23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received information that my Kohls credit card would be converted to a Kohls Visa Rewards card, a card I did not want. I tried calling in advance to close the XXXX card. The system was automated and asked if I wanted to close my account. I closed it my account on XX/XX/XXXX. A week later I get a Kohls Visa card. Even if I had not closed the account their literature stated my card would be deactivated and my new XXXX XXXX  would be activated. Again no choice in the matter. I have called 4-5 times trying to get my store card back each time stating I dont want the XXXX XXXX  they forced me into. On XX/XX/XXXX I was told the account was closed. Again I said I didnt want the XXXX card. They told me they would close the account but I could go online and reapply and select if I want the Kohls Visa or Kohls store card. I reapplied but when reapplying I was automatically approved for the XXXX XXXX  there was not an option to select the store card. I called the same day and was told the store card was not an option and I could only get the XXXX XXXX. I already have a XXXX card through my bank and dont want another XXXX card. Capital One is forcing people into a XXXX card with no option for anything else with Kohls. The Senior CSR told me had I waited until after XX/XX/XXXX I would have had the option to opt out of the Visa card but no where in the literature or online prior to the XX/XX/XXXX date was this option presented nor could you get anyone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

1. I have an XXXX account with MoneyLion. 

2. On XX/XX/XXXX I was approved for {$190.00} in advances to be repaid approximately one month later on XX/XX/XXXX. There are no fees for this loan. 

3. I took one advance in the amount of {$100.00} and one in the amount of {$90.00}, for a total of {$190.00} due on XX/XX/XXXX. 

4. I noticed the App stated I had a {$200.00} repayment on the {$190.00} loan. 

5. On today, XX/XX/XXXX I called Moneylion and inquired about this. The representative, XXXX ( not allowed to disclose any additional information ) stated I selected a XXXX dollar tip ; however, I did not do so. 

6. During the loan process, Moneylion 's App repeatedly presents users with multiple screens requesting tips making users choose {$0.00} tip several times. I chose {$0.00} several times. In addition, by requiring loans to be requested in multiple deposits, Moneylion multiplies the amount of times the user must select {$0.00} tip to avoid payment a tip.

7. Moneylion representative said she was unsure if she could change the billing. 

8. I asked for supervisor.

9. Moneylion representative said I could request a one-time refund of the tip by filling out a form. First, the tip hasn't been billed yet so this doesn't fix the problem. Second, I never authorized the tip in the first place. Third, there should be no limit on how many times they are willing to refund payments that were never authorized in the first place.

10. Supervisor is unavailable. XXXX said supervisor can not come to phone but I could get a call back. 

11. XXXX said she filled out form requesting refund of XXXX dollars that may be refunded after I am billed. However, I said I do not intend on letting them collect the funds that I did not authorize.

12. I requested to stop payment on XXXX from my bank account and debit card. XXXX said she stopped payment ; however, the App is still showing a repayment scheduled for {$200.00} for XX/XX/XXXX. 

13. Then XXXX said I could speak with a supervisor after all ; however, the issue remains unresolved and I have been waiting on hold for along time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation of Dispute Under FCRA Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute the failure of your agency to investigate a dispute that I submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ask for an investigation regarding inaccurate or incomplete information on my credit report. 

The specific information I am disputing pertains to inaccurate items reporting within my credit report. According to the FCRA, you are required to conduct a reasonable investigation into my dispute and provide me with the results of that investigation. 

Despite my previous correspondence, I have not received a timely or substantive response regarding the status of my dispute. As I understand, Section 611 of the FCRA outlines the requirement for you to investigate disputed information within a reasonable time frame and to notify me of the findings thereafter.

I kindly request that you reinstate the investigation of my dispute and provide me with an update on its status. Furthermore, I request that you ensure the accuracy of the information being disputed and provide the necessary documentation to support your findings as well. 

Enclosed are copies of the specific accounts I am disputing. I trust that you will handle my request with the urgency it deserves in compliance with the FCRA. 

Please respond to me at your earliest convenience to confirm receipt of this letter and provide an update on the status of my dispute investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am a long time customer of Wells Fargo. I have multiple accounts. I am a XXXX XXXX  and my accounts get NO fees because I am a XXXX XXXX. See Wells Fargo link and benefit : Wells Fargo XXXX XXXX XXXX  offers special benefits and convenient access to your account with services, tools and resources to help you manage your finances. 


Simply set up a qualifying monthly non-civilian military direct deposit and receive the following on your eligible Wells Fargo checking account1 : No Monthly Service Fee No Wells Fargo access fees on ATM cash withdrawal transactions at any non-Wells Fargo ATM worldwide No non-Wells Fargo bank cash disbursement fees worldwide No international purchase transaction fees They charged fees on one of my accounts. I asked for refund. And then they closed the account because of the fees. I want a full refund, account reopened, and not charge off notification.
Product: Student loan

On XX/XX/2020 I was notified by XXXX XXXX that I owed them approximately {$7600.00}, and was advised to take out a private loan so I could receive my degree ( as I am graduating ). I have borrowed from Sallie Mae in the past, and had received an email from them on XX/XX/2020 stating " You're already qualified for your next student loan '' with a code to enter on their website. Upon completing the application process with the code provided, I was denied unless I had a " credit worthy cosigner '' ( despite my personal credit score being XXXX ). I started a live chat with a Sallie Mae representative about my specific circumstances which prevent me from getting a cosigner ( estranged from parents, not knowing anyone else to ask ) and instead of being given any meaningful resources to help, the chat representative repeatedly just told me to get a cosigner. Any attempt to further self advocate was met with those repeated messages. It is incredibly misleading to tell a customer that they are already qualified for a loan, only to deny them after applying despite the implications that the customer/borrower is pre-approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed numerous disputes with Equifax in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. Equifax removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
Product: Student loan

XXXX XXXX through XXXX, now transferred to Mohela... 
They have denied my XXXX XXXX XXXX with no reason as to why. 
I was impacted by the subprime loans distributed by XXXX XXXX XXXX for profit school XXXX XXXX XXXX XXXX XXXX Both companies have be held accountable for causing financial harm to students by closure or lawsuits ( XXXX vs XXXX ). XXXX has not been rehabilitated and continues the same deceptive practices. I've still been paying my loan faithfully but XXXX failed to process payments according to our auto agreement, which caused a chain reaction leading me to fall behind and owe more interest. It's been devastating to my finances, dropping my score XXXX points. My rate reduction ended but they were to still pull the updated payment from my account as promised. They did not pull the payment, marked it late and reported unwarranted negative activity on my credit file, even after payments were made. No matter how much I pay, I can not see any progress on the loans. My federal loans from the XXXX XXXX ( Same account ) are in the process of being forgiven and refunded because of the disruptive and deceptive practices of the institution. XXXX is still attempting to collect on the same deceptive accounts. They have defrauded myself and family for years and are currently putting me at risk of financial ruin. The current cost of my loan is exponentially greater than the original balance, they are egregiously benefiting from the interest on debt that should be discharged ; the company not processing payments as agreed is just the cherry on top.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with experian shows an unauthorized enquiry from a company name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, md- XXXX on XX/XX/2018, i did not authorize them to pull my credit & would like Experian to delete this enquiry from them.
Product: Debt collection

Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off fck chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then  thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me  access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom sicking '' their 3party syndicated groups on my mom to retaliate is heinous f @ @ chase n chase receivables whom disclosed my mom 's debt to 3party which voided  the debt plus they violated the statute with debt collection under USC 42_1692section they all do XXXX XXXX looser
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is trying to get a credit card using my name and SS #.
Product: Mortgage

On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document. 

CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Debt collection

I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give Zion Debt Holding LLC written permission to furnish this account.
Product: Credit reporting or other personal consumer reports

I have been with this company since XXXX to the present. My monthly payments range from hundreds of dollars to tens of thousands of dollars. Within a year I began to notice interest being added to my bill. I would call and it would be removed. My contract clearly stated that if the bill was paid in full and on time there would be no charges or interests, I made sure that was done monthly. It got to the point where the interest was appearing and balances where appearing were there should not have been, but a XXXX balances. I cancelled the card after speaking with the company several times and writing notes to this day. I have cancelled the card, but I still get a monthly bill on a XXXX balance. The company decide after all our coversations, I guess that they would bring back those interest charges that should not have been on my paid in full and on time bills in the first place and somehow start charging me interest on them. I dont't know how they can do this. I want it to come to an end.
Product: Checking or savings account

Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to equifax about hard inquiry details on my account being fraudulent. I will list the inquiries AND collections I need removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

These 3 debts were consolidated into one in the amount of {$510.00}. Debt is paid is full and still reporting on credit report. I spoke with the agent on XXXX, XXXX and XXXX and still no results.
Product: Checking or savings account

The company ( CITIBANK ) has responded to my query that the account is closed on XX/XX/XXXX while my conversation with them was at least 2 weeks ago and the letter they sent to me shows another error mentioning that my account WILL be closed on XX/XX/XXXX. Again, the inappropriate hold of my fund after they decided to stop providing the banking service should be reimbursed because it has cut my access to my funds. They should have sent my check earlier not now.
Product: Credit reporting or other personal consumer reports

I paid XXXX in full in 2020 and its still reporting on Equifax negative. All the other reports stopping when I paid 2020
Product: Debt collection

On XX/XX/XXXX, I sent a request for debt validation via mail to XXXX in regards to a bill that I received on XX/XX/XXXX for account # XXXX in the amount of {$320.00}. They did not respond. On XX/XX/XXXX I received a bill from Credit Collection Services for file # XXXX in the amount of {$1200.00} stating the creditor is XXXX XXXX XXXX. Upon receiving this bill I sent a certified letter on XX/XX/XXXX to the Credit Collection Services requesting the same documentation I sent to the XXXX back on XX/XX/XXXX. This time Credit collection services resent the same vague and unclear documentation received on XX/XX/XXXX, remaining to neglect my clear and direct request for debt validation. I formally requested my services with XXXX be cancelled via mail when I sent the original request for debt validation, therefore no more debt should be owed for services past the date described. XXXX could not verify such debts claimed in the bill sent and has refused to supply documentation to the consumer upon various requests.
Product: Debt collection

I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity this was not done by me.
Product: Mortgage

I paid off my heloc in XXXX of XXXX. Received a statement on XX/XX/XXXX showing XXXX balance due and XXXX past due. Meaning paid to XXXX  with nothing due at all. 

I get a call on XX/XX/XXXX from XXXX at XXXX XXXX  stating {$850.00} is due from XXXX which is the exact number that was due on the XXXX statement but not due any longer on the XXXX statement because I paid it. 

He further asked me to prove I paid it when it's aleady in the system. 

Apparently this institution does quite a bit of manual coding and manual entries of posting payments in a back end secondary system and too frequently have errors been exposed. I paid everything off and this is not the first time I have had issues with incorrect Information being inputted internally that results in more charges to the borrower. 

I feel a full audit needs to be done on both loans fixed and not fixed due to misappropriation of funds, misapplied funds and incorrect interest charges. 

I would not be surprised if this misappropriation of funds has damaged other Consumers without them knowing any different. 

I have attached the XXXX and XXXX statements for comparison and the suddenly due interest showing on their website that was not due before. 

Someone did something wrong and caused this problem. How many more problems are there that noone knows about?