23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying my student loans faithfully and paid them all during the XXXX XXXX forbearance. I did not realize that the payments were not requiered. When I learned that I could get a refund for the amount that I paid, I contacted my student loan service provider on XX/XX/year> and requested a refund. I was under the impression that the ball was rolling. Unfortunately I did all of my business on the phone. 

Earlier in the year, I had applied for XXXX XXXX XXXX XXXX, which I have since been granted. 

My loan servicer is telling me that because I consolidated my loans for forgiveness, I was ineligible for the XXXX XXXX. I did make the XXXX refund request prior to the deadline. 

Now they are telling me that there is nothing that can be done about the XXXX XXXX.
Product: Checking or savings account

Capital One Has refused to send me documentation for the disputed charges showing they are valid. the account currently has a negative balance from the disputed charges being reversed with no valid reason. proof of errors was provided to capital one for charges at the time of dispute.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am writing to formally complain about the unacceptable treatment I have received from Gemini. I am over XXXX XXXX XXXX, and the funds that I deposited into my Gemini account is crucial to me. I opened my account on XX/XX/year>, using the authenticated Gemini app downloaded from the App Store on my XXXX. My email address was used as my username, and I created an authenticated passcode through my XXXX. 

Since then, I have made several attempts to access my account in order to purchase cryptocurrency. Unfortunately, these attempts have been met with failure, and despite following all necessary steps, including providing a picture of myself holding a piece of paper with my name on it and submitting a photo ID, I have been unable to regain access to my account. 

To make matters worse, I have not received a single communication from Geminionly one way misleading time consuming emails, no text messages, nothing. This complete lack of customer support and transparency is unacceptable. I did everything you asked, yet I am still locked out of my account and unable to access my own money. This was my final message to Gemini Let me be absolutely clear : I do not want this account anymore. I demand that you return my funds to the bank account from which it was originally deposited. If this issue is not resolved immediately, I will have no choice but to escalate this complaint further. 

I am copying the following authorities on this email, who I believe should be made aware of Geminis actions : Securities and Exchange Commission ( SEC ) New York State Department of Financial Services ( NYDFS ) Your refusal to respond or resolve this matter has forced me to take this step. I expect a prompt and satisfactory resolution, or I will pursue every available avenue to ensure that justice is served. 

Return my funds immediately. 

Sincerely, XXXX XXXX XXXX phone, ( XXXX ) XXXX My Account Username XXXX XXXX
Product: Credit reporting

On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code XXXX civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit card or prepaid card

I called in to open my account back up with capitol one and pay the card off so I could get back to building my credit. 
I had fallen on a tough time so there was a point in time where I couldn't really make payments. 
When I called in to make the payment, the agent on the phone told me if I did make a payment that day, and paid off most of the balance they would reopen my card. 
It's been a week, and when I called today another representative has told me I would not be able to reopen the acct and I would have to open another credit line. 
I feel the original collector deceived me into a payment at this point and I am out XXXX $ on a XXXX $ credit card!! when I could of just been givin the option to pay it off over time rather than be lied to collect a payment that day. 
Now I have called my bank to file a dispute on the charge on my account since I was lied to into collecting the debt. He was trying really hard to make me make a payment on the phone, however I did not feel right with how persistent he was so I went ahead and made it online. None the less I was still lied to into making a payment, and now I don't know how I'm going to pay my bills right now because I trusted the fact they would reopen my card. 

All this was done on the phone, so the recording would be with the company. It would be the phone call before the last one I made today.
Product: Credit card or prepaid card

In XX/XX/XXXX, several charges came across on my statement that were fraudulent. I reported this to the credit card company in XX/XX/XXXX, yet they failed to investigate one of the charges for {$220.00} made on XX/XX/XXXX, even though I had reported it to them as fraud in XX/XX/XXXX. This would have left a credit balance on the account for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In XX/XX/XXXX, I reported it yet again and they finally adjusted it off my card. However, the credit card company reported me 30 days late in XX/XX/XXXX even though I had no balance due because of the {$220.00} fraudulent charge. This is a violation of the FCRA reporting rules and as such, this has damaged my credit unnecessarily. I am asking the 30 day late report in XX/XX/XXXX be corrected and any and all late fees, interest and other unnecessary fees be removed and refunded to me.
Product: Payday loan, title loan, personal loan, or advance loan

I received a text message from Americash loan saying new information about my account. I submitted a complaint in the past and now I found out they lied to Consumer Financial Protection agency. The Representee says you are {$150.00} dollars past due. Because I missed a payment in XXXX. Well, I go back into the account they have got me owing another 6 months of payments after having my last payment due on XX/XX/year> now they added another 6 freaking months on money when I borrowed only XXXX. If I'm past due, why am I paying almost on another loan, almost XXXX dollars. I asked this company to read the reviews. This is a rip off company who thrives on people who are struggling. I want a settlement on this account and never to look at them again. I'm not only dang struggling financially, but I am also struggling with trying not to lose one of my eyesighXXXX XXXX XXXX XXXX With XXXX XXXX. I will next call XXXX XXXX after this complaint. Who does this to people.
Product: Debt collection

Comenity Bank has made excessive calls ( XXXX calls in 2 days ). Often call back within a couple of minutes. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calls were rejected due to times of calls being on holidays ( observed XX/XX/XXXX - XX/XX/XXXX ). This is harassment for less than {$100.00} debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX AV XXXX XXXX GA XXXX ; UTILITY SELF-REPORTED XXXX Balance : {$210.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; CB INDIGO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Product: Debt collection

On XX/XX/year> I was contacted by a place claiming to be a debt collector for a payday loan place I had used about 12 years ago called Check Into Cash. Their name was XXXXXXXX XXXX XXXXXXXX and when I looked them up they looked legit and had a website saying they were based out of New York. I asked them if I could have some time to verify the debt as real because it had been a long time since I taken the loan out and thought I had already paid it and cleared my name with them. They said that if I didn't set something up with them immediately, they were going to pursue legal action against me including suing me or placing a money judgment against me. They claimed they had already tried to contact me and made it sound as if I had been dodging them although that was the first time I had heard anything about it. I was crying and distressed because of the way the woman was talking to me and threatening me especially with it being around the holidays and things already being stressful. I spoke with a supervisor who said that they would be willing to settle for a lesser amount if I set something up with them. They said the total balance was around XXXX XXXX and I asked how that was possible, and they said because of interests and other accrued fees. They said they would be willing to settle with me if I paid them XXXX XXXX and they would consider it paid in full. They gave me a website where I entered my debit card information, and they got the money. I received two other calls from two places claiming to be debt collectors for Check Into Cash this year. After the second call from these supposed debt collectors for Check Into Cash I decided to call Check Into Cash and see what was going on. They said they did not have any debts on file for me and that they did not show any debts having been sold to a third party.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft, I found an account on my credit report that was not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit repoit and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX XXXX Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not complying with the provisions of Section 611 of the Fair Credit Reporting Act of 1970. I asked for the removal of a XXXX XXXX  bankruptcy from my credit report because Experian has not given me the person or individuals and the court they contacted about this information so that I can follow up on my end.

All I have heard from them is that : '' Please be advised that an internal review was completed and results were mailed to you. '' This is not acceptable.

I have asked for the name, time, and date of the person to whom Experian spoke with concerning this derogatory mistake that is damaging my credit and costing me severe damage to my finance every year.

By my interpretation of Section 611 ( a ), it is understood that failure to investigate this mistake within 30 days constitutes a reason to permanently remove it from my credit file.
Product: Debt collection

I am writing to provide my response to XXXX XXXX XXXX recent submission regarding the account in question. Despite their documentation, I maintain that this account is fraudulent and does not belong to me. 

Key Points of Dispute : 1. Fraudulent Account : I did not open an account with XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, nor did I authorize XXXX XXXX XXXX to collect on this account. 
While XXXX XXXX XXXX has provided documentation such as the bill of sale and assignment records, these documents only show the transfer of accounts between entities. They do not establish that this specific account was legitimately opened by me. 
2. No Proof of Agreement or Validation : XXXX XXXX XXXX has failed to provide original documentation proving that I entered into this agreement. There is no signed contract, loan application, or other evidence linking me to the alleged debt. 
The provided payment history does not reflect any transactions authorized or completed by me. 
XXXX. XXXX XXXX XXXX : My personal information may have been compromised in the XXXX data breach. This could explain how a fraudulent account was created in my name. 
4. Failure to Cease Reporting : Despite my disputes, XXXX XXXX XXXX continues to report this account to XXXX, which is causing undue harm to my credit profile. This violates the Fair Credit Reporting Act ( FCRA ) as they have not sufficiently validated the debt.
Product: Money transfer, virtual currency, or money service

I attempted to purchase a Puppy from XXXX XXXX XXXX and the person told me to use Zelle, I checked on my Bank App XXXX XXXX '' and it showed I was able to use Zelle. So assuming my bank would cover if something went wrong, I used it. And sent the money through Zelle, to find out the person was scamming people. The purchase was made on XX/XX/2022 XXXX TO XXXX XXXX {$750.00} ; and when I found out it was a scam, I went to my bank before it was even processed. They told me, there was nothing they could do till the pending status was removed. So the following day I went back in, spoke to a representative at the counter who called XXXX 's fraud department, who transferred us to Zelle 's fraud department within my bank 's branch. And they told us to wait 10 business days, they would call me and get more info. Instead of calling me, they sent me a letter on XX/XX/2022 stating " Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute is denied. '' And when I called the branch near me, they said I'd have to call Zelle. But if you call Zelle, they tell you that it's your bank that needs to handle this situation. 
-The purchase was done on XX/XX/2022 and on the same day I realized it was a scam ; the following day XX/XX/2022 Monday I went into my bank, they said if it's pending they can't do anything. Then made a appointment for XX/XX/2022 to come back to the bank to get it resolved. To which they called XXXX 's Fraud Department for Zelle. That's when the rest transpired above.
Product: Credit card

Yesterday, XX/XX/XXXX, at around XXXX XXXX, I went to purchase XXXX airline tickets. During checkout, it showed I could apply for an AMEX card and use it on my purchase to get a {$200.00} statement credit. I did that, and then the system said it was processing. This morning, I received an email to accept my card and create an account. I did that, and at no point did it give me a card number to use on my XXXX purchase. 

I called customer service this morning and they said they could not provide me a card number until my physical card comes in TWO WEEKS, and that I also had no record of the offer to receive a {$200.00} statement credit on my account. They said there was absolutely nothing they could do for me. 

This is extremely misleading, as it seems like you could just apply for a card as part of the check out process with XXXX and receive the {$200.00} statement credit. It also is awful because airline prices change daily, and in 2 weeks I will not receive the same price for the tickets.
Product: Credit card

Reference : Citi XXXX XXXX Card I paid a balance due on XXXX/XXXX/16 of {$220.00}, the payment was due on XXXX/XXXX/16. That payment gave me a {$0.00} balance. I have called and spoke to XXXX different people about a {$25.00} late charge. The statement says no payment was made by the due date thus the late charge. The {$25.00} charge was debited to the account on XXXX/XXXX/16, this is 6 days after I made the payment of {$220.00}. I have asked for the {$25.00} late fee be removed from my account. The CSR 's I spoke to told me I have to wait for a call from a supervisor.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : Upstart Network # XXXX, Account name : Upstart Network # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, 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 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 seven years.

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: Credit reporting or other personal consumer reports

When I filed for a divorce from my now XXXX XXXX XXXX XXXX XXXX XXXX all of my bank accounts began to be drained. He told me I was to stop the divorce or Id be sorry. I was paying Experian {$24.00} a month to keep me somewhat safe? Nope. He took every XXXX  I had, and my business had in the bank. He even told on himself. Sending me a random text in XXXX XXXX XXXX I have the texts still. I was so confused. Where was all my money going. Welp, he told me exactly where it was going. He was stealing checks, forging my signature, and cashing them. He told me before I even figured it out.! I called Experian. I had the insurance so I was assured everything would be fine. They were so sorry such a thing could happen. Well, it did, over and over and over again!!!! Experian sent me paperwork, I filled it all out. Never heard one peep out of them. Now here I am, 5 years later, 6 separate accounts, 3 separate banks. All hacked, all drained. He took the last of my money in XXXX XXXX XXXXXXXX I filed a police report like always, I filled out the stupid affidavits. He stole over {$500000.00} from me in just that short of time. Nobody cares. My credit is in the toilet, I am now homeless because he took my name off the loan to our home back in XXXX. I had no idea. The lender wouldnt even speak with me. XX/XX/XXXX, I lost my home. Then XX/XX/XXXX I lost my business I had for 24 years. Just like he said I would. He took every single XXXX I had. Never paid any of the court ordered maintenance, and I was paying Experian for what exactly??? Nothing seemed odd when XXXX XXXX XXXX XXXX XXXX  was flying out of my accounts every single month? When I never. Ever did that.!! What was I paying for? I am XXXX, XXXX, and it would have been nice to be notified something was not right!!! I want Justice
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.