23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXXs, XXXX XXXX and transunion are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX.I would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS
Product: Money transfer, virtual currency, or money service

I sold my XXXX this morning XX/XX/year> I immediately was blocked. The app said I cant make any purchases or transfers also cant send money do anything at all except receive money. I then follow the steps to see what the resolution was. It wanted me to upload my bank account statement because it was saying there was unusual activity with my bank account associated with PayPal, but I never use that bank account with my PayPal I always use my debit card so I dont know what unusual activity there would be since there is no activity at all with that bank account. That is the first lie they are saying. I uploaded my bank statement for them it still says under review right now, but I called about five minutes ago and the representative told me that she confirmed the bank statement was approved and then stumbled over her words couldnt explain to me why my account was not unblocked then said somebody else has to review it on the backend to be approved, but she just told me it was approved so they are liars and are lying to me giving me false information. I feel like Im being fraud and they are just keeping my money for no reason. The lady told me on a recorded line the document had been approved and then said it needed another approval that makes no sense and its illegal.
Product: Credit card or prepaid card

Issue with COVID-19 Payment Relief I have spoken to Customer Service several time, my calls received by agents in XXXX and also I receive agent 's calls from XXXX. Simply, these agents do not not how to handle COVID-19 payment relief requests. 

I requested for COVID-19 payment relief and thought it all went OK but I noticed a late payment on my credit report. I contacted back and I was told that it has happened because I did not pay the late fee. The agent from XXXX said he will need a payment before setting up COVID-19 payment relief. But, he was not the only agent said it to me, there were several other agent from XXXX said the same to me. One of the agents said that he will credit my account with {$15.00} if I pay my bill to him. 

after i filed the complaint against the bank i told them that i filed the next day the reduced my credit limit by {$70.00} which caused my credit score to drop by 69 points, i called them and asked why are they keep asking to make a payment when i requested covid help, they kept ignoring my question and kept asking when am i going to pay. my concerning is that if the consumer asked for covid payment relief several time why are they asking me to make a payment. that is a violation because the government has motor for all lenders to provide relief not to report to bureau for late payments.
Product: Credit card

In XXXX 2016 called First Hawaiian Bank 's Consumer Service to let them know about a fraudulent charge on my credit card. The representative said she would reverse the charge and told me the balance I owed which I paid. This same fraudulent charge appeared back on my next statement so I wrote a letter regarding such to XXXX XXXX the Ops Mgr. He says that I should have placed my complaint in writing and that the time to do so had Expired. To me this is disingenuous and hypocritical. My response is that their Customer Service representative led me to believe that the problem had been resolved. Thank you
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts from the same company on my credit report I tried to dispute it 10 times I've explained that it is not mine I have insurance. Free government insurance I would of used it. Have had same insurance for 20 years. it's from it was originally from hospital collector. It got sold to another company and I keep disputing it and they keep coming back saying it's okay which it's not because it's not mine I've put fraud I've contacted them it's been taken off my XXXX but they won't take it off my XXXX I tried to contact them multiple times so now my last resort is you it is not mine I even put in the report should I get a police report nothing ever was brought back to me I'm not taking this four accounts for a hospital visits when they're not mine this has been affecting my credit record I want this fixed please I didn't know who else to turn to thank goodness I seen that I could contact you guys to get it taken care of their name is ARS account resolution their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX and then their phone number is XXXX
Product: Money transfer, virtual currency, or money service

I have a coinbase account and then added their XXXX account for trading my currencies. It has been about a month and I have been locked out of my account with no way to access my funds. Every day that goes by puts me at risk of losing tens of thousands of dollars. I have contacted XXXX/XXXX and they have been no help thus far. I have quite a bit of money invested and would like to access it. 

My case ID with them is : XXXX This is ridiculous!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to XXXX  parties. Also, there are false indications on my credit report from all XXXX, I have attahced XXXX under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.
Product: Debt collection

On XX/XX/2021 ELAN FINANCIAL SERVICE and agent for ELAN FINANCIAL SERVICE XXXX XXXX stated they received my written correspondence. I sent ELAN FINANCIAL SERVICE the following documents : an Affidavit of Truth, Cease and Desist, Invoice, and Exhibits showing the violations. I was notified via certified mail return receipt that Elan Financial Services had received the documents detailing the dispute. ELAN FINANCIAL SERVICE acknowledges they received my cease and desist and responded by closing my account. ELAN FINANCIAL SERVICE also stated they would continue to report information to the consumer reporting agencies which is a violation of the cease and desist pursuant to 15 U.S. Code 1692c ( c ) by indirectly communicating with me through the reporting of disputed information to the consumer reporting agencies. The erroneous information that is being reported has been defamating my reputation and character because ELAN FINANCIAL SERVICE has been reporting the account as " late payment ''. I have been unable to obtain credit. ELAN FINANCIAL SERVICE did not provide validation pursuant to 15 U.S. Code 1692g. I do not agree with ELAN FINANCIAL SERVICE decision to continue reporting the account to my consumer reports.
Product: Debt collection

I am reaching out to dispute the validity of the debt reported by your agency and to request immediate validation of the debt, along with the correction of any inaccuracies in credit reports sent to the credit bureaus. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : XXXX Having recently reviewed my credit report, I came across an account allegedly under your collection. After meticulous examination, I have grounds to believe that inaccuracies exist in the debt reporting. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to debt validation. kindly request your agency provide me with the following details : - Verification of the claimed debt amount, with a detailed breakdown of interest, fees, and charges. 
- Copies of documents proving my liability for this debt, such as the signed agreement or contract with the original creditor. 
- Confirmation of your agency 's legal authority to collect this debt on behalf of the original creditor. 
I also request a halt to all collection activities, inclusive of any reporting to credit bureaus, until the requested debt validation is furnished. 
Please acknowledge that the erroneous reporting of this debt is adversely impacting my creditworthiness and causing significant harm. In line with the FCRA, I dispute the accuracy of this debt and urge you to rectify any misleading information reported to the credit bureaus. 
I anticipate your agency to thoroughly investigate the disputed debt and furnish the requested validation within 30 days of receiving this letter. Failure to validate the debt or correct the inaccurate reporting within the specified timeline will prompt me to exercise my rights under the FDCPA and FCRA, pursuing all legal remedies available to safeguard my interests. 
Kindly communicate with me via written correspondence and send all related documents by certified mail with return receipt requested to maintain a documented record of our interactions. 
Your immediate attention to this matter is appreciated. I await a prompt resolution and the restoration of accurate credit reporting. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My daughter sent {$300.00} to my account which I needed immediately. They put alert on my account and blocked me from my money. I confirmed the email address with the code they sent. However they have an old cell number I can not verify because number changed. They are misleading consumers and trying to steal my money. Then they conveniently do not have customer service workers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plant late for and purpose
Product: Checking or savings account

On XX/XX/XXXX, I initiated a transaction dispute with my bank over an unrecognized and unauthorized card transaction. 

I was adamant to confirm with the agent that my card could not be deactivated as a result of this. This is something I knew was possible as they had processed this request in the past. 

The agent confirmed my card would remain active. 

On XX/XX/XXXX, I attempted to use my card and it was found inactive. The bank is refusing to remedy the situation and is causing undue financial stress and hardship as a result.
Product: Credit card

In mid XXXX my credit card number was stolen. This is a credit card I have through Citi Bank. 
Within 1 week of noticing the fraudulent charges, I contacted them to report the charges.

They cancelled my credit card and send me a new one that I received approx. 1 week later.

During the initial phone call, they told me that I would not be liable for any of the fraudulent charges as I am protected from them as part of being a member with this bank/credit card. 

On XX/XX/23 my payment date was approaching ( due on XX/XX/23 ) and the fraudulent charges were still pending on my account ( they stated it can take up to 60 days for them to drop ), so I contacted Citi Bank via chat support to confirm whether or not I would be charged interest for the transactions that were fraudulent if I only paid for the transactions that were legitimate. They stated there would be no interest charges on the fraudulent charges at all. I have a recorded video of the chat with Citi Bank to prove this, however it is larger than 10MB so I had to link to it here : XXXX XXXX XXXXXXXX ( This is a video recording .mp4 file ) Jumping Forward to XX/XX/23, another fraudulent charge showed up on my *new* credit card number. I contacted CitiBank and they stated that the first representative that cancelled my card *forgot* to " Suppress the recurring charge and cancel it so that it would not move to the next card ''. 
So at that point, we had to start the process over again, and they had to cancel the card all over again, and I am now waiting for that *second* new card to arrive as of XX/XX/XXXX. 

Finally, today XX/XX/XXXX, I logged into my statement to find that they have charged me interest in the amount of {$63.00} on all of the fraudulent charges they stated they would not charge, so I called again. 

In the most recent call they now changed their story saying they now instead DO charge interest, but it " Drops off after the fraudulent charges disappear ''. 
There is no way to hold them accountable for their change in story and each representative gives a different story when you call. 
The video I linked to shows proof of them stating one thing, and acting in another way. 

Thanks for any assistance. 
XXXX XXXX
Product: Student loan

Aidvantage is not taking my payment for student loan. I tried paying off my entire student loans two times and both times I have received a payment confirmation ( same day ) and a balance of {$0.00} ( about 2-3 days later ), and remains that was for the next 3 days. Yet they made no attempt to take money out of my bank account and the website payment history states a " Payment Reversal '' a week after I made my payment. Then, their website states the payment reversal was done the same day. Spoke to customer service and it was stated that the reason for reversal was unknown. Company refuses to allow payment and my account continues to accrue interest.
Product: Debt collection

One Main financial calls, my employer and myself a minimum of 3 times a day. They call off multiples numbers. The main number they call me off of is XXXX. My employer and myself have request they quit calling my employer due to possible job loss for a personal loans calling multiple times a day. 
between my person and work phone calls equal to : XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 5 to personal 1 to work phone XX/XX/2019 - 3 to personal 2 to work phone
Product: Debt collection

Basically did not inform me I could dispute any of these debts.
Product: Checking or savings account

My debit card was hacked 6 times in 2 years. I filed a complaint ( # XXXX ) about my bank for numerous charges, but one in particular that I never got back was for {$20.00}. The bank claims " On XX/XX/2018, the claim was reconsidered and a Miscellaneous Credit in the amount of {$20.00} posted to the account. '' But the day they added the credit, they also reversed it. I'm attaching a screenshot from my computer. It shows every transaction in the amount of {$20.00} ever added to my account. 
" Temporary Credit Reversal on XX/XX/18 Card # XXXX Claim # XXXX '' So the same day they gave me my money back, they also took it away. They owe me {$20.00}.
Product: Credit card

Hello I have not received a reply from my multiple requests for information and dispute appeals. In addition my most recent claim # XXXX disputing charges that XXXX agreed to refund has been denied after I provided written documentation that XXXX agreed to the refund and Wells Fargo failed to process the refund and apply the credit to my account. 

Please explain the reason my credit card associated with the multiple disputes has been closed or suspended without communicating with me and I have an XXXX XXXX XXXX as of XX/XX/2024? This appears to be retaliation since I have not received a response to my multiple requests to reopen the disputed claims and provide the merchant documentation used to support your decisions. The request and option to file an appeal is an available option to me as a consumer utilizing a Wells Fargo credit product for purchases. 

Please reopen the dispute under a formal appeal and reference all previous provided information including the proof of the hate crime committed by the XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX 

In addition please email all documents reviewed and provide by XXXX in regards to the the dispute. 

( XXXX ) Dispute Claim # XXXX {$110.00} ( XXXX ) Dispute Claim # XXXX {$7000.00} ( XXXX ) Dispute Claim # XXXX {$3900.00} ( XXXX ) Dispute Claim # XXXX {$9000.00} ( XXXX ) Dispute Claim # XXXX {$6400.00} ( XXXX ) Dispute Claim # XXXX {$50.00} ( XXXX ) Dispute Claim # XXXX {$950.00} ( XXXX ) Dispute Claim # XXXX {$3800.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} & {$16000.00} ( XXXX ) Dispute Claim # XXXX {$460.00} ( XXXX ) Dispute Claim # XXXX {$130.00} ( XXXX ) Dispute Claim # XXXX {$31.00} ( XXXX ) Unable to Address with Dispute {$75.00} XX/XX/2024 ( XXXX ) Unable to Address with Dispute {$25.00} XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my XXXX XXXX showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Product: Debt collection

Alliance One sent a communication ( 15 USC 1692 a 2 ) to this consumer, XXXX XXXX XXXX, dated XXXX XXXX 2017. The communication clearly reads that this is from a debt collector ( 15 USC 1692a 6 ). XXXX XXXX is a consumer as defined in 15 USC 1692a 3. The communication indicates an account below the consumer 's name. Within consumer law an account, as defined in 15 USC 1693a 2, is an asset account involving personal, family, and household ( which means consumer account ). A financial institution is defined in 15 USC 1693a 9 as any person that directly or indirectly holds an account belonging to a consumer. Several violations have occurred as described in the FDCPA : 15 USC 1692 b 2 - shall not state such consumer owe 's a debt ; 15 USC 1692 c - contact without prior consent ; 15 USC 1692 e 10 - false representation or deceptive means ; Due to these fraudulent means to collect an alleged debt, this consumer is claiming actual damages in the amount of {$100000.00} USD pursuant to 15 USC 1692k a 1.Research indicates that this entity- Alliance One - shows an annual revenue of {$20.00} to {$50.00} million dollars. XXXX, consumer, creditor, expects payment in 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is being submitted personally, not through a third party, and I request your immediate attention. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting stems
from a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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