rectify ( counsel had worked countless times with Rushmore who has had nothing but documented nightmarish experiences for consumers nationwide ). Even though I have presented financial numbers that more than qualify me for not only a Loan Modification, but even a Refinanced Loan, they refuse to " approve '' or even consider any option but either : ( 1 ) Foreclosure or ( 2 ) Repayment of back payments which would be insurmountable at approx. {$100000.00}. I have endured countless monetary losses from legal fees, not to mention did not receive a lower a 2.75 % APR as well as my credit report was ruined! My health has also taken a toll from the endless stress and hours over the years battling for what " never should have been ''. 

Now I am faced with a Lawsuit '' and even possible " Foreclosure '' when I have the Employment ... Qualifying financials ... to make payments and qualify for a modification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Loan # XXXX XXXX Rushmore Loan Mgmt.  Services XXXX
Product: Credit reporting

An address which I have never lived at has appeared on my credit report and apparently some collection documents have been sent there. The person who lives at the address which has been incorrectly added to my file has informed me that they are still receiving my correspondence at their address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX finance are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXXXXXX XXXX. 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and on XX/XX/2022 I sent certified mail to Portfolio Recovery Associates , LLC requesting that they Cease and Desist any further communication about the alleged debt and also that the Statute of Limitations in South Carolina for this debt has expired. I asked that they delete this account from the credit reporting agencies and they did not comply. I informed them of the Law 15 USC 1692 ( c ) ( 1 ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Portfolio Recovery Associates , LLC is showing total disregard for the Law.
Product: Debt collection

I have paid this debt in full XXXX-18, It is money not owed.
Product: Credit card or prepaid card

Disputed Transaction Details Transaction date : XX/XX/2020 Merchant name : XXXX ( XXXX ) Disputed amount : {$1300.00} Amount resolved in merchant 's favor : {$1300.00} Merchant shipped an empty box, the item was a lighter for it only weighs an ounce or two. But the box was empty without the item. The merchant also canceled a separate order on XXXX which I paid for and then provided them with this tracking number which shows delivered but again paid for but never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello and good day. 
u open a account with Experian in open a free account in XXXX. - XXXX of XXXX. 
they have the wrong information on me. my name is XXXX XXXX XXXX. they show XXXX XXXX XXXX XXXX. which is wrong. I called and called and none thing is fixed. they say wait 6 months. for what. they do not know what they are doing, they made this change. I did not. 
they made the change in XXXX. when I was talking to the dispute department they said my name shows as XXXX XXXX XXXX. but when i log in it shows XXXX XXXX XXXX XXXX. showing i have no credit. I wishes I never signed up for an account with them. I am not sure what anyone can do. a company runed very badly.
Product: Debt collection

Phoenix Financial Services has failed to provide legally required validation of an alleged debt within 30 days. The request of validation was received by Phoenix Financial Services on XX/XX/XXXX. This request was sent to them as a written request through USPS with delivery tracking and confirmation. Phoenix Financial Services has failed to respond in any way. In addition, they are incorrectly reporting dates on this alleged debt. They state this account opened in XX/XX/XXXX and are reporting this to the credit bureaus XXXX and XXXX. No such accounts could have come from me anytime in the last 5 or 6 years. I was denied credit due to this erroneous reporting due to this recent delinquent account. If this alleged debt is legitimate, they are required to report the original date of delinquency.
Product: Credit reporting or other personal consumer reports

Nothing happened. I was wonder why I was getting a bill Year later found it in my credit report. Called to get removed they said I made a payment Noow after XXXX  years they still bill me. 
Ive never own XXXX, They are allowing someone to use my account. Because theres a large balance. I dont fly or go anywhere but theres fly miles. I certainly would Not have signed up for an account that charges for non use fees I found. I want this removed. Ive called my bank and they can not find proof of payment. 
I want this removed from my list.
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : 1. The amount of the debt. 
2. The name of the original creditor. 
3. A detailed explanation of the debt, including any interest, fees, or other charges. 
Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease. 
Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received over mail a pamphlet, with my name to my home address, inviting me to earn {$500.00} when opening a checking and savings account with TD Bank. 

Given that I didn't receive the bonus in the stipulated time, I first reached out to customer service online, who indicated to go to a branch. I went to a branch last week and was told that they were going to look into my account and reach out to me. I didn't receive any news, and thus I went to the branch again today. The salesperson indicated that he would look into my case again, but that likely the reason that I might not get the bonus is that I had received that bonus in the past. 

The pamphlet states that one of the conditions to earn that amount is : " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months ''. 

I indeed had a checking account for which I received a bonus and closed the account on XX/XX/XXXX. I opened a new account after receiving this pamphlet in XX/XX/XXXX. 

I would understand that I wouldn't be eligible for another bonus if the pamphlet stated that someone receiving a bonus in the past would not be eligible for a new one, but it doesn't say that. It only states that I don't have to have a personal checking relationship within the preceding 12 months, which is true. 

I have complied with all the other conditions stated in the pamphlet.