23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I looked on my credit report and a debt was added to my collections for the amount of XXXX. It was added XX/XX/year>. It does not tell me what kind of debt it is. Its from the company Harris & Harris. I have never ever seen any medical bills on my credit report. I had no recollection of this going to collections. I assume it is a medical bill because I visited the hospital out of state and didnt have my insurance card on me. I got nothing from the hospital that I stayed at and didnt remember the name of the hospital to call because I only visited it briefly.
Product: Checking or savings account

Fifth Third Bank - XXXX XXXX XXXX XXXX, XXXX, IN XXXX. 

I did not request or authorize a debit card. Someone hacked into 5/3rd 's computers and created a debit card and started using it. I found out, reported it, they canceled the card. At that point, I told the bank that withdrew my authorization ( something they automatically link ) for a debit card to be linked my checking, staff assured me that would be done. About a year later the same thing happened - another unissued, unauthorized, unasked for debit card had been " issued '' to a hacker and things were being charged to me. I informed the bank about this and they canceled the card. However, some of the charges were beyond the time frame for cancelling. I contacted management and was told it was my responsibility to monitor the account ( including the card I had not authorized ). They said they would look into weeks ago, and nothing has been done. 

Fifth Third 's system allowed this to happen - I never asked for a debit card from them at any time. 

The bank has all these records for your review. 

Thank you
Product: Student loan

In the beginning of XXXX I submitted an application to the department of education to put me on an income driven repayment plan. It was accepted and sent to edfinancial my services. I called for updates weekly if not more. Every representative tells me its processing and it takes 7, 10, or 20 business days. By XXXX its still processing and only one representative was able to tell me that it days information is missing but I dont know what is missing and that maybe I should submit another application. On XX/XX/XXXX I submit another and after 2 weeks reach out. They say its processing and to wait 10 days again. These timelines are not making any sense at this point. A few more weeks go by and the representative says its not been processed let me push it through to processing right now. She cant tell me why for over a month its been sitting without being processed and why this whole time Ive been told its processing but just sitting there or why it didnt automatically go to processing. Today XX/XX/15 I received a phone call that what am I requesting correspondence for when my application is still processing. I said I am very frustrated with this company and what they are doing with my loan information. She says well you stopped your original application when you submitted a second on XXXX and that takes 20 days to process. We are at 28 business days now. Then she tells me they never received an application until I tell her this is not true. She says my last application was missing information but can not tell me what even though the application can not proceed unless every fill in the blank is filled. Now shes found my application but like she said itll take 20 business days. Im getting no where with this company and eventually we will be out of their on-ramp period and this will be effecting my credit because the payment is not attainable for me until it is adjusted to my income. I am getting the run around and honestly no one working here seems to know anything about their job.
Product: Mortgage

Loan was bought by caliber hone loans. This is a company I inquired about a loan but decided not to do business with. They bought my home loan from my bank. I have no idea how or where to pay. There is Zero customer service and its impossible to talk to a human. This is terrible. One, I demand they sell my loan elsewhere where I can at a minimum talk to a human and know how/where to even make a payment. I dislike this company so much that I might sell my home, even at a loss, to get away from. How can you buy a loan, give no information on how to pay, and have no human you can talk to. Even if this is straightened out, they no ability to talk to anyone if there is a problem or even a question
Product: Checking or savings account

Money was taken from my account without my authorization. Chime basically said It was authorized while I'm on the phone in like a really fast timeframe of a so-called investigation. This was {$660.00}. They ( Chime ) refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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
Product: Money transfer, virtual currency, or money service

on XX/XX/2021, Robinhood LLC manipulated stock market by stopping Buy uption shares i hold XXXX XXXX XXXX XXXX XXXX and caused them to lose value. This manipulative action of Robinhood financial LLC caused me to lose almost {$7000.00} loss because they created Panic by stopping sell certain 12 stocks first time in history.There are multiple lawsuits against Robinhood financial llc and its all over the News Channels And again on XX/XX/2021, Robinhood Financial LLC manipulated crptocurrency market by stopping Buy option of XXXX and caused it to crash lose value.This manipulative action of Robinhood financial LLC caused me to lose almost {$3000.00} loss because they created Panic by stopping Buy option as well. 

Robinhood LLC just got charged last month by SEC for malpractice and Now they are being reviewed again after XXXX XXXX market manipulation XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report.

and makes and they need to be removed.

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX
Product: Credit reporting

Experian has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified XXXX XXXXXXXX XXXX and paid off a debt of {$980.00}. I was assured by XXXX XXXX XXXX that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. Grain requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX XXXX  and Grain does not supporXXXX XXXX XXXX Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. Grain 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, Grain sent periodic text messages with inconsistent information. I'd receive a text saying the account was XXXX  days past due followed by XXXX  days, followed by XXXX  days, almost due, nothing was ever presented to me with accurate information. Grain not once communicated to me in a timely or accurate manner. Grain never sent anything to me in the mail or make any phone calls to me. Grain is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having Grain update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Signed up for over draft protection through regions agreeing to {$36.00} over draft charge but recently over drawn account and was charged {$100.00}. I contacted Regions about the unfair over draft charge and was told thats how its going to be and it can not be refunded. Im very upset about this and will be closing my account through Regions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX, Acct XXXX XXXX, XXXX. {$6000.00} XXXX, Acct XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX. {$3600.00} XXXX XXXX XXXXXXXX, Acct Number XXXX, XXXX. {$4800.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX. {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports with XXXX and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX put false information on my credit report. According to XXXX, I took a loan out with their company on XX/XX/XXXX under XXXX. Under Equifax, it notes I took a loan out with XXXX on XX/XX/XXXX which is erroneous. 

I took out a loan for a VA Home Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX I never took out an original loan with XXXX on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a XXXX XXXX  XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Upon closing the deal, F & I Manager XXXX XXXX sold me XXXX XXXX XXXX XXXX XXXX Agreement # XXXX   XXXX for {$430.00} and another one called Appearance and/or Windshield Protection for {$350.00} both for 4 years. On my 3rd year of leasing, I noticed I never got a policy to read at all. So I called XXXX and inquired to where I can call about the service agreement about a dent repair because someone or something scratched my car. I even went there beforehand to inquire how I can get it repaired using my Service agreement. That was the only time I was told that it has to be a size of a credit card and therefore, it does not qualify for repair. This was not explained to me when I was sold the product. I called the company called XXXX and asked for the policy to be cancelled since I feel that I got decoyed into buying it believing that if my car get scratched, I'm insured. XXXX told me it's not refundable and emailed me the policy which I don't understand why now I can't find it among my email inbox. On the 1st week of XXXX I emailed XXXX XXXX, Manager of XXXX XXXX discussing my situation that I am on BK XXXX and that will the dealership allow me to extend or lease another vehicle. XXXX XXXX responded and met with him XX/XX/XXXX. I filled out an application and submitted my W2s only to find out they turned me down because of BK XXXX So I gave up. Went to XXXX XXXX XXXX to get another car because my XXXX lease is expiring in XX/XX/XXXX. They agreed to help me even with BK XXXX and possibly pay the last 2 months of my lease. Unfortunately, they are asking for payment history. I called XXXX XXXX   Account # XXXX at XXXX to get my payment history but they refused to email me the payment history but only to my lawyer. I do not understand this. I ended up losing the deal with XXXX XXXX XXXX. Up to now, XXXX XXXX does not want to give my my payment history and I don't understand that since it is my own record. From the very start, they decoyed me about selling useless service agreements and which I'm not allowed to cancel. Now, the XXXX fXXXX is giving me a hard time getting my own record so I can apply at another dealership for a replacement car. I had been faithful paying XXXX XXXX in the past. I filed for BK XXXX because I had been in and out of the hospital and was forced to retire due to my illness. Now I am stuck and after I turn over the XXXX car, I have no car to go back and fort to the specialists since I could not even get my own record from XXXX XXXX.
Product: Student loan

I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in   XXXX     I went to   XXXX   XXXX   XXXX   XXXX   and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay  XXXX  to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the  XXXX  was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in  XXXX  the Department of Education raided this school  XXXX   XXXX   XXXX   XXXX  due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in  one  of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be  discharged  or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that  XXXX   XXXX   may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have  XXXX   Loan fo r {$5100.00} and I have a  XXXX  loan for {$3400.00} totaling  XXXX  I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help.
Product: Debt collection

On XX/XX/XXXX phone number XXXX called my cellphone and said they were a lawfirm looking for my son ( who is an adult ) on a personal matter regarding his social security and he needed to respond immediately. I called and told this woman that this is not his phone and not to call again. The number that you are told to call back on is XXXX XXXX. She tried to represent herself as a legal person and he had a personal matter that needed taken care of. I told her not to call my cellphone or personal phone number ever again because this is not related to me or my husband. She got very nasty and has not stopped calling my home phone.
Product: Credit reporting or other personal consumer reports

Equifax iss reeporting the account listed as XX/XX/XXXXXXXX ( CLOSED ) Account Number XXXX XXXX incorrectly. There are several key facts missing from this account. The account number can not be identified, the account reads unavailable, and there is a late payment reporting. How s Equifax verifying this information if they do not have a complete account number? Who is passing this information along to them. There are amounts being reported as well so how is this being verified as accurate? Who released my financial information without my consent. The consumer has a right to privacy and this law can not be overlooked. Equifax is required to turn over the information from there investigation and Eqquifax has done no such thing. They are also required to send out a notice 30 days prior to adding any negative information to my consumer report. This is Equifax last chance to comply are this will turn into a lawsuit. I reserve my right even after the investigation to sue Equifax.
Product: Credit card or prepaid card

I paid for a trip using my Chase Sapphire Preferred credit card. It turns out that the company was fraudulent so i filed a complaint with chase using their travel protection benefit for the amount of XXXX in XXXX and XXXX Chase, however refused to stop stop a fraudulence company from charging my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested the company to SEND ME the original signed credit application, cashed checks used for bill payment or original billing statements of the " debt '' because I don't remember owing the debt nor in the amount reported to the credit reporting bureau ( s ). 

XXXX rather than granting my request.. XXXX denied my request and said the company Certified to them the information was correct. 

XXXX was not given " conservatorship '' over me nor have I given authorization to the company to be my " interlocutor ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX/XXXX/16, I opened a Citi Gold Checking Account with the promo code XXXX which offered XXXX Thank You Points for opening the account and making 2 bill payments with the account. I called Citi Bank on XXXX/XXXX/16 and talked to XXXX to verify the opening of the account and that the promo code was valid and attached. He assured me it was. By XXXX/XXXX/16, I had made the required bill payments and called to verify that I had med the requirements and qualified for the XXXX Thank You Points. I talked with XXXX and he verified that my account qualified for the promotion and that the points would be in my account by XXXX/XXXX/16. On XXXX/XXXX/16, I still had not received the points. I again called Citi Bank and talked with XXXX ( # XXXX ). She told me that she would submit a request for the points to deposited in my account and that I would received word in 3 business days. On XXXX/XXXX/16, I received a secure message from Citi informing me that they were denying me the points because I had not been targeted for the promotion. If Citi wanted to deny me access to this promotion, they should have done so on XXXX/XXXX/16 when I called to verify the account and the promotion attached, rather than after I have completed all the requirements and utilized their financial services according to the promotion.