23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/18 I went to a bank of America ATM to withdraw {$50.00}. The ATM did not dispurse the cash, but gave me a receipt. I moved to the next lane to do another withdrawal for {$50.00} and the cash was disbursed and gave a receipt. I contacted my credit union XXXX XXXX and they credited my account back while they investigated. Once the investigation was complete Bank On America came back saying the ATM was not out of balance. So XXXX XXXX  too the provisional credit back and caused my account to go negative. I contacted Bank of America and advised they look at the video the camera records every transaction. They stated they only review video if they have a police report number. I have yet to get anyone from Bank of America to help me. I know the first ATM did not give my cash and I was not the only car. It's {$50.00} but it was my {$50.00} that I work for. I have 2 transaction receipts in which the first did NOT dispense the cash.
Product: Credit reporting

Under the Fair Credit Reporting Act, Experian must remove XXXX late pay status on my credit report as it has exceed 7+ years. Those are XXXX XXXX - 60 Day Late for XXXX XXXX account number ending # XXXX for XXXX XXXX ; XXXX XXXX Dept Store/XXXX XXXX - XXXX late for XXXX XXXX account # XXXX ; XXXX XXXX Bank - 30 Day late for XXXX XXXX account # *******************. My street address is XXXX XXXX XXXX, XXXX Ohio XXXX with SS # *********** and phone XXXX. I have repeatedly send correspondence over the past two year to both creditors and Experian who continues to ignore, send frivolous responses or works in collusion with each other to keep these deliquent status on my credit report -- I want them removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Experian regarding my rights being violated. Experian is completely ignoring the law. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. You are required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation showing that you have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Product: Student loan

I need specific information on how to get my loans discharged due to my XXXX.
Product: Debt collection

IQ Data International has refused to provide any validation of debt. After speaking with XXXX  ( original creditor ) and confirming that I have a {$0.00} balance, IQ Data still will not remove the debt. I have called in multiple times to just get a settlement in order to no longer deal with this company, despite them violating my rights as a service member and citizen. Yet, when I call I get yelled at and hung up on multiple times. XXXX XXXX ( employee at IQ Data ) refuses to even provide me with a number to pay. 

Not only are they trying to collect on a debt that is not owed, they won't adjust the interest they have charged in accordance with the service members relief act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was traveling in XXXX, at the XXXX XXXX, and received texts and calls from Wells Fargo ( XXXX ) from XXXX saying my card had been used at XXXX and XXXX in Florida and that XXXX transfers had been made to XXXX XXXX XXXX. 
No personal information was asked of me. They said the call was being recorded, my card would be reissued, my online banking would be inactivated and that I would need to call to get it re-activated and that a claim would be filed with authorities. 
I was told that the XXXX transfers went through, and I could see I received text messages about that, and they would walk me through requesting the funds back. I was told to add myself as a recipient to the XXXX portion of the Wells Fargo app and request the funds back. 
I did this. Obviously very wrong of me to do it without taking a minute to think or check my account or verify the caller. They didnt ask for anything personal from me so I didnt think anything of it. I had had fraud on my account before and it didnt seem any different, except for the XXXX part but since I was adding myself, I didnt think it was an issue at first. 
Then when I got home and saw that the funds went out of my account, at total of {$4000.00}! I realized I had been duped and actually sent money somehow even though I was the one that was added. I dont understand how the fraudsters work but I realized I had let them in somehow. 
I called Wells Fargo, the number being one digit off from the number that called me, and reported the fraud. They denied my claim since I had been a part to it. 
I am looking for some recourse even though I know I dont have much information to go on. I was sick and deleted some of the texts. The first one was from XXXX and said Wells Fargo Bank : Did You Attempt to Use Your Card for {$860.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Today, Reply YES or NO.
Product: Credit card

In XX/XX/2024 I ordered from a local restaurant known as the Boiling Crab. I attempted to submit a dispute with Citi because the food was inedible and I could not reach the restaurant by phone nor email for a refund. I was unable to dispute the transaction using my Citi mobile app due to it being a " food '' charge according to Citi Bank. It took over an hour and several different transfers and being given the run around to finally speak to a representative. The dispute was opened and then was closed about a month later. Citi closed the dispute and sent me a " letter '' explaining it was because they needed additional info from me, I never got that letter. I reopened the dispute AGAIN and faced the same issues, basically identical. Citi then proceeds to send me another letter stating they need more information from me but I never received said letter to my home. They then closed the dispute AGAIN because of lack of information. I spoke to well over 5 representatives and explained my problem very clearly and demonstrated that I was unable to contact the restaurant and they still refuse to refund me for my purchase. I want the charge to be reserved and to receive a full refund, I was unable to eat the food that was provided and I should not have to write a letter explaining the same exact information that I already shared with them SEVERAL TIMES on MULTIPLE OCCASIONS to receive a refund.
Product: Credit reporting or other personal consumer reports

Equifax automatically added a fraud alert to my account without notifying me. They also told me in order for them to remove my fraud alert as requested i needed to mail in documents that verified my identity. They recieved these documents via signiture over night mail with tracking number : XXXX XXXX XXXX XXXX and my report is still not available to my lender.
Product: Debt collection

I am in Mississippi. I had a Credit card with Capital One and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to XXXX XXXX and a different person from XXXX XXXX calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.
Product: Debt collection

I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.
Product: Debt collection

Jcpenney credit card initially gave me a limit of {$300.00}. I would spend {$100.00} and immediately pay right after. I would never hold a balance on the card it was always paid. Around XX/XX/XXXX time I had noticed they bumped my limit to {$700.00} I had went to the store purchased some makeup for {$100.00} the next week I got letters in the mail stating my limit was decreased to {$100.00} thus making me overdrawn on the card. I called them and they could not explain why they did that. And if I didnt pay the XXXX because of the overage fees that occurred I would have my account closed. In XXXX they told me my balance was XXXX now they are stating its XXXX.
Product: Money transfer, virtual currency, or money service

Eqifax and XXXX XXXX havent sent credit report allowing use and fraud to continue on account and mot disclouse settlment aggrements
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX  so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am writing to dispute inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Closed Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Charge-Off Reporting : The account reflects an ongoing balance of {$1100.00} despite being marked as a charge-off and closed. 
Dispute Status Not Properly Reflected : XXXX and XXXX fail to indicate the account was previously disputed. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which requires creditors to provide accurate and consistent data. I request that the account be reviewed and updated to reflect accurate and consistent information across all credit bureaus. 

Please provide verification of these details or correct the errors within 30 days. Failure to do so may result in legal action under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have asked them not to contact me at work because I can receive personal calls and they are still calling me at work.
Product: Checking or savings account

Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.
Product: Debt collection

I was never contacted about owing anything to XXXX. I call the collection agency phone number : ( XXXX ) XXXX that is listed on the credit report and it said that is no longer in service and to call XXXX XXXX XXXX. The call to that number ( XXXX XXXX XXXX ) automatically drops and it doesn't work. 

I contacted XXXX  ( XXXX  ) and they said that this is from a XXXX account that during that time I had XXXX  out. They had given me monthly discount due to all the issues that I was having and they tried to recharge me for them. Back in XXXX I requested to speak to their supervisor and I asked her to go back and listen to the recorded phone calls. She agree and informed me that she would contact me back with a response. She called me and told me that I was correct and they went back and took the amount that they had charged me off and she told me on the recorded line that my balance was {$0.00} and wouldn't owe anything and I'm good to go. 

I requested the XXXX agent that I spoke with today to go back and listen to those calls and she said that she couldn't as they don't keep information for that long. They had charged me back a year later ( in XXXX ) and never reached out to me for it. I have 4 other services with XXXX and they have never even brought this up with me ( all under the same phone number as before ). This charge is false and I request them to go back to listen to the past phone calls.
Product: Student loan

Sallie Mae sold my loan to Navient is the first problem. The original loan I applied for from Sallie Mae was for {$40000.00} when Navient gave me details of the loan the original amount showed {$43000.00}, and I have been in an interest-only rate reduction plan since I began making payments on the loan through Navient in the year of XXXX. I have paid interest for 12 years and the principal balance has not moved. The balance on the paperwork from Navient was {$82000.00} unpaid principal balance before payments began on XX/XX/XXXX and on XX/XX/XXXX the unpaid principal balance was {$87000.00}. By the way, my payments started at {$640.00} a month and in XXXX they were {$670.00} a month. Fast forward, to XXXX my balance is approximately $ XXXX, and monthly payments are {$680.00} for now. Navient sent me an email on XX/XX/XXXX stating that my payment on XX/XX/XXXX, would be {$1700.00}. 

My question to the Republicans, the Democrats, the XXXX, and the XXXX is how am I ever supposed to pay off a debt that is continuously changing like this, and none of the payments are going toward the principal balance? Remember that I am placed on an interest rate-only reduction program/plan with the interest continuously added to the principal balance. 

In the meantime, the Republicans and the Democrats are in XXXX discussing everything but the ROBBERY of hardworking clients by Navient, and the XXXX is funding a WAR in my opinion with the interest-only funds that I am paying Navient. 

XXXX!!!! XXXX!!!!
Product: Student loan

In 2007, I made a decision to return to college to complete a degree I started 10 years prior. I was ineligible for student aid because although I was n't working, I am married. I had maxed out the amount of money I could take with XXXX XXXX so I borrowed from NJ class. When I graduated, I was sent a bill almost right away. I called to tell them that I was n't working and asked if I could defer/forbear the loan for a few months. I was told there were no options. With XXXX children to care for my husband and I had nothing to send while I was n't working. I called them back to make arrangements when I was finally able to obtain a job but it was too late and I was sued by their debt collection lawyers. I am now paying almost triple the amount per month than the original payment with the threat that if I do n't pay my wages will be garnished. I have talked several people out of taking loans with NJ class because their practices ; I was n't given any grace after graduation or any other options for repayment. I was n't trying to get out of my obligation, I just needed time to find a job or something that would have help during an economic hardship. NJ class feels they can get away with it because they do n't have to follow the same structure as the federal student loans but they ca n't be discharged on a bankruptcy because they are a student loan company so no matter how it impacts my family there is nothing I can do. I am forced to come up with a high payment that goes up {$50.00} every six months until it 's paid. Shame on NJ Class for giving people the false impression they are there to assist in the goals and dreams of students that just want to get an education but fall short on money.
Product: Consumer Loan

I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to close account and pay bill but I can without logging into app and I Tried to solve this problem but they are only letting me pay with the app knowing I am not able to login to it Ive tried to give another form of payment but they wont let me and the keep reporting it on my credit but arent allowing me and option to give payment.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/year>, I have been trying to get XXXX Transunion and XXXX to Delete the misspelling of my name and the Multiple Address on my Credit report. I have asked for proof of such a document with my sole name, and they still need to provide the original promissory note with my wet signature and an audit trail of all documents regarding any account. This company has yet to give me proper information. They have only responded by sending an itemized statement that does not have my XXXX XXXX. These debt collectors engaged in deceptive and unfair practices of the FDCPA, which it prohibits. Two parties signed a legal contract, and I did not participate in any of them. More so, they should have bothered to Verify the proper 5-step validation procedure, which makes this an unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation, and clearly, they violated my rights.
Product: Credit card

I was a victim of identity theft back in XX/XX/year> a credit card was opened using my information. My wallet was lost or stolen my wallet had all my identifying information including my SS # it was in my wallet because a few days prior I had to prove my citizen ship. I provided Macy 's with affidavit of signature along with XXXX checks the thief had written on XXXX different opened checking accounts. So Macy 's could clearly identify the account opened was not my signature. I also provided my police report along with FTC fraud report along with detective XXXX XXXX information XXXX working my case. I also in my appeal questioned why I would comment fraud against myself risking the filing of a false police police and FTC report and risk jail time possibly prison time since the total amount of fraud was up ward in the XXXX range. I received the appeal decision stating I received benefits form the disputed charges. the investigation does not substantiate claim ( did they even consider the pile of information given? ) investigation complete. May we remind you if we do not receive the minimum due by the due date on your statement we will report late payments to the credit beau 's I guessing along with mega interest and late fees. I find it so absurd with all information given they are still after appeal are still finding me responsible.
Product: Credit reporting or other personal consumer reports

IN XXXX XXXX SYNCB/LOWES DID HARD INQUIRE ON MY CREDIT REPORT, THAT I DID NOT AUTHORIZE. I REQUESTED IT BE REMOVED AND WAS TOLD THAT THEY COULD NOT REMOVE IT. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation.
Product: Payday loan, title loan, personal loan, or advance loan

It was a {$25.00} loan it happened around the pandemic. I'm in the process of getting it paid but they need to stop recharging it to my credit. It shows up as a new loan when it's not and they try to use a little different of a name each time but will still have possible Finance somewhere in the wording it is causing my credit on here to not go up when I have a over XXXX credit score on other 2 credit platforms
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes for corrections on my credit report. Last dispute was on XX/XX/year>. Name should read as XXXX XXXX. Name currently reads XXXX XXXX.
Product: Credit card

Based on case XXXX : I requested a detailed history of the dispute investigation that citi conducted over a 90 day period that would justify their rejection of the charges as fraudulent. They have not responded
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX