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

My name is XXXX XXXX. I have an online savings account with Marcus by Goldman Sachs. About a year ago I suffered a XXXX. My daughter, XXXX XXXX, has p.o.a. over my affairs. We have submitted to them, 2 notarized copies of ours as well as 2 of theirs that they sent us. We never received any response from them. This process started in XX/XX/year>. In XXXX I felt I had recovered enough to try a more direct approach by calling them. Both my daughter and I spoke with XXXX. After successfully answering their security questions I requested that my account be closed and the funds be transfered to to my local bank account. They have that account on file and it is the account that funds were transfered from originally. We we told the transfer would be done in within 1 business day. It didn't happen. However we were able to access his account finally and get a current balance. After that we were able to access his account online and on XXXX XXXX we tried to do a transfer on line. After several tries it said we need to call. This time I spoke to XXXX (? ). I had difficulty hearing and understanding him but was able to give the last 4 of SSN, birth date plus former and current addresses. After about a hour on the phone my daughter intervened and asked to speak with a supervisor. This time we were given to XXXX, where we once again explained the situation and asked what it would take to get access to my funds. She said the needed to do an identity verification and gave us a case number and somebody would be calling. Nobody has called. I understand in this day and age the importance of security but we have met all that criteria. My XXXX  is suffering because of this situation and I'm concerned that I will not be able to enjoy my life savings! All I'm asking is for the money to be transfered back to my bank account that it came from originally. I appreciate any help you can give.
Product: Credit card or prepaid card

I purchased a appliance from Home Depot and they talked me into getting a Home Depot credit card for a reduction of the original price. I agreed and when the bill came due for the remainder I paid it off in full. They kept sending me statements and charging late fees. I faxed a copy of the bank statement showing where and when the full payment was deducted from my banking account. Now they have placed this debt on my credit rating. I havent charged anything else on this card.
Product: Mortgage

A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty
Product: Student loan

I XXXX XX/XX/XXXX with my XXXX XXXX XXXX XXXX XXXX I XXXX XXXX in XX/XX/XXXX. My loans went into deferment. I began to receive a letter on XX/XX/XXXX from Nelnet that my deferment was ending in XX/XX/XXXX, and I was scheduled to make a payment on my loan on XX/XX/XXXX. When I completed my XXXX XXXX XXXX I was told that I had an allowed grace period of 6 months and my student loans would begin in XX/XX/XXXX. I called Nelnet, and they said I have exceeded the amount of allowed grace periods. I requested that they show me this in writing or in my Master 's Promissory Note that I have a limit on how many grace periods I receive after XXXX They could not provide me with any written documentation, I even spoke with the management team whom could not provide this documentation. I spoke to XXXX representatives between XX/XX/XXXX and XX/XX/XXXX and explained to them that I am set to XXXX on XX/XX/XXXX and I am entitled to a six-month grace period per my loan paperwork and speaking with a representative from fasfa student.gov. They all refused to grant me my 6 month grace period due to the reason of exceeding the number of times a grace period could be used. They could not show me this in my loan ( Master Promissory Note ) paperwork or legislation that displayed a certain number of times grace periods could be used. There is no legal document that states that I do not qualify for a grace period or that I have a certain amount that I may use. Then today XX/XX/XXXX when I called Nelnet a representative informed that I selected the extended grad program and they change it and which I did not request this due suppose to be in a grace period until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

To my surprise I found out that I stilled owed as much as I did when i bought the car. My insurance company is paying XXXX to Santander and they say I still owe them XXXX. First of all they gave me the loan frauduently as well as reported to the credit bureau 5 late payments in a row which is not true. I called and made arrangments on onXXXX late payment and they agreed and I followed through. That inaccuracy cost me a XXXX job. 
i called and explained it to them only to be told I would have to fix their mistake too all three Credit bureaus which takes atleast 30 days, I paid XXXX for for 3 years and still owe as much as when ipurchased the car, Also the co signor on my car XXXX XXXX over a year ago and i contacted them and they did nothing to remove her which causes me problems every time I get car tgs because has to be cleatanve on past due taxes and its hard for her to pay taxed when she is dead and yet they put me through it. 
At the time of loan i was told that I would have gap and warranty coverage which i paid for but they said it was added. 

I feel like they are getting XXXX from insurance and my 3 years of payng XXXX a month that should cover XXXX dollor loan. instead they are asking me to pat an additional XXXX after the insurance pays them. I was a candidate for the lawsuit nut i choose to pay my payments and carry on. I was lied too assaulted by false cedit information and fraud loan. I cant talk with anyone at Santander because the customer service people whom i cant understand will not give a phone number for help, Please see if there is any possible thing i can do to avoid giving them another dime. 

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

I recently discovered that I am victim of identity theft and have file theft report in reference to the incident. I am not familiar with credit and how it works. I receive help from the credit reporting agencies in regards to having items removed due to fraud. I was told to file a FTC   report to have the following items blocked/ deleted. However, the items are still listed on my file. I am reaching out to the CFPB to assist me with my issue.
Product: Credit card or prepaid card

No deposits have been made since XX/XX/2020. I cant log in, says my log in information is not correct. I know its not. My daughter had and still has the exact same problem and her card has never been loaded and she has been waiting seven months. Iowa workforce development has passed the buck to you. In essence I can not access my account in anyway or change passwords or do anything I am completely locked out and my card has not been loaded for nearly a month.
Product: Student loan

Over the course of the last year, the servicer MOHELA has grossly mishandled my loans. The main aspect of this complaint is that I should be on the zero-interest administrative forbearance with many other servicers. However, due to the bureaucracy issues that emerged when MOHELA transitioned to become a servicer under the federal department of student aid, I am not able to be in XXXX-interest administrative forbearance. 

On XXXX, XX/XX/year>, I made a call to the MOHELA asking about why I was not on zero-interest administrative forbearance. The call that was recorded, captured the representative agreeing that that only reason I am having interest accumulate against me is due to a bureaucracy issue. Over the course of the year I have applied for the XXXX, XXXX and XXXX programs. I was initially accepted but then due to the changes I had to reapply. Like many others, I reapplied and am in the processing phase. However despite my initial acceptance into the XXXX and XXXX program, am accruing interest despite my diligence in applying for the programs. Additionally, there have been previous conversations with representatives, letters sent to my email and my home address that further confuse the matter. There is no other reason for this interest accumulation aside from the lack of foresight from MOHELA leadership.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I had listed an item for sale on XXXX XXXX. I was messaged from an " interested '' party, so we went ahead with the sale. I was told she sent the {$65.00} I was asking for to my Chime acct. Said person messaged stating to make this money transfer go thru, she needed to send {$400.00} if I would send it back immediately it would activate the sale. I've done similar things to activate sales from certain places, so I went ahead with it. I also received an email that looked extremely legit, about the transaction. I was then told I needed to send another {$800.00} over to a man named XXXX XXXX, for " tax and vat. '' After sending the money, I received another email stating I needed to send another {$1000.00}, to lift the hold on my acct. The verbiage used in these later emails was off and I realized I had just been scammed. I have screenshots of the emails from fake Chime to attach to this complaint. Chime told me twice they aren't going to help me recover my money
Product: Checking or savings account

I went to withdraw {$1500.00} dollars on XX/XX/year> but it said my card was restricted so I was not dispensed anything, yet it was still withdrawn from my account. I called to have it unrestricted and went later that day to take out another {$1500.00} dollars since I wasnt able to receive the last one. This transaction was successful. Whenever I contacted Bank of America they informed me that the cash was dispensed probably. I have no idea how that is even possible while a restriction is on a card.
Product: Prepaid card

Regarding American Express PASS card. I had set up and funded XXXX of these cards for my XXXX children about 5-6 years ago through my regular American Express account. I discontinued funding and use of the cards about a year later. The cards have been destroyed and I thought that the PASS accounts were closed. 

I recently received and email warning me that the PASS card accounts would soon start incurring a monthly fee and if I wanted to cancel the PASS account to call a toll free number. XXXX. 

I called that number and was promptly disconnected after a recorded message that they were too busy to take the call. 

I called the regular American Express customer service number. They could not help with the PASS card cancelation but they attempted to use an internal direct line to connect me to the PASS card dept. I was left on hold for 60 minutes before I ended the call. 

I attempted to access the PASS account through my XXXX XXXX on line account access, but was given a message that my PASS card access was unavailable and that I should call XXXX. 

XXXX additional calls to American Express customer service failed to gain access to cancel the PASS cards, despite XXXX minute waits each time. 

I have attempted to locate any other method of contacting the American Express PASS card service, but have been unable to discover anything more than the same toll free number. 

I asked American Express customer service to pass me up to a supervisory/senior level customer service representative, but was refused. 

I am stuck in an endless loop and unable to contact PASS to ensure that cards are cancelled, any remaining balances refunded, and avoid pending fees. Subsequent calls to the posted toll free number for PASS customer service result in the same recorded message and an immediate disconnect.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and they clearly violated my rights.
Product: Debt collection

Im believe that this collection is regarding a hospital visit during XXXX of XXXX At the time, I was living and working for a company where they provided employee housing. I was under the impression that this visit would be covered through an assistance program for low-income individuals. Quite some time has passed, and not once has anybody notified me in an attempt to settle something I believed I did not have to pay in the first place. I have not lived at the address at which I did during this hospital visit, and I also do not have the same phone number anymore. I would have given my best effort to take care of my responsibility of this account, but again, I was never made aware of such obligations.
Product: Bank account or service

I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS RIDICULOUS!! 
I have tried to be patient with the Bureaus regarding my credit report. As a consumer I have the right to a credit report that 100 % accurate. I have sent several letters to the Bureaus and they have not only ignored my request but continue to allow inaccurate and duplicate accounts on my credit report. Today I will be showing how I have multiple duplicate account on my credit report that is damaging my score unfairly! Despite me disputing these account The bureaus allow the furnishers to report inaccurate information and duplicate information. 
For instance XXXX XXXX is account number XXXX and is currently being disputed. Instead of it being verified or removed from my Report each Bureau is allowing it to be reported AGAIN under XXXX  XXXX same account number with a OBSARD amount that is over a XXXX increase and when I asked them to verify this information the response is always " they have verified the information ', if this information is being verified I shouldn't have the duplicate accounts with completely different amounts! 
This same account is added to my XXXX and XXXX account again with a slightly different account number but the same amount being reported and the original account being the XXXX XXXX, XXXX, XXXX added it again as XXXX this is the same account on my credit report 3xs with XXXX and XXXX and twice with Equifax. 
EQUIFAX tried to hide their error by changing the account number but keeping the amount this is showed by comparing the accounts to the original on my credit report XXXX but still referencing the XXXX account number I'm attaching my most recent credit report as proof of this error. THERE IS NO EXCUSE OF THE BUREAUS NEGLIENCE CONCERING THIS ACCOUNT! I have sent letters that have been ignored. Followed up with more letter that were again IGNORED. I have submitted complaints in here that were derailed!!!! 
Again as a consumer I have the RIGHT to a credit report that is 100 % accurate! According the the FCRA the Bureaus have a duty to verify all information before it is added to a consumers credit report. This is one instance that outwardly shows that the Bureaus aren't doing their jobs. In former complaints I have made in the CFPB the bureaus have all stated that they have began a investigation. There will be NO MORE PROCRASTINATION regarding inaccurate and duplicate information on my credit report. The only response that I want to see from the Bureaus is that these duplicate and inaccurate accounts were DELETED from my report. Any other response I will be filing another complaint with the XXXX, the FTC and taking whatever measure that I legally have in my rights! It has been over now 120 days and I will NOT SIT BACK and be BULLIED AND MISREPENSTED BY FALSE INFORMATION! I am a CONSUMER and the FCRA has guideline that BUREAUS AND FURNISHERS MUST FOLLOW!! The CFPB HAS A ROLE TO PROTECT ME AS A CONSUMER! 
I have submitted my Credit report as PROOF of this MISREPRESNETATION! THIS MATTER MUST BE CORRECTED!
Product: Debt collection

Conn Home Appliances repeatedly keep putting this debt on my Credit Report, and it was discharged through XXXX XXXX XXXX The credit Bureaus have information regarding this and will take it off and put it back on because Conn Home Appliances keep reporting this! The debt is over 7 years old and yet Conns goes from one credit Bureau to the next and keep putting it on my credit report. I have disputed this at least XXXX XXXX. My XXXX have been discharged and they were paid in XXXX XXXX
Product: Bank account or service

I filled a dispute about charges not authorized by me. They sent me a letter stating after the investigation they determined the charges were valid. 
How?
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. I refuse to pay this debt and I'm demanding that you ( Absolute Resolutions Investments LLC ) CEASE & DESIST all communication. collection activities and the reporting of this information on my credit report. Your claim is being disputed and the requested information is required and requested : A REQUEST FOR ALL ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. Original contract that includes my wet ink signature showing I'm under contract with you ( Absolute Resolutions Investments LLC ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintain timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. According to US 15 Cod1681e - Compliance procedures ( b ) Accuracy of report. Its is imperative that this information be reported with utmost accuracy. I have always made my payment on time and if I would of went this long as my report states I would of lost everything by now. I never missed a payment on any of the following account : 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 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I purchased {$500.00} ( + {$9.00} fee ) of XXXX  using my debit card. I then tried to transfer it to someone, and I got an error and it was denied. I then sold it so I could transfer it a different way and Venmo is now holding my funds until XX/XX/XXXX. This is hostage of my funds, and they should not be holding it. Ive used crypto for years and have never once had a company do this. This is completely dishonest in no way shape or form should they be able to hold my funds. They refused to refund my original purchase to my debit card or to do anything to resolve this.