23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was called by a company calling them XXXX XXXX XXXX ( XXXX ) XXXX- they told me I could enroll in Student Loan Forgiveness. They told me that In XX/XX/2018, when I made my first payment of {$49.00}, that they would pay off all of my loans that were with XXXX . I asked this specifically. Will my loans come out of XXXX. they said yes. Then they sent me a contract through Equitable Acceptance Corporation, saying I owed them {$1300.00} for the paperwork that they did on my loans. I just got a message from XXXX, saying they put me in a program, because I am back in school. I called Equitable Acceptance ( XXXX ) XXXX and they said that they were a loan company that I signed a contract to borrow the money to pay XXXX XXXX. I called XXXX XXXX, and told them what am I paying for, they did nothing to my account except put me in the exact same program that I was already in to begin with, the servicing that I have been doing for my self the whole time. They said well you signed a contract, you still owe the money with Equitable Acceptance. XXXX XXXX is out of it because they sold the loan to Equitable Acceptance. I am so unset right now. I don't want this to happen to any other students. I want my money back.
Product: Money transfer, virtual currency, or money service

My phone was stolen on XX/XX/XXXX so I had them disable my account on Coinbase to prevent any transactions. The email said to respond once you've recovered your device so they can reactivate my account. I've messaged them every single day since and haven't gotten a single response and I also have filed a complaint to them. I then reached out to their social media pages and their XXXX customer support team finally responded. The person was no help and completely ignoring what I was trying to tell them and after maybe a 10 minute conversation, they said " I'll forward your information to someone else '' without even knowing any of my information at the time. I asked to speak to the persons XXXX multiple times because they were just giving up trying to help and said " I need to help other people ''. After this conversation my account was still disabled, but I also had a coinbase wallet that was working perfectly fine and all the money was still on there because it uses a private key and I didn't have to worry about whoever stole my phone being able to take that money. This interaction happened on XX/XX/XXXX and when I went to check my wallet today XXXX XX/XX/XXXX ), all of my money on that account had been sent somewhere else. I checked the time it was sent and it was shortly after I had the conversation with their XXXX Customer Support. I went back to the XXXX messages once I found out and sent them a message and never got a response back. I then tried to send another message this afternoon and it turns out they blocked me. So now I have a disabled Coinbase Account that I can't get in, the money on my Coinbase Wallet account has been sent somewhere else, can't get in contact with anyone through any outlet, and have now been blocked by the XXXX page. This company is robbing me and I can't do anything about it.
Product: Credit reporting or other personal consumer reports

My Information has been compromised and as a result someone open some fraudulent accounts without my knowledge. I never given anyone consent or permission to open anything under my name and social. The following accounts are 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
Product: Credit card

I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable
Product: Debt collection

I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me 10 times a day, as a XXXX with XXXX XXXX issues this has trigger my XXXX. Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
Product: Credit reporting or other personal consumer reports

Item # XXXX : I dispute Texas XXXX XXXX XXXX XXXX {$0.00}, account XXXX. The company did an illegal Repo as explained in letter also sent. Complaints was filed with the FTC, State of Texas and the NCUA.

The account was never past due and should not have been repod. The customer even sent bank information that his account and bank account had been hacked during that time. The bank blocked me from making any payments online XXXX month prior to SO CALLED REPO. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. This account has been removed by XXXX and I attached proof.. Per Section 611 of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX  days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Item # XXXX : I dispute XXXX XXXX XXXX XXXX Acct : XXXX. This account was paid off in XXXX of 2022, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing XXXX months as charge off. XXXX XXXX reversed a payment over $ XXXX then post account in negative, which is against the fair reporting act.. Per Section 611 of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX  days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider XXXX  days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I sent a Debt Validation letter to Rent Recover Solutions via Certified Mail on XX/XX/2021 and they received it on XX/XX/2021. I have not received any correspondence regarding my request to validate this debt.
Product: Debt collection

Hello, While performing a follow-up personal credit check I discovered inconsistencies with two collection accounts that appear on my credit report. The accounts both appear on all three bureau reports, however they have inconsistent naming, address and status information. Here is a summary of what is reporting : Credit Management is reporting two different names, two different addresses and different status : 1. The XXXX report indicates the name Credit Management , LP, while both XXXX and XXXX list it as Credit Management XXXX XXXX. 
2. The XXXX report indicates the address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX while both the XXXX and XXXX reports indicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
3. XXXX reports the account as open while both XXXX and XXXX indicate the account as closed. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me with a copy of the certified receipt with my acceptance signature displayed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

ive been trying to contact coinbase support to reset my XXXX on my account and most of the time the prompt is provided via their bot service. in the event ive actually spoke to a person, they tell me to follow the link they send to my email and ill be able to reset my XXXX yet every single time when i click it, it wont let me go further until i enter the text sent to the phone i no longer have access too. i need this info for my XXXX taxes.
Product: Credit card

On XX/XX/XXXX my credit card was used to fraudulently purchase theatre tickets at XXXX XXXX for XXXX XXXX in the amount of {$980.00}. Unfortunately, I was never made aware of this transaction, even with mobile alerts enabled on the account. To my surprise, reviewing my XXXX transactions with my tax representative. The transaction was flagged and I immediately called Capital One. Just after getting off the phone, they immediately closed the case citing a valid charge, based on the reporting timeline. 

I found the merchants information online for the XXXX XXXX for XXXX XXXX. They confirmed the transaction was fraud. They also stated the customer information for the credit card didn't match my customer profile. They used an alternate name, email, and phone to make this transaction. Information that should've flagged an alert with Capital One. Instead, Capital One approved the transaction with ZERO notification outside of a paperless statement that is only saved within the app and wasn't properly brought to my attention. Furthermore, Capital One is charging nearly 28 % interest on this transaction on my account. So not only has my private information being compromised, Capital One is capitalizing on behalf this fraudulent charge. 

I have been a customer for several years. I expected Capital One to promptly inform me of this transaction. Capital One violated my privacy and breached the contract security terms for this card and processing. An extension to this reporting timeline for this future dated purchase should be implemented for their failure acting on my behalf for a service that was able to successfully authorize this payment with incorrect contact information. 

I do intend to file a police report as well for supporting evidence. But expect Capital One to do the right thing by their customer considering this unique circumstance. I trust Capital One will uphold the integrity of this account and relationship with their customer and take responsibility for not properly flagging this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

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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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that 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, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I requested a payoff quote through the website on XXXX. It said I would receive it via email in XXXX hours. I did not get it so I requested again XXXX. Nothing. I tried calling the XXXX number they have listed and it was answered by an automated system trying to sell me a home monitor. No way to reach Specialized Loan Servicing. I then found another number and requested the payoff quote. Nothing. At this point I made a payment through my bank to them that would have paid off the balance. It was received on XXXX and then rejected on XX/XX/XXXX. Rejected in that it was not applied to my account nor did anyone contact me, but out was not returned. After a lot of searching I found another number and actually talked to a person on XX/XX/XXXX. He said my payment was rejected because I could not pay off the loan that way, the payment had to go to another address by way of cashiers check or wire transfer. He told me my money would be returned and that it was in the last stage. When I never received the money back into my bank account I called again on XX/XX/XXXX. This person seemed very unsure of herself and first told me Iwould receive a check in the mail. When i questioned that she told me no it will be returned the same way it was received. I asked when and she said by XX/XX/XXXX. At that point I asked to speak to a supervisor and she said no one was available. I asked for a call back but as of today that has not happened. I want my money returned so I can pay off the mortgage according to their procedures even though they actually have the payoff.
Product: Student loan

Sallie Mae/ XXXX has contacted family members in my family that live other parts of the country. They then tried to use fear as a way to get me to pay for a fraudulent degree from the XXXX XXXX. The XXXX XXXX degree is worthless. This has affected my family to the point that my kids future is now taken away. I am separating from my family and loosing my kids. QUESTION : Who on earth feels this is UNCONSCIONABLE? 
Since the XXXX XXXX was just sued by the Federal government for XXXX lawsuits that affected they are hovering at XXXX cents a share. Their degree is considered nothing in the workplace. I am sure the CFPB is aware of this ... but what is the federal government really going to do about it? 
XXXX last interesting fact ... I worked for XXXX XXXX as adjunct. They just announced their closure. I am without a job. NO ONE will hire me! Now they are threatening legal issues when I am being separated from my family, losing my job and having no hopes of work or home. Great job Sallie Mae! Offer me XXXX of your really great deals where I get crooked again ... How about that IBR that you never mentioned was available to me!
Product: Credit card

I am filing a complaint regarding the mishandling of my application for an Alphaeon Credit card, which I initially applied for in late XX/XX/year>, in preparation for an upcoming XXXX scheduled for XX/XX/year>. I unfroze my accounts with the major credit bureaus prior to applying to ensure a smooth process. 

On XX/XX/year>, I received a letter from Comenity Capital Bank, the servicer for Alphaeon, requesting additional information for my application. On XX/XX/year>, I called to clarify the requested details and confirm my interest in the card. The agent assured me that I would receive another letter within 7 to 10 days, but I never received any further correspondence. 

On XX/XX/year>, I called again to follow up and was directed to the fraud department. They again mentioned a 7 to 10-day window for receiving a response. However, this was nearly three weeks after my previous call, and no letter had been sent. During this call, the agent explained that the application process starts when a hard inquiry is placed on the credit report, which occurred on XX/XX/year>, by " COMENITYCAPITAL/ALPH. '' The 7 to 10-day timeline should have started at that point since the bank had begun processing my application. Despite this, no letter or status update had been received. 

On XX/XX/year>, I made another attempt to check the status of my application. Alphaeons support team could not confirm whether I had applied and forwarded me to another number. The automated system asked if I had received a letter regarding my application, and since I had not, I selected the option indicating so. The system then told me to wait another 10 days and disconnected the call without further support or options. I do not have a direct contact number for the department I was forwarded to, leaving me in a frustrating loop.

Despite repeated calls and follow-ups, I have been unable to determine the status of my application. Both Comenity and Alphaeon have provided conflicting information. While the fraud department claims the bank has my information, the bank denies this, and the online portal shows no record of my application. I have now been waiting over a month, received a hard inquiry on my credit report, and still have no clarity. With my XXXX approaching, the lack of communication and transparency is unacceptable.
Product: Checking or savings account

My account with navy federal from XXXX to present somewhere between XXXX to XXXX I was charged overdraft fees illegally and unbeknownst to me as to why
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXt amount {$99.00} These 2 companies have fraudulent collection accounts on my equifax XXXX XXXX and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Product: Mortgage

Mortgage company lied about me having home insurance, took escrow payments from me and made it seem like I had home insurance while I had none for months. Now I am being penalized for not having insurance for 30 days as I am trying to refinance. The new company that is doing the refinance informed me that I dont have insurance.