23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received an email from the US Department of Education indicating that my student loans are eligible for forgiveness and that the Department of Ed would be reaching out to Mohela to process this within the coming months. On XX/XX/XXXX at XXXX XXXX, I reached out to Mohela to advise of this and to request that my payments be suspended until the forgiveness is processed. I was told I would be placed on an administrative forbearance until XXXX to allow time for forgiveness to be processed. Further, I was assured that NO payments of any amount would be due during this forbearance. Despite this, on XX/XX/XXXX I received an email from Mohela advising that my account is past due. I have attempted to call back to Mohela to speak with a manager but " due to high call volume '' none are availabile. When I told the agent I was willing to wait for a manager to be available, I was placed on a perpetual hold. After holding for an hour and a half, I was forced to disconnect the call as I needed to get back to work.
Product: Credit card

On XX/XX/XXXX I made a purchase of {$3600.00} to XXXX XXXX for XXXX XXXX XXXX XXXX equipment that were described by the merchant as " Used & Working ''. On XX/XX/XXXX I received the pallets with the merchandise and inspected them to find that the condition was not used & working. The merchandise was missing crucial components required to properly function and what I received was salvage grade ( junk ) merchandise. In the subsequent days I called the merchant to try to find some recourse but received no response. In response on XX/XX/XXXX I called Discover to file a dispute as the merchandise I received was significantly not as described. Initially Discover issued a credit back to my account and I thought the matter was settled. However, as of XX/XX/XXXX, Discover reversed this credit and I have been scammed out of my money and have been left with a bunch of junk. 

Because Discover was unhelpful, I filed a complaint with the CFPB shortly after which you can find filed as complaint XXXX. Initially this complaint filing was met with cooperation from Discover, they reversed the charge again, however as of the beginning of XX/XX/XXXX the amount was reposted to my account and I expected to receive a letter as I was told that I would have the ability to provide supporting documents including my attempts to call XXXX XXXX ( the merchant ) following the delivery of the not as described goods, but no such letter was sent to me. 

To add to the matter, Discover has now decided to close my account completely. I have paid every month on time and in full prior to this negative experience with the XXXX XXXX order. This is the first time that I've disputed any charge with Discover and they have been wholly unhelpful despite touting their " {$0.00} Fraud Liability Guarantee means that you're never responsible for unauthorized purchases on your Discover Card account. '' So my entire line of credit with Discover has been shut down because I asked for their help in handling a fraudulent transaction where I have been sent goods that have been wholly misrepresented, a situation which certainly warrants fraud protection from the credit company with which the goods were purchased. This action is in direct violation of the federal Equal Credit Opportunity Act, which " prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Product: Debt collection

XX/XX/XXXX I received a called saying they were going to served me, sees my accounts and sent me to court because I owed them money. At 1st I asked where he was calling, the acct # of my supposedly debt, the court case # etc.he didn't want to give me any info. 
Well we struggle for 30 kin until he finally told me the info. His name is XXXX XXXX, the number he used to called me is XXXX. He said his office is a para Legal name XXXX XXXX. He said in XXXX i closed an acct with XXXX  Bank and I never paid XXXX + another XXXX or more for court and attorneys fees. A lie since i never closed any account that I don't put in XXXX and to closed it you go to the bank. Anyway that account never existed. I don't have an account in that bank and that bank is closed long ago. He said the acct # XXXX # XXXX the case # XXXX. He threaten me to take me to court, froze my assets, called my HR department, froze all my bank accts until i pay. I told him i was going to called the police, which I did. I explain the situation, they told me its a scam and to anyway report it here and call my bank which is, by the way, Wells Fargo. They told me that acct number doesn't exist and no to worry. But I am worry. I work from bed, for myself. And I am surviving. I don't need this harassment. I have a XXXX XXXX. Can someone please tell me what else to do? Thanks
Product: Debt collection

I advised XXXX that I had been over billed and to stop calling me all day from different numbers. I disputed the original bill and heard nothing from them yet since that time I keep getting call from them daily and weekends..
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX a fraudulent account was open at Conns XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to Conns Fraud department. I was contacted by Conns Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XX/XX/XXXX I once notified Conns XXXX  and again requested this delinquent account be removed. 

I also wrote a letter to XXXX XXXX supplying both an affidavit, email correspondence from Conns XXXX to substantiate my claim. 

XXXX has not investigated my dispute. Conn XXXX has not notified XXXX  of the fraud. XXXX  sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD 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 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
Product: Checking or savings account

Opened a new US Bank checking account with promotions. Account was opened. Initial deposit was taken from my ally bank account on XXXX XX/XX/2023. Got an email that account is all opened ... but no communication or information provided to me like Account number or routing # or anything. 

Today called US Bank, lady asked all the information and then transferred me to XXXX. XXXX was able to help me but told that promo code is not applied I have promotions tied to this account.
Product: Debt collection

In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Student loan

Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.
Product: Credit card or prepaid card

I MADE PAYMENT FOR {$1500.00} WHICH HAS BEEN VERIFIED BY XXXXXXXX XXXX XXXX REFERENCE # XXXX AS HAVING BEEN PROCESSED AS AN ELECTRONIC PAYMENT FROM MY XXXX XXXX BANK CHECKING ACCOUNT NUMBER ENDING IN XXXX. SOMEONE AT THE SAVINGS BANK SIDE OR AT THE XXXX  CREDIT CARD SIDE OF XXXX XXXX DECIDED TO ALTER THE PROCESS OF PAYMENT TO MAKE IT APPEAR AS IF I MADE A BALANCE TRANSFER INSTEAD OF THE ELECTRONIC PAYMENT I MADE FROM MY CHECKING ACCOUNT SO THAT A BALANCE TRANSFER FEE COULD BE LEVIED ON MY XXXX CARD IN ORDER TO STEAL {$59.00} FROM ME. AND THE REASON THIS WAS DONE IS THIS : WHEN I APPLIED FOR THE XXXX XXXX XXXX CARD, IT CAME WITH AN INTRODUCTORY 0 % INTEREST RATE FOR PURCHASES MADE AND BALANCES CARRIED DURING THE PROMOTIONAL PERIOD, AND AS LONG AS ANY BALANCE ON THE CARD WAS PAID BEFORE THE EXPIRATION DATE FOR THE PROMOTIONAL PERIOD, THERE WOULD BE NO INTEREST OR FEES FOR THOSE PURCHASES. SO I SET OUT TO PURCHASE HIGH DOLLAR ITEMS KNOWING THAT I COULD AVERAGE OUT MY MONTHLY PAYMENTS TO REPAY THE BALANCE TO XXXX BY THE END OF THE PROMOTIONAL PERIOD. I HAVE ALREADY FIGURED WHAT I NEED TO PAY MONTHLY TO ATTAIN THE NEEDED XXXX BALANCE, AND SO WHEN SOMEONE AT XXXX XXXX TOOK NOTE OF THIS AND REALIZED THAT THERE WOULD BE NO MONEY GAINED BY XXXX XXXX FOR THIS PROMOTION, THE ( NOT SO ) BRIGHT IDEA OF HOW TO CURE THIS WOULD BE TO MAKE THE ELECTRONIC FUNDS PAYMENT FROM MY CHECKING ACCOUNT APPEAR AS A BALANCE TRANSFER TO MY XXXX XXXX XXXX CARD SO A TRANSFER FEE COULD BE LEVIED. THIS CONSTITUTES FRAUD AND XXXX XXXX NEEDS PROSECUTED FOR THIS INTENTIONAL FRAUD PERPETRATION.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seXXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) 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 : XXXX XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An XXXX  loan was reported to my credit. I did not openi this account I have XXXX collections auctions XXXX XXXX for {$800.00} XXXX XXXX XXXX  for {$1200.00} XXXX XXXX XXXX  for {$620.00} These are not my accounts. Must be Theft
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to Experian and asked them to verify and send the agents information as well the information in regards to the process of accessing whether or not the information they were furnishing was true! 
of late payments that I want proof to show exist, multiple names, multiple addresses that are not mine! were true as well to prove I gave consent to furnish that information as well to remove the information because the furnishing of trans actions is a strict violation of FCRA and metro 2 reporting rules
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS reported that the account was closed. I was told to pay a settlement amount and the account would be deleted. I have submitted several disputes and nothing is taking place. The XXXX debt should be listed as deleted instead of closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX  Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Debt collection

I feel that they gave me a bad experience and probably lied to me by ... 

Saying that paid in full would do me more good than settle than less than full balance would be more beneficial on my credit report and would increase my points higher, I could say that Im most likely sure that that was a lie. 

Assumed that I did not have money and made me feel bad about it by saying that I should not schedule a payment if I'm not going to afford it, Also at the beginning of the call he said that next time that I call he would not give me the same offer because it was just for today XX/XX/2021 and then he tried telling me that it was better to wait to think about it and then call back whenever I had money next week ( in other words trying to make me lose the settlement and trying to charge me more next time that I call ) but I let him know that I noticed that and then after him promising settlement offer until the XXXX he decided to change it to the XXXX of the month leaving me with less time to come up with the funds for the settlement. 

He also tried to force me in to a payment arrangement of the original balance even though I told him plenty of times that I was not able to come up with that much money because of my situation that I also let him know and the previous collector that, Also I fell that he lied about not being able to see the previous collector notes because later on the call he stared to say that he was reading lasts offers on the notes. 

I also tried to be reasonable and think that there was just confusions between me and the collector but as the call continued I knew that it was not a confusion and the collector most likely had no good intentions at helping me like he said.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXX/XX/XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

As of XX/XX/XXXX, I have been actively attempting to access the funds in a XXXX account established for me by my late grandmother. On XX/XX/XXXX, I communicated that I would be filing a formal complaint within 30 days if my account was not properly settled, as I have experienced issues with mismanagement and received inconsistent information for the past XXXX months. Throughout this period, I have diligently emailed and called to submit all requested documentation. 

In response to my concerns, the organization sent a priority next-day air package and arranged for an expert to assist me with completing the required documents, which I subsequently returned in the provided envelope. However, on XX/XX/XXXX, I received a letter indicating that my account could not be approved due to insufficient information.
Product: Debt collection

XXXX XXXX had closed an account for me on XX/XX/XXXX, however I don't recall ever having this debt. I supposedly owe {$65.00} but in the past I've been making payments, which has puzzled me. I was never contacted by email, mail, phone call, and to be honest I don't even remember using or making payments for this. I didn't have my first part time job until XX/XX/XXXX so I don't know how I was able to even open an account. I would like for this to be wiped from my credit history.
Product: Credit card or prepaid card

Dear CFPB, After numerous attempts to contact AMEX about a fraudulent credit card taken out in my name in early XXXX XXXX, I have had no success at all even after the police report was finished in receiving any help in disputing the charges. Furthermore, the company sent me to debt collections even after the detective on my case provided AMEX with undeniable proof the credit card was taken out fraudulently contained within the completed police report. I have been lied to on the phone about being sent contact information of someone I can send a police report to myself and I keep receiving notices that I took out the card and therefore I am liable. I had no idea a credit card was taken out in my name, I was not even living in the state the card was taken out in. I am really disappointed with AMEX for providing ZERO security in regards to who can take out a credit card. The card was maxed out by the person who did take it out within a matter of weeks at almost {$12000.00}. I have never even been approved for this high of a credit limit before and it shocked me that someone could do this without my knowledge, and AMEX has not only been unhelpful, they have been rude and even mocking. 

The perpetrator also opened a second credit card in my name, an XXXX XXXX through XXXX XXXX, for {$8000.00}, also maxed out within a few weeks, and though I haven't heard anything further from XXXX, they have not let me know they have dropped the charges either after I reported the fraud. All employees at XXXX were professional and kind though, even though I haven't heard back about a resolution. 

Thank you for your time. Someone recommended I take this next step. I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XX/XX/XXXX completed their investigation into my dispute of the following accounts File XXXX XX/XX/XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX ) ; I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXXin regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I set up an international transfer to my account in the XXXX. The amount in USD was XXXX. According to Chase the amount to be transferred was XXXX GBP. They have held up this transfer for XXXX hours for review and now, according to XXXX currency exchange XX/XX/2022 this amount should be XXXX GBP. 

Although I realize that Chase is a business, they need to be a lot more transparent with their transfer fees, exchange rates and hidden costs. 

They are also holding up my transfer for 'review. ' Again, with absolutely no explanation as to why and I will not receive the adjusted amount for today 's exchange rate.
Product: Student loan

I am a graduate student who took out a small student loan in XXXX through Navient and have been trying to pay it back early to save on interest. The original loan was for {$6500.00} in XX/XX/XXXX and to date i have payed ~ {$4000.00} back. I recently check my balance as i was planning on just paying the dividend and being done with it but when I checked my balance it said that i needed to pay it said I still owed {$5100.00}. I graduated XXXX inXX/XX/XXXX and started my phd work inXX/XX/XXXX. I believed my loan should have been in deferment with the exception for that one year period but of the {$4000.00} I have payed only a bit over {$1000.00} has actually went to the principal and the rest has repeatably gone to the " interest '' that Navient said would be expected if I payed it at their time schedule. Now if i want to pay the loan off today they are asking for a total of XXXX {$9000.00} for a {$6500.00} loan with only one year of interest. That doesn't make since. The federal student loan interest rate is 6.8 % and I am willing to pay that for the year that it was garnering interest but this price is drastically off.